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Banks That Open Accounts Without a Social Security Number in 2026
You don’t need an SSN to open a bank account in the United States. Multiple major banks and online institutions accept an ITIN, passport, or consular ID as identification. Here are your best options.
Best Banks for ITIN Holders
🏦 Bank of America
Why it’s great: Full suite of products. Once you have a checking account, you can apply for their secured credit card to start building credit. Large branch network nationwide.
🏦 Wells Fargo
Why it’s great: Offers secured credit card to ITIN holders. Strong path from banking to credit building. Available in most states.
🏦 Chase Bank
Why it’s great: Largest bank in the US. Often offers $200+ sign-up bonuses for new checking accounts.
🏦 Citibank
Why it’s great: Offers secured Mastercard to ITIN holders. International presence makes it easier for recent immigrants.
📱 Chime (Online Bank)
Why it’s great: 100% online, no fees, no minimum balance. Credit Builder card reports to all 3 bureaus. No credit check to open.
📱 Greenlight (For Families)
Why it’s great: Debit cards for children with parental controls. Good for families building financial life in the US.
What Documents to Bring
When visiting a bank branch, bring:
- ITIN letter from the IRS (CP565 notice)
- Passport (original, not expired)
- Secondary ID: driver’s license, state ID, Matrícula Consular, or foreign national ID
- Proof of address: utility bill, lease agreement, or official mail with your name and US address
- Initial deposit: cash or check ($25-$100 recommended)
Online vs In-Branch
| Method | Pros | Cons |
|---|---|---|
| In-branch | Staff can help with ITIN process, instant account | Need to visit during hours |
| Online | Open 24/7, no awkward conversations | Some banks require SSN online, ITIN only in-branch |
Recommendation: Visit a branch in person for your first account. Bring all documents. Once you have one account established, future applications become easier.
After Opening Your Account
- Set up direct deposit if possible (helps waive fees)
- Use your debit card regularly (builds banking history)
- After 1-3 months, apply for a secured credit card at the same bank
- Keep your account in good standing (no overdrafts)