I am a J2 Dependent visa living in US for one year. My wife is studying at University (she has a J1).
I receive a W-8BEN form from the bank because they are withholding interest on my bank account. Interest is considered a form of income earn in US.
Now, I am not working in US and not intend to work and make an income while I am here. I am studying online.
I understand that in order to fill the W-8BEN form, i need to obtain an ITIN. However, if I am not intend to make any money while in US, can I not obtain an ITIN?
Is it legal if I don't get an ITIN and as such the bank withhold the interest on my account. The interest earn is so little anyways.