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How to Get the Bank of America Secured Card Using Your ITIN
Bank of America offers a $0 annual fee secured card that upgrades to unsecured after 12 months. They accept ITIN holders in-branch. Here is exactly how to apply.
What You Need to Bring to the Branch
- ITIN letter (CP565 notice from the IRS)
- Valid passport (not expired)
- Secondary ID: state driver’s license, Matrícula Consular, or foreign national ID
- Proof of US address: utility bill, lease, or bank statement
- Deposit: $200 – $5,000 (cash, check, or from existing BofA account)
Step-by-Step Application Process
Step 1: Find a Branch
Use BankOfAmerica.com to find the nearest branch. Walk-ins are accepted but scheduling an appointment is recommended.
Step 2: Tell the Banker You Want a Secured Card
Say: “I would like to apply for a secured credit card. I have an ITIN instead of an SSN.” Bank of America bankers are trained on ITIN applications.
Step 3: Provide Your Documents
Hand over your ITIN letter, passport, secondary ID, and proof of address. The banker will verify everything in the system.
Step 4: Choose Your Deposit Amount
Your deposit becomes your credit limit. Minimum is $200, maximum $5,000. If you already have a BofA checking account, the deposit can come from there.
Step 5: Get Approved
Approval usually happens same day or within 1-2 business days. Your card arrives by mail in 7-10 days.
Key Facts
| Feature | Details |
|---|---|
| Annual Fee | $0 |
| Deposit Range | $200 – $5,000 |
| Credit Check | Soft pull (no impact on score) |
| Reports To | All 3 bureaus |
| ITIN Method | In-branch only |
| Upgrade to Unsecured | After 12 months of good use |
| Deposit Refund | Yes, when you upgrade or close |
Pro Tip: Open Checking First
If you don’t already have a BofA checking account, open one at the same visit. Having a checking account with the same bank:
- Makes the credit card application easier
- Shows banking relationship history
- Makes deposit transfer instant
- Helps with future unsecured card approval
After 12 Months: The Upgrade
After 12 months of on-time payments, Bank of America will automatically review your account for upgrade to an unsecured card. If approved:
- Your deposit is fully refunded
- Your credit limit may increase
- You keep the same account (credit history preserved)
→ Compare all ITIN credit cards
📌 Ready to Apply?
Visit your nearest Bank of America branch with your ITIN letter and passport.