🏦 Banks That Accept ITIN (No SSN Required)

Open a US Bank Account Today — Even Without a Social Security Number

These major banks welcome ITIN holders. A bank account is your first step to building credit and accessing financial products in the United States.

6+
Banks Available
$0
Min Deposit Options
Same Day
Account Opening
FDIC
Insured

🏆 Bank of America

Accepts: ITIN, Passport, Matrícula ConsularProducts: Checking + Savings + Credit CardsFee: $4.95/mo (waivable)

Full banking suite. Open checking, then apply for secured card at same branch. Largest branch network in the US.

How to Open Account + Card →

🏆 Wells Fargo

Accepts: ITIN, PassportProducts: Checking + Savings + Secured CardFee: $10/mo (waivable with $500 balance)

Secured credit card available to ITIN holders on same visit. Strong credit-building path. Available in most states nationwide.

How to Open Account + Card →

🏆 Chase Bank

Accepts: ITIN, Passport, two forms of IDProducts: Checking + SavingsFee: $12/mo (waivable with direct deposit)

Largest bank in the US. Often offers $200+ sign-up bonuses for new checking accounts. Massive ATM network.

Get Your ITIN Ready →

🏆 Citibank

Accepts: ITIN, PassportProducts: Checking + Savings + Credit CardsFee: $12/mo (waivable)

International presence makes banking easier for recent immigrants. Secured Mastercard for ITIN holders available.

Full Guide: Credit Without SSN →

🏆 Chime (Online Bank)

Accepts: ITINProducts: Checking + Savings + Credit Builder CardFee: $0 (completely free)

100% online, zero fees, no minimum balance. Credit Builder card included — reports to all 3 bureaus. Best free option available.

How to Open Chime + Credit Builder →

🏆 US Bank

Accepts: ITIN, PassportProducts: Checking + SavingsFee: $6.95/mo (waivable)

Available in 26 states. Accepts ITIN in-branch. Low minimum deposit requirements.

Start Building Credit →

📄 Documents to Bring to the Bank

  • ITIN letter from the IRS (CP565 notice)
  • Valid passport (not expired)
  • Secondary ID: state ID, driver’s license, or Matrícula Consular
  • Proof of US address: utility bill, lease, or official mail
  • Initial deposit: $25-$100 cash or check

What to Do After Opening Your Account

  1. Set up direct deposit if possible (helps waive monthly fees)
  2. Use your debit card regularly (builds banking history)
  3. After 1-3 months, apply for a secured credit card at the same bank
  4. Keep your account in good standing — no overdrafts

Continue Reading

→ Best credit cards for ITIN holders

→ How to build credit from zero with ITIN

→ Personal loans for ITIN holders

→ What is an ITIN and how to apply

→ 7 mistakes to avoid