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Free printable PDF · English

Visa-Deposit Reporting Decision Sheet

A printable one-page sheet for a foreign deposit opened to satisfy a residency requirement: the account, the interest, and your time in the country.

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1. The account

  • Record the institution, product, term, and the visa category the deposit is meant to support.
  • Ecuadorian accounts are U.S.-dollar denominated, so no FBAR currency conversion is needed for them.
  • Screen the account under the FBAR financial-account definition using ownership or signature authority, and note any exception that might apply.

2. Question one — the FBAR filing test

  • List every foreign account you hold; the test is aggregate, not per account.
  • Record the aggregate maximum value of all reportable foreign accounts for the calendar year.
  • Note whether that aggregate exceeded US$10,000 at any point, and keep the current-year filing status in one place.

3. Question two — the interest

  • Record interest credited during the year and where it was reported on the return.
  • Foreign interest is not earned income, so the foreign earned income exclusion does not exclude it.
  • Keep the institution interest certificates or monthly statements with the account records.

4. Question three — your time in the country

  • Record days present for the fiscal year and note whether the 183-day test is in scope for your facts.
  • Ecuador does not appear on the IRS list of jurisdictions with a comprehensive U.S. income tax treaty.
  • If residency, treaty, or a temporary regime question applies, have those facts reviewed rather than assumed.

5. Keep these records for both files

  • Deposit certificate or póliza, and the monthly statements.
  • Interest certificates (certificados de rendimientos).
  • Entry and exit records.
  • Do not discard statements once a visa is approved; the reporting question follows the account.

Use this to prepare for a review.

This resource helps organize records and questions. It does not determine filing requirements, eligibility for relief, tax treatment, or your deadlines. Keep completed worksheets private and use the secure process agreed with your preparer.

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