Yes, you can open a US bank account without a Social Security number (SSN), but the easiest route is usually not fully online. Many large banks accept an Individual Taxpayer Identification Number (ITIN), a passport or other approved ID in place of an SSN, and they typically want you to apply in a branch. Fully online, passport-only opening is mostly limited to fintech providers, which are not banks.
This guide compares seven well-known options for non-residents and new immigrants, explains what you will need, and shows how to apply. It is general information, not legal, tax or financial advice. Bank policies change often and vary by branch, visa type and country, so confirm the current requirements with each provider before you apply.
Quick Answer: Which Option Fits You?
- Just arrived on a work or student visa: Chase, Bank of America or Wells Fargo in a branch, with your passport and visa.
- Need a US account before you arrive: Wise or Revolut, or HSBC if you already bank with them abroad.
- Have an ITIN but no SSN: Most of the big banks listed below.
- Moving money internationally: Wise, alongside a traditional account.
Can You Really Open an Account Online Without an SSN?
Sometimes, but it depends on the provider and your status. Sources disagree, and the rules have tightened in places, so treat any “no SSN, fully online” claim with caution.
| Route | Usually online? | ID needed |
|---|---|---|
| Big US banks | Often branch only | SSN, ITIN or alternative ID |
| Wise, Revolut | Yes | Varies by country and status |
| Your home bank (e.g. HSBC) | Sometimes | Existing customer |
One consumer guide notes that non-residents will probably struggle to open a US bank account fully online and that a specialist provider like Wise or Revolut may be a better option, while another says that some US banks accept an ITIN instead of an SSN. See the Wise guide to banking without an SSN and the Bankrate guide for non-US citizens for background. Both providers have commercial interests, so read their terms directly.
How These Seven Were Chosen
I looked at consumer guides and bank information and shortlisted providers that appear consistently for non-residents and new arrivals. I weighed ID flexibility, branch access, fees, online tools and suitability for people building a US financial life. This is not an independent test, and many comparison sites earn commission, so use it as a starting point.
The Seven Options at a Glance
| Provider | Opening method | Best for |
|---|---|---|
| 1. Chase | Branch | Long-term banking |
| 2. Bank of America | Branch | ITIN holders, students |
| 3. Wells Fargo | Branch | Wide branch access |
| 4. Citibank | Branch | Premium, global needs |
| 5. HSBC | Branch or pre-arrival | Existing HSBC customers |
| 6. Wise | Online | Transfers, pre-arrival |
| 7. Revolut | Online | Multi-currency use |
1. Chase
Chase is often the first name given to newcomers because of its large branch and ATM network. One guide says Chase will accept an SSN, an ITIN or a valid alternative ID. You usually apply in a branch with your passport and visa, and a US address helps.
Strengths: Large network, strong mobile app and a range of checking accounts. Watch-outs: Checking accounts often carry a monthly fee unless you meet conditions, and policies vary by branch. Visit Chase.
2. Bank of America
Bank of America accepts an ITIN, according to the sources reviewed, and one guide notes that it requires branch enrollment for ITIN-based accounts. Entry-level accounts such as Advantage SafeBalance have been mentioned for non-residents.
Strengths: Clear published guidance, a wide branch network and options that suit students and new arrivals. Watch-outs: Expect to apply in person, and the fee waiver rules can be strict. Visit Bank of America.
3. Wells Fargo
Wells Fargo is also reported to accept an ITIN or alternative identification for personal checking. Its large branch footprint, especially in the West and South, makes it convenient for newcomers who prefer in-person help.
Strengths: Broad reach and simple starter accounts. Watch-outs: Requirements can differ between branches, so call ahead and ask exactly which documents the branch will accept. Visit Wells Fargo.
4. Citibank
Citibank has a global footprint and is mentioned in several guides as accepting an ITIN or passport-based identification. Its international and premium accounts can serve people with cross-border needs, but they often come with high minimum balances.
Strengths: Global reach and tools for international customers. Watch-outs: Branch access is more limited outside major cities, and premium accounts may require large balances or relationship thresholds, so confirm current terms. Visit Citi.
5. HSBC
HSBC suits people who already bank with it in their home country. In some countries, eligible HSBC customers can arrange a US account before they move, which removes the first-week stress of banking.
Strengths: Cross-border convenience for existing customers. Watch-outs: Eligibility and minimum balances vary, and the service is aimed at higher-tier customers, so ask your home branch what applies. Visit HSBC US.
6. Wise
Wise is not a bank. It offers multi-currency accounts with local account details, and many people use it to receive US dollars and send money home at low cost. Availability depends on where you live, and some guides note that a Wise account for US residents may require an SSN or ITIN, so check what applies to your situation.
Strengths: Online setup, strong international transfer tools and no reliance on a branch. Watch-outs: It is a money services provider, not a bank, so check how your balance is safeguarded and whether deposit insurance applies. It also may not cover everything a US bank does, such as some payroll or lease requirements. Visit Wise.
7. Revolut
Revolut offers a US app-based account with multi-currency features. One comparison guide says its US account requires proof of ID and address plus an ITIN or SSN, so it may not work for everyone without a tax ID.
Strengths: Easy app experience and good currency tools. Watch-outs: Features and eligibility differ by country, and the way funds are held and insured matters, so read the terms. Visit Revolut.
What Documents Will You Need?
- Valid passport (and sometimes a second form of ID).
- Visa or immigration documents, such as an I-94, I-20 or work authorization.
- US address. Some banks accept a lease, utility bill or a university letter.
- Foreign address, if you are applying as a non-resident.
- SSN or ITIN, where required.
- Opening deposit, if the account requires one.
SSN vs ITIN: What Is the Difference?
An SSN is issued by the Social Security Administration, mainly to citizens, permanent residents and people authorized to work in the US. You can find the process on the SSA website.
An ITIN is a tax processing number from the IRS for people who need a US taxpayer ID but are not eligible for an SSN. It is not work authorization. See the IRS ITIN page. Use only official channels and be careful of unofficial services that charge high fees or make guarantees.
If you later receive an SSN, tell your bank so your accounts and tax reporting are updated.
Fees, Insurance and Safety
- Monthly fees. Check the fee schedule and how to waive it, such as through direct deposit or a minimum balance.
- Deposit insurance. FDIC insurance covers deposits at insured banks up to $250,000 per depositor, per bank, per ownership category. Check coverage on the FDIC website, and confirm whether a fintech’s partner bank provides pass-through coverage.
- Credit unions. Some local credit unions are flexible with ID, and some accept passports or consular IDs. Check that they are insured by the NCUA and that you qualify for membership.
- Foreign transfer costs. Compare exchange rates and transfer fees, not only account fees.
Step-by-Step: How to Open an Account
- Decide what you need: a salary account, a savings account, or a way to receive and send money internationally.
- Shortlist two or three providers and check their current rules for non-residents or ITIN holders.
- Call or message ahead, and ask exactly which documents a specific branch will accept.
- Gather your documents, including passport, visa papers and proof of address.
- Apply, in a branch or online as required, and ask for the fee waiver conditions.
- Set up online banking and direct deposit with your employer.
- Review your tax forms. You may be asked to provide a Form W-9 or W-8BEN, depending on your tax status.
- Build credit gradually, with a secured card or similar product, once you have the required ID.
Red Flags and Scams to Avoid
- “Guaranteed SSN” or ITIN services that charge large fees.
- Accounts offered through social media or messaging apps from unknown people.
- Requests to pay a fee to a third party to “release” your account.
- Offers to let someone else use your account, which can be illegal.
Practical Considerations
- Policies change. Banks adjust ID rules and fintechs tighten or loosen access, so verify before you apply.
- Taxes. Interest and account reporting depend on your residency, so speak with a tax professional if you are unsure.
- Use two accounts. Many newcomers keep a traditional bank account for salary and rent, plus a fintech account for international transfers.
- Health cover and housing. Your bank account is only one part of your move. See our international health insurance guide, and if you are moving to Texas, our Austin relocation guide.
Frequently Asked Questions
1. Can I open a US bank account without an SSN?
Often yes. Several large banks accept an ITIN or alternative ID, and some fintech providers accept a passport. Requirements vary by bank, branch and your visa status.
2. Can I open a US bank account online as a non-resident?
It is difficult with traditional banks, which usually require a branch visit. Fintech providers like Wise and Revolut offer online opening, although eligibility depends on your country and status.
3. What documents do I need?
Usually a passport, visa documents, proof of address and a tax ID if required. Ask the specific bank what it accepts.
4. What is an ITIN and do I need one?
An ITIN is an IRS tax identification number for people who cannot get an SSN. Some banks accept it for account opening, but it is not work authorization.
5. Is my money safe in a fintech account?
It depends on how the provider holds funds. FDIC insurance applies to deposits at insured banks, and some fintechs hold customer money at partner banks. Read the provider’s insurance and safeguarding terms.
6. Which is the best US bank for new immigrants?
There is no single best. Chase, Bank of America and Wells Fargo are common starting points because of their branches and ID flexibility, while Wise is useful for international transfers. Match the option to your visa and needs.
7. Can I build credit without an SSN?
It is harder. Credit bureaus generally rely on an SSN or ITIN, so many newcomers start with a bank account and build credit once they have the right ID.
Conclusion
The best US bank account for a non-resident or new immigrant depends on your visa, your ID and whether you need an account before or after you arrive. For most people, a branch visit to a large bank with a passport and visa, or an ITIN where needed, is the most reliable route. Fintechs such as Wise and Revolut can help with online access and international transfers, but their eligibility rules and protections differ from banks. Check each provider’s current requirements, avoid anyone who promises shortcuts, and treat every detail here as a guide rather than a guarantee.