Banks always capitalize the name! Dear FIRST LAST,

In most bank correspondence, the name on the account is capitalized. A letter may say, “Dear FIRST LAST, We are writing….” All the other words in the email, letter, or even the email subject line will be lower-case, but the name is typed in capital letters. The words are capitalized because banks treat it as an account for a business, as capital, hence it gets capital letters. Or some might say the company is not living, therefore, like the name on a tombstone, it is written in all caps.

A recent email from my bank begins as follows:


Thanks for enrolling in automatic payments for your CREDIT CARD…

The name is capitalized because it is not the name of a living man or woman, but instead the name of the company or corporation that holds the account. When we are born, someone creates a company name using our given name (first name) joined with our family name (last name) to get the combined FIRST LAST.

John of the Doe family is born, then they (whoever they are) create JOHN DOE trust or company. John, the man, opens an account at a bank that is really an account for the company, JOHN DOE, which someone else owns.

John, the man, is merely the authorized agent for the account. The signature line on bank checks is actually micro-print stating AUTHORIZED AGENT AUTHORIZED AGENT etc. (see here and here).

Look at all of thy bank correspondence and notice that the ‘name’ is always in capital letters. It’s so unmistakably odd and jolting that I had to write this blog post.

Another recent correspondence is as follows:


A payment from JANE ROE in the amount of…

The labels FIRST name and LAST name are part of the problem. I have a given name, not a first name. I have a family name, not a last name.

Here is a letter I found on the web:

Bank letter showing the opening of "Dear all caps name" the name is printed in all capital letters

What’s the solution?

  • At the very least, control the signature on the account by signing as the man or woman.
  • I might also open an account without a social security number, which is supposed to be simply a social insurance program, and if it’s more than that, someone committed fraud, and the contract is therefore void.
  • Maybe we need to open our own vaults and use gold along with an online system to transfer funds to each other’s accounts

Note, this post is written without prejudice.
All rights reserved.
Without the United States.

This is not legal advice. These are my private research notes.

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