diff --git a/gratipay/main.py b/gratipay/main.py
index dc3fdd50f7..d047a2a68b 100644
--- a/gratipay/main.py
+++ b/gratipay/main.py
@@ -32,9 +32,11 @@
     # This is shared via class inheritance with jinja2_htmlescaped.
     'b64encode': base64.b64encode,
     'enumerate': enumerate,
+    'filter': filter,
     'filter_profile_subnav': utils.filter_profile_subnav,
     'float': float,
     'len': len,
+    'map': map,
     'range': range,
     'str': str,
     'to_javascript': utils.to_javascript,
diff --git a/js/gratipay/payments.js b/js/gratipay/payments.js
index af2dd869b9..070b36bace 100644
--- a/js/gratipay/payments.js
+++ b/js/gratipay/payments.js
@@ -91,31 +91,13 @@ Gratipay.payments.ba.submit = function (e) {
         routing_number: $('#routing_number').val()
     };
 
-    Gratipay.payments.ba.merchantData = {
-        //type: 'person',  // Oooh, may need to vary this some day?
-        street_address: $('#address_1').val(),
-        postal_code: $('#zip').val(),
-        phone_number: $('#phone_number').val(),
-        region: $('#state').val(),
-        dob_month: $('#dob-month').val(),
-        dob_year: $('#dob-year').val(),
-        dob_day: $('#dob-day').val(),
-        name: $('#name').val()
-    };
     var errors = [];
 
 
     // Require some fields.
     // ====================
-    // We only require fields that are actually on the page. Since we don't
-    // load the identity verification fields if they're already verified, not
-    // all of these will necessarily be present at all.
 
     var requiredFields = {
-        name: 'Your legal name is required.',
-        address_1: 'Your street address is required.',
-        zip: 'Your ZIP or postal code is required.',
-        phone_number: 'A phone number is required.',
         account_name: 'The name on your bank account is required.',
         account_number: 'Your bank account number is required.',
         routing_number: 'A routing number is required.'
diff --git a/www/%username/identity.spt b/www/%username/identity.spt
new file mode 100644
index 0000000000..1ba8422a31
--- /dev/null
+++ b/www/%username/identity.spt
@@ -0,0 +1,145 @@
+import balanced
+
+from gratipay.billing.exchanges import repr_exception
+from gratipay.utils import get_participant
+
+[---]
+request.allow('GET', 'POST')
+participant = get_participant(state, restrict=True)
+title = _("Identity Verification")
+error = ''
+
+if request.method == 'POST':
+    account = participant.get_balanced_account()
+
+    body = request.body
+    account.name = body.get('name')
+    account.address['line1'] = body.get('address_1')
+    account.address['line2'] = body.get('address_2')
+    account.address['postal_code'] = body.get('postal_code')
+    account.address['city'] = body.get('city')
+    account.address['state'] = body.get('region')
+    account.address['country_code'] = body.get('country')
+    account.phone = body.get('phone_number')
+    account.ssn_last4 = body.get('ssn_last4') or None
+
+    dob = body.get('dob', '')
+    if dob:
+        try:
+            account.dob_year, account.dob_month, account.meta['dob_day'] = \
+                map(int, dob.split('-'))
+        except ValueError:
+            error = _("Invalid date of birth.")
+
+    if not error:
+        # This will possibly fail with 400 if formatted badly, or 300 if we
+        # cannot identify the merchant.
+        try:
+            account.save()
+        except balanced.exc.HTTPError as err:
+            error = repr_exception(err)
+        else:
+            if account.merchant_status != 'underwritten':
+                error = _("Unable to verify your identity")
+
+elif participant.balanced_customer_href:
+    account = participant.get_balanced_account()
+
+else:
+    account = balanced.Customer()
+
+[---] text/html
+{% extends "templates/base.html" %}
+
+{% block scripts %}
+    {{ super() }}
+    <script>
+        $(document).ready(function(){
+            $('select[name="country"]').chosen();
+            {% if error %}
+            Gratipay.notification({{ to_javascript(error)|safe }}, 'error', -1);
+            {% endif %}
+        });
+    </script>
+{% endblock %}
+
+{% block content %}
+
+<div class="cc-ba">
+<form action="" method="POST" autocomplete="off">
+
+    <input type="hidden" name="csrf_token" value="{{ csrf_token }}" />
+
+    <label>
+        <span>{{ _("Your Legal Name") }}</span>
+        <input name="name" value="{{ account.name or '' }}" required />
+    </label>
+
+    <div class="clear"></div>
+
+    <label>
+        <span>{{ _("Address") }}</span>
+        <input name="address_1" value="{{ account.address.line1 or '' }}" required />
+    </label>
+
+    <label>
+        <span>{{ _("Address (second line)") }}</span>
+        <input name="address_2" value="{{ account.address.line2 or '' }}" />
+    </label>
+
+    <label>
+        <span>{{ _("City") }}</span>
+        <input name="city" value="{{ account.address.city or '' }}" />
+    </label>
+
+    <label class="half left">
+        <span>{{ _("State or Province") }}</span>
+        <input name="region" value="{{ account.address.state or '' }}" />
+    </label>
+
+    <label class="half right">
+        <span>{{ _("ZIP or Postal Code") }}</span>
+        <input name="postal_code" value="{{ account.address.postal_code or '' }}" required />
+    </label>
+
+    <div class="clear"></div>
+
+    <label>
+        <span>{{ _("Country") }} (<a href="/about/faq.html#how-withdraw-funds">{{ _("non-US?") }}</a>)</span>
+        <select name="country" disabled>
+        {% for each in locale.countries.items() %}
+            <option value="{{ each[0] }}" {{ 'selected' if each[0] == 'US' }}>{{ each[1] }}</option>
+        {% endfor %}
+        </select>
+    </label>
+
+    <label>
+        <span>{{ _("Contact Phone Number") }}</span>
+        <input name="phone_number" value="{{ account.phone or '' }}" required />
+    </label>
+
+    <label class="left">
+        <span>{{ _("Date of Birth") }}</span>
+        {% set dob = [account.dob_year, account.dob_month, account.meta.dob_day] %}
+        {% set dob = '-'.join(map(str, filter(none, dob))) %}
+        <input name="dob" value="{{ dob }}" pattern="[1-2][0-9]{3}-[0-9]{1,2}-[0-9]{1,2}"
+               placeholder="{{ _('YYYY-MM-DD') }}" title="{{ _('YYYY-MM-DD') }}"
+               required />
+    </label>
+
+    <div class="clear"></div>
+
+    <label class="half left">
+        <span>{{ _("Last four SSN digits") }} {{ _("(Not required)") }}</span>
+        <input name="ssn_last4" value="{{ account.ssn_last4 or '' }}" />
+    </label>
+
+    <div class="clear"></div>
+    <br/>
+
+    <button class="selected larger" type="submit">{{ _("Save") }}</button>
+
+</form>
+</div>
+
+{% endblock %}
diff --git a/www/bank-account.html.spt b/www/bank-account.html.spt
index fd25db87e9..58496fc348 100644
--- a/www/bank-account.html.spt
+++ b/www/bank-account.html.spt
@@ -1,6 +1,4 @@
-from datetime import datetime
-
-from gratipay import billing, MONTHS
+from gratipay import billing
 from gratipay.billing.exchanges import MINIMUM_CREDIT
 
 [-----------------------------------------------------------------------------]
@@ -10,8 +8,9 @@ bank_account = None
 status = ". . ."
 
 if not user.ANON:
-    balanced_customer_href = user.participant.balanced_customer_href
-    last_ach_result = user.participant.last_ach_result
+    participant = user.participant
+    balanced_customer_href = participant.balanced_customer_href
+    last_ach_result = participant.last_ach_result
 
     status = _("Your bank account is {0}not connected{1}")
     if balanced_customer_href:
@@ -21,8 +20,6 @@ if not user.ANON:
         account = participant.get_balanced_account()
         bank_account = billing.BalancedBankAccount(balanced_customer_href)
 
-    username = user.participant.username
-
 title = _("Bank Account")
 [-----------------------------------------------------------------------------]
 {% extends "templates/base.html" %}
@@ -76,90 +73,11 @@ title = _("Bank Account")
         {% endif %}
     </style>
     <div class="cc-ba">
+        {% if account and account.merchant_status == 'underwritten' %}
         <form id="bank-account" autocomplete="off">
             <div class="constrain-width clearfix">
 
-                {% if account and 'merchant' in account.roles %}
-                <h2>{{ _("Identity Verification") }} &nbsp; <span>&#x2714;</span></h2>
-                <h2>{{ _("Routing Information") }}</h2>
-                {% endif %}
-
-
-                {% if not account or 'merchant' not in account.roles %}
-                <h2>{{ _("Identity Verification") }}</h2>
-
-                <div>
-                <label for="name">{{ _("Your Legal Name") }}</label>
-                <input id="name" value="" />
-                </div>
-
-                <div class="clear"></div>
-
-                <div>
-                    <label for="address_1">{{ _("Street Address") }}</label>
-                    <input id="address_1" value="" />
-                </div>
-
-                <div>
-                    <label for="city">{{ _("City") }}</label>
-                    <input id="city" value="" />
-                </div>
-
-                <div class="half left">
-                    <label for="state">{{ _("State or Province") }}</label>
-                    <input id="state" value="" />
-                </div>
-
-                <div class="half right">
-                    <label for="zip">{{ _("ZIP or Postal Code") }}</label>
-                    <input id="zip" value="" />
-                </div>
-
-                <div class="clear"></div>
-
-                <div>
-                    <label for="country">{{ _("Country") }} (<a href="/about/faq.html#how-withdraw-funds">{{ _("non-US?") }}</a>)</label>
-                    <input id="country" value="{{ locale.countries['US'] }}" disabled="true"
-                        class="disabled" />
-                </div>
-
-                <div>
-                    <label for="phone_number">{{ _("Contact Phone Number") }}</label>
-                    <input id="phone_number" value="" />
-                </div>
-
-                <div class="left">
-                    <label for="dob-year">{{ _("Date of Birth") }}</label>
-                    <select id="dob-month">
-                        {% for i in range(1, 13) %}
-                        <option value="{{ i }}">{{ MONTHS[i] }}</option>
-                        {% endfor %}
-                    </select>
-                    <select id="dob-day">
-                        {% for i in range(1, 32) %}
-                        <option value="{{ i }}">{{ i }}</option>
-                        {% endfor %}
-                    </select>
-                    <select id="dob-year">
-                    {% for i in range(1900, datetime.utcnow().year - 17) %}
-                        <option value="{{ i }}" {{ 'selected="selected"' if i == 1990 else '' }}>{{ i }}</option>
-                    {% endfor %}
-                    </select>
-                </div>
-
-                <div class="clear"></div>
-
-                <div class="half left">
-                    <label for="ssn_last4">{{ _("Last four SSN digits") }} {{ _("(Not required)") }}</label>
-                    <input id="ssn_last4" value="" />
-                </div>
-
-                <div class="clear"></div>
-
-
                 <h2>{{ _("Routing Information") }}</h2>
-                {% endif %}
-
 
                 <div class="float">
                     <label for="account_name">{{ _("Name on Bank Account") }}</label>
@@ -180,8 +98,14 @@ title = _("Bank Account")
             </div>
 
             <button class="selected larger" id="save" type="submit">{{ _("Save") }}</button>
+
         </form>
 
+        {% else %}
+        <p><a href="/{{ participant.username }}/identity">{{
+            _("You need to verify your identity first")
+        }}</a></p>
+        {% endif %}
 
         {% if bank_account and bank_account.is_setup %}
         <div id="delete">
diff --git a/www/bank-account.json.spt b/www/bank-account.json.spt
index 7b2970dbe5..a88dcdafbd 100644
--- a/www/bank-account.json.spt
+++ b/www/bank-account.json.spt
@@ -31,33 +31,11 @@ else:
     balanced_account = participant.get_balanced_account()
 
 
-    # Ensure the user is a merchant.
+    # Ensure the user is identified.
     # ==============================
-    # This will possibly fail with 400 if formatted badly, or 300 if we cannot
-    # identify the merchant.
 
-    out = {}
     if balanced_account.merchant_status != 'underwritten':
-
-        balanced_account.name = body.get('name')
-        balanced_account.address['line1'] = body.get('street_address')
-        balanced_account.address['postal_code'] = body.get('postal_code')
-        balanced_account.address['state'] = body.get('region')
-        balanced_account.phone = body.get('phone_number')
-        balanced_account.dob_month = body.get('dob_month')
-        balanced_account.dob_year = body.get('dob_year')
-        balanced_account.meta['dob_day'] = body.get('dob_day')
-        balanced_account.ssn_last4 = body.get('ssn_last4')
-
-        try:
-            balanced_account.save()
-        except balanced.exc.HTTPError as err:
-            out = {"problem": "Problem", "error": err.message}
-
-        if balanced_account.merchant_status != 'underwritten':
-            out = { 'problem': 'More Info Needed'
-                  , 'error': 'Unable to verify your identity'
-                   }
+        out = {'problem': _("You need to verify your identity first.")}
 
 
     # No errors? Great! Let's add the bank account.