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Re:Launch HN: Pana (YC S22) – Social Trust Banking with a US... by missedthecue on Friday August 12, 2022 @10:34AM (#32439290)
I haven't figured that out. Bank of America required my SSN, but Varo, a neobank, did not require it. For my purposes they are functionally the same product, but maybe neobanks are excluded somehow?
Re:Launch HN: Pana (YC S22) – Social Trust Banking with a US... by neilparikh on Friday August 12, 2022 @11:57PM (#32446764)
FWIW, I created an account at Bank of America without an SSN. This was a few years ago though.

I think a lot of this might inconsistent even across branches of the same bank.