How to Hide Bank Account From Child Support: A List of Ways

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By Divorce & Finance

How to hide bank account from child support?” is a general question asked by parents who want to keep the money they have in their bank account. There are several methods people employ to withhold information regarding their bank accounts. However, doing so might have consequences for the wellbeing of the children affected by missing child support payments.

How to hide bank account from child support

Read further to know the ways to hide a bank account from child support and the consequences if child support finds out about it.

How Can a Person Hide a Bank Account From Child Support?

A person can hide a bank account from child support by opening joint accounts with their husband, partner, friend, or another family member. As a result, some parents devise a clever strategy to use multiple names on their bank accounts to hide them from child support.

In this approach, it is more difficult for child support to locate the parents’ bank accounts. Further following are the ways to know about how to protect money from child support:

– Name the Account After the Child

Putting assets in a child’s name is a strategy for asset concealment that is becoming more and more popular. All of the accounts that the divorcing parties own must be listed in front of the court during the discovery procedure. If a person is attempting to conceal money in his or her own name, bank records and other financial documents can easily prove it.

The money is hidden from the court’s view by being put in a child’s name. Finding proof of the account will need some investigative effort as it is not shown on either parent’s personal financial records.

A sizable deposit made by the parent who started the account may have linked the parent’s and the child’s accounts, making the concealed account subject to asset division.

– Tax Withholding

Bank statements and financial records serve as the foundation for a family law attorney’s calculation of income for spousal and child support. When a spouse tries to conceal income, they frequently do so by manipulating their tax withholdings, which artificially reduces the amount of money deposited in the bank and reduces the number of liquid assets. 

The spouse who is divorcing may ask the IRS to deduct an additional amount of money from each check, which that spouse subsequently claims on their subsequent tax return.

A law attorney will contrast several years’ worth of returns with the most recent return in order to find out if someone is trying to hide assets in this manner. The court might declare the spouse guilty of hiding assets if the refund is significantly bigger than in previous years or if the attorney can show that the withholdings were significantly higher than usual.

  • You have the option to open a separate account that child support has no knowledge about.
  • You can share your account information with people you completely trust while yet keeping it secret.
  • You can also ask your bank to stop providing child support organizations with your information so they cannot find out who you are.

There is no gender restriction on child support in the US. It is simple for a father to pay an ex-wife, and vice versa. The way this payment is set up makes it possible to use it to pay for daily basics including food, clothing, shelter and medical expenses.

How To Prevent Child Support From Freezing Bank Account Funds?

To prevent child support from freezing bank account funds, a person can get the help of the other parent. They should not have their name appearing on the bank account. In case the account does get discovered, the person has to prove that the money is not theirs.

If you have unpaid child support payments, asking how long can child support freeze your bank account is general and the collection measure is to block your bank account. If you owe child support but are not paying, child support agencies do have the right to freeze your bank account. In most cases, freezing your bank account is a last-resort collecting measure.

If a child support levy has blocked your bank account, it’s likely that you rejected multiple attempts by the child support office to come to an alternative agreement for you to pay your child support. However, there are some things you could do to prevent child support from freezing your bank account:

– Don’t Create the Account in Your Name

People frequently assume that the custodial parent is the one that informs the child support agency of the location of the bank accounts. This is true occasionally, but not always. In reality, banks must inform child support organizations with account information. 

Do not create the account in your name

How does child support find your bank account? If you have a bank account, it’s extremely probable that the child support division handling your case has access to this information. But if you create a joint bank account or an account in another person’s name, child support may be unable to freeze money in that account.

– Demonstrate That the Money Is Not Yours

If your name appears on an account, even if you are simply a secondary account holder, child support agencies are free to seize any funds in the account. It will be up to you to demonstrate that the money in the account is not yours. 

For example, child support cannot seize money from an account that belongs to someone for whom you have been appointed guardian, for instance. Just remember that child support cannot freeze money in case it does not belong to you, even if it’s in your bank account.

– Only Keep Money From Specific Sources

Can child support take money from your bank account without permission? The answer is yes. They could freeze your account and can take the required unpaid support payments. 

However, your bank account cannot be frozen by the child support if the funds come from any of the following programs:

Emergency Assistance for Elderly, Disabled, and Children (EAEDC), Transitional Aid to Needy Families (TANF), Supplemental Security Income (SSI), or State Veterans’ benefits.

Additionally, while wondering about “How can child support take money from my bank account?” remember that child support cannot take or freeze money that is not yours. 


1. What Are the Consequences of a Hiding Bank Account From Child Support?

The consequences of hiding a bank account from child support or even assets can represent serious penalties which may include economic sanctions if the court may decide to punish you. This is done so that a just settlement can be reached.

The court wants to make sure that both parties are being truthful and fair about their financial facts. The court may order you to pay your ex-legal spouse’s bills or give your ex-spouse a bigger share of the marital assets. It may even grant your ex-spouse sole custody of your children if it is discovered that you are illegally concealing assets even after the court’s child support or divorce proceedings.

Although hiding assets won’t result in criminal charges against you, it is still seen as fraudulent activity and will have the same negative consequences.

2. For How Many Days Can Child Support Levy a Bank Account?

Child support can levy a bank account for 60 days if you have not paid the support amounts. It Is likely that your state’s child support enforcement division will contact you if you owe overdue child payments. The bank levy is a tool that states can use for tax collection.

Your bank accounts may be raided for cash to pay off your debts. In other areas, such as California, falling behind by even just $100 can result in legal issues. Typically, in order to get the levy lifted, you must either fully pay the debt or successfully contest the levy on the grounds that, for example, the debt is not yours.

Despite the fact that state laws can differ, it is common practice for child support enforcement organizations to levy the bank accounts of parents who are behind on child support payments. Usually, a parent has to owe money before a levy can be applied. When it comes to bank levy for child support arrears, in some states, for instance, a parent must owe at least 12 months’ worth of arrears in child support.

For how many days can child support levy a bank account

States also differ in terms of how long a bank levy is held against an account. How often can child support levy bank account? In Massachusetts, for instance, a levy that attaches to an account remains in place for 60 days or until the full amount that is past due is paid, whichever comes first.


Custodial parents are very likely to feel the temptation to hide their financial accounts from various child support organizations. You can do this in a number of ways, despite the fact that it is against the law to do so and is not advantageous.

  • Informing a caseworker about your reasons for not paying child support as well as when you anticipate being able to resume is the only way to safeguard your account.
  • Regardless of when the overdue child support is paid, the bank levy is in place for 60 days.
  • To avoid paying child support, you can open a bank account under a fictitious name or a company name.
  • The effects of hiding assets from child support include a penalty and freezing of your bank account by child support.
  • If child support is able to locate your account, they have the authority to immediately ask the bank to freeze it and remove all funds.

We hope after reading the ways and consequences of a hidden bank account or hidden assets you will make sure to always disclose all of your financial information and assets so that the law can treat you fairly.

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