If you have non declared bank accounts with Swiss banks, if you acted as signatory on such accounts, if you are a US person, you do a good thing for yourself, if you start to qualify for the OVDP as soon as possible, otherwise you risk that your own Swiss bank will report you to the IRS before you can file your own self-declaration with the IRS. It can br be too late to benefit from the program (OVDP) if you remain passive.