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I am new to the bank bonuses game and despite much searching there is an issue for which I can’t find an answer. My situation is this: I don’t get postal mail at my home address. I have a home address but the rural area that I live is not serviced by the USPS so I have a PO Box in the nearest town. However, it seems that all the bank applications I look at either do not accept a PO Box even as a mailing address (e.g, Well Fargo) or they don’t even provide a space to enter a mailing address separate from the physical address on the application (e.g, Bank of Colorado).

Obviously, I don’t want to go through the entire application process and then not be able to receive any cards or documentation because they get returned by the USPS. Am I just out of luck because of my living situation? Or can anyone think of a work around? TIA.

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Michael
Michael (@guest_370419)
March 15, 2017 11:13

Some Post Offices now offer ‘Street Addressing’. Basically it turns PO 123 into the address of the Post Office plus your PO box number. Say if the Post Office is at 456 Main St., your Street Address will then be 456 Main St. #123.

I’ve done this and it actually helps have a street address at the post office. This can be helpful for online merchandise orders as well. One needs to fill out a form at the PO, and I don’t believe all have this capability, but it might work for you.

JF
JF (@guest_370453)
March 15, 2017 12:11

my local PO does this, they just told me to put Unit # instead of PO Box. So, i guess merchants think its an apartment complex rather than a PO Box. Clever

A
A (@guest_370411)
March 15, 2017 10:58

try PO Box street address.

Its when you mail something to the street address of the Post Office with your box number as a Apt or Suite number
I think you need to opt in

here are some links with some info for you

https://ribbs.usps.gov/index.cfm?page=mtcsa
https://ribbs.usps.gov/mtcsa/documents/tech_guides/PBSACustomerAgreement.pdf
https://ribbs.usps.gov/mtcsa/documents/tech_guides/PBSAGuide.pdf

CtownBin
CtownBin (@guest_370379)
March 15, 2017 10:06

With regards to your reader question- I wonder if it’s possible to have all mail sent to your physical address forwarded over to your PO Box? The USPS should allow this, if you can prove you live at that residence- ESPECIALLY since they don’t service your address, they should at least be accomodating enough to forward any mail you do get over to the PO Box. In fact, it is easier for them to do this then to return it… I know they have mail forwarding when you move, I’ve used it. So hopefully they can forward in your case as well, I’d call USPS and see. I can see how this could be helpful in ways at least equal in importance to bank account bonuses. Curious to see how it turns out!

Grant
Grant (@guest_370388)
March 15, 2017 10:22

Yes, this is what I was thinking too. You can submit a USPS change of address form online and have all mail that was sent to your home address routed to your PO Box. When you apply for a bank account online, use your home address, but all mail and packages should be routed to your PO Box.

Glt
Glt (@guest_370347)
March 15, 2017 09:13

Re PO box – my parents are in a similar situation and I know they’ve used their physical address on line one and PO box on address line 2. I’ve seen at least one time when I tried to ship them something and the website detected the PO box and rejected the address. I’d try a letter to yourself addressed that way first, then give a bank a shot.