It is not an offence if you do not quote your TFN. If you don't, tax on any income earned my be automatically deducted at the highest marginal rate. Your TFN will automatically apply to future accounts created under the membership. You must also complete the question 'Are you a US citizen or US resident for taxation purposes?' and if yes, provide your US TIN. You must also complete the Nationality field.
We acknowledge that unless we advise Defence Bank otherwise in writing, either one of us may operate the joint account. (Please note: Joint account holders should refer to Defence Bank's Products and Services Conditions of Use brochure for further information).