Unfortunately in the USA, we are all compelled to use Federal Reserve Notes as they are the only form of universal currency. If one does not like banks collecting data, go to the ATM and get cash to use or quit banking altogether. The W-8BEN can be presented when requested by the bank. 
If you do not like big banks, consider a state chartered credit union for a non-federally chartered, more people-oriented banking experience. Research a Credit Union (ncua.gov). There is only one sovereign state bank in the USA, the Bank of North Dakota. However, many states are trying to get sovereign state banks setup including Colorado.
One should also get familiar with digital currency because it is coming to main street very soon.
New Private Options
Please check out these new and innovative financial institutions that are alternatives to using FRNs:
- United People Foundation – The UPF’s main objective is to be Good Stewards of All Life as described in the New Declaration of Human Rights (NDHR). Ronald Bernard and Michael Sabbe are the founders of UPF – please consider purchasing an Eternal Member Certificate for $105 Euro as well as joining their marketplace to use their new URA currency. As soon as the UPF has 10,000 EMC holders, phase II begins which is a true Internet Bank for the people worldwide.
- Liberty Financial Association – LFA is private money for private people. This Private Membership Association converts all deposits and withdrawals to the Silver spot price for the day. Your money is safely secured in .999 fine silver bullion.
 “Establishing status for chapter 4 purposes. A foreign financial institution (FFI) may rely on a properly completed Form W-8BEN to establish your chapter 4 status as a foreign person. The Form W-8BEN should be provided to the FFI when requested”. From W-8BEN instructions.