<prompt> Human: Banks or other businesses that pay you certain kinds of income must file an information return Form 1099 with the IRS.. . . The bank or business will give you Form W-9 PDF, Request for Taxpayer Identification Number and Certification, or a similar form. You must enter your TIN on the form and, if your account or investment will earn interest or dividends, you also must certify that you are not subject to backup withholding due to previous underreporting of interest and dividends.sourceIve had a savings account for several years, but my bank has never given me or mentioned a W-9 form. Is this form applicable to me because of this savings account, or is there a minimum amount of interest that must be earned for the form to be needed? Im sorry if this is a stupid question. I hadnt read about a W-9 form before and was surprised to see that it seemed to apply to me.  <response>: Its likely your bank already has your taxpayer ID, and just hasnt been paying enough interest to bother issuing a 1099 for it. I think the minimum is 5-10. 