{"id":23511,"date":"2026-03-04T20:18:01","date_gmt":"2026-03-04T20:18:01","guid":{"rendered":"https:\/\/budgetadirect.com\/?p=23511"},"modified":"2026-03-04T20:18:03","modified_gmt":"2026-03-04T20:18:03","slug":"how-non-us-citizens-can-open-a-bank-account","status":"publish","type":"post","link":"https:\/\/budgetadirect.com\/?p=23511","title":{"rendered":"How Non-US Citizens Can Open A Bank Account"},"content":{"rendered":"<div>\n<div id=\"block_3c04f9a8308a3aed24f2e6f3b433d449\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Non-U.S. citizens can open bank accounts in the United States, but the process typically requires visiting a branch in person and providing extra documentation such as a passport and an Individual Taxpayer Identification Number (ITIN).\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Many major banks \u2014 including Bank of America, Chase, Citibank, and PNC \u2014 accept an ITIN in place of a Social Security number when you open an account at a branch.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            A June 2025 regulatory change now gives banks more flexibility in how they verify taxpayer identification, which may make account opening easier for non-citizens at some institutions.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Opening a bank account provides critical benefits including FDIC insurance protection up to $250,000, lower fees compared to check-cashing services, and opportunities to build a U.S. credit history.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>For the vast majority of consumers, a bank account is one of the basic tools for financial security. But accessing something as essential as a checking or savings account can be a challenge when you don\u2019t have a Social Security number.<\/p>\n<p>Without a bank account, non-U.S. citizens face serious difficulties managing their finances \u2014 from figuring out how to keep their money safe to avoiding steep fees from check-cashing services. According to the 2023 FDIC National Survey of Unbanked and Underbanked Households, 4.2 percent of U.S. households (approximately 5.6 million) were unbanked, and non-citizen immigrant status is one of the factors most strongly associated with being unbanked.<\/p>\n<p>Fortunately, it is possible for non-U.S. citizens to open a checking or savings account, though it involves more legwork and documentation than it does for U.S. citizens. Here\u2019s what you need to know.<\/p>\n<h2 id=\"required-documents\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Required documents to open a U.S. bank account\" data-outcome=\"\">Required documents to open a U.S. bank account<\/h2>\n<p>To open an account, a bank or credit union needs to know it\u2019s really you. It\u2019s part of the U.S. government\u2019s customer identification program, which sets the standards for how financial institutions should confirm their customers\u2019 identities.<\/p>\n<p>Verifying your identity will be different depending on the bank or credit union, but it typically involves providing the following:<\/p>\n<div class=\"DefinitionList mb-8 DefinitionList--table\">\n            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"type-heading-three leading-8 sm:leading-10 mb-6\">\n<\/h3>\n<p>    <!-- htmlmin:ignore --><\/p>\n<dl>\n<div class=\"Definition-item flex\">\n<dt class=\"text-gray-900\">Photo ID<\/dt>\n<dd class=\"text-gray-700\">\n<p>Eligible documents to prove your name and birth date include an unexpired passport, a Permanent Resident Card (Green Card) and a foreign driver\u2019s license.<\/p>\n<\/dd>\n<\/div>\n<div class=\"Definition-item flex\">\n<dt class=\"text-gray-900\">Proof of address<\/dt>\n<dd class=\"text-gray-700\">\n<p>A recent utility bill, formal letter with your name and address or employer paycheck can often serve as a proof of your current address.<\/p>\n<\/dd>\n<\/div>\n<div class=\"Definition-item flex\">\n<dt class=\"text-gray-900\">Initial deposit<\/dt>\n<dd class=\"text-gray-700\">\n<p>Not all banks or credit unions require an initial deposit but many do. Wells Fargo, for example, requires a $25 minimum deposit to open an Everyday Checking account.<\/p>\n<\/dd>\n<\/div>\n<div class=\"Definition-item flex\">\n<dt class=\"text-gray-900\">Individual Taxpayer Identification Number (ITIN)<\/dt>\n<dd class=\"text-gray-700\">\n<p>Many bank accounts pay interest, which is taxable income. Banks require an Individual Taxpayer Identification Number (ITIN) for nonresidents in order to supply information to the Internal Revenue Service (IRS) for tax-reporting purposes.<\/p>\n<\/dd>\n<\/div>\n<\/dl>\n<\/div>\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u201cOne of the biggest hurdles I see for non-U.S. citizens is the assumption that you can handle everything online. Most banks\u2019 online account-opening systems aren\u2019t set up to process applications without a Social Security number, so you\u2019ll almost certainly need to visit a branch in person. Plan to bring multiple forms of ID (your passport plus one additional document) and call ahead to confirm what the specific branch accepts.\u201d<\/p>\n<p>\u2014 Hanna Horvath, Managing Editor, Deposits at Bankrate<\/p>\n<\/blockquote>\n<div class=\"Callout flex flex-col gap-y-6 border-4 border-solid border-blue-100 rounded-lg py-8 px-6 md:px-10 mt-8 mb-16\">\n            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"heading-3 my-0 text-crop-none text-blue-700\">\n    What\u2019s new in 2025-2026: Regulatory update on ID requirements<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>\n        In June 2025, the OCC, FDIC, and NCUA jointly issued an order granting an exemption to the Customer Identification Program (CIP) rule. The exemption allows banks to obtain taxpayer identification number information from a third party rather than directly from the customer, provided certain criteria are met. This modernization effort is designed to promote financial inclusion and give banks greater flexibility in how they verify customer identity\u2014which could benefit non-U.S. citizens navigating the account-opening process. Contact your bank to ask whether they\u2019ve adopted this new approach.<\/p>\n<p class=\"SourceLinkList text-gray-700 m-0\">Source:<\/p>\n<p>                    FDIC\n            <\/p>\n<\/p><\/div>\n<h2 id=\"alternatives\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Alternative identification options\" data-outcome=\"\">Alternative identification options<\/h2>\n<p>For a nonresident or noncitizen without a Social Security number, there are several alternative forms of identification that banks may accept. Often, you\u2019ll need to provide one or more of the following:<\/p>\n<ul class=\"wp-block-list\">\n<li>A passport number and country of issuance<\/li>\n<li>An Alien Registration Number<\/li>\n<li>Visa or other U.S. immigration documents<\/li>\n<li>Driver\u2019s license with photo<\/li>\n<li>School ID with photo<\/li>\n<li>U.S. Employment Authorization Card with photo<\/li>\n<\/ul>\n<div class=\"TipBox flex sm:items-center gap-6 sm:gap-7 md:gap-8 mx-2 sm:mx-8 mb-8\">\n    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"TipBox-icon Icon icon-offset-blue-200 text-gray-900 icon-highlight-blue-600 mt-4 sm:-mt-4 md:-mt-1\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Savings Icon<\/title>\n<path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M12 20.985h.183l-.006.015a6.597 6.597 0 0 0 3.96-1.346c.161-.123.317-.252.468-.389A6.81 6.81 0 0 0 19 14.086c0-3.706-2.986-6.728-6.724-6.873a6.191 6.191 0 0 0-1.721.134L9.338 6.263a1.01 1.01 0 0 0-1.074-.182 1.122 1.122 0 0 0-.453.364 1.18 1.18 0 0 0-.223.575L7.4 8.894a6.888 6.888 0 0 0-1.998 2.864h-.86c-.298 0-.541.262-.541.582v3.828c0 .32.585 0 .882 0l1.046 1.36a6.99 6.99 0 0 0 3.162 2.82c.919.435 1.917.65 2.91.637Z\" fill=\"transparent\" class=\"icon-offset\"\/><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M10.63 8.72a5.942 5.942 0 0 0 6.167 5.93 6.597 6.597 0 0 1-2.317 2.927 6.603 6.603 0 0 1-3.956 1.179 6.647 6.647 0 0 1-3.394-.86 6.705 6.705 0 0 1-2.495-2.45.604.604 0 0 0-.525-.304H2.717v-3.6h.875a.605.605 0 0 0 .579-.418A5.927 5.927 0 0 1 6.263 8.21a.616.616 0 0 0 .244-.426l.235-2.267L8.348 6.84c.152.122.357.175.548.122a6.188 6.188 0 0 1 2.053-.16 5.908 5.908 0 0 0-.319 1.917Zm.867-3.084a7.796 7.796 0 0 0-2.617.079L7.51 4.58a1.206 1.206 0 0 0-1.72.19c-.136.168-.22.373-.25.601l-.22 2.032a7.07 7.07 0 0 0-2.154 2.922H2.11a.61.61 0 0 0-.609.608v4.817a.61.61 0 0 0 .609.608h1.658a7.874 7.874 0 0 0 1.885 2.02l-.516 2.073a.606.606 0 0 0 .442.738c.045.016.099.016.144.016v.007c.274 0 .525-.19.594-.464l.418-1.683a7.906 7.906 0 0 0 3.775.907h.205l.008.008a7.815 7.815 0 0 0 3.626-.9l.414 1.66c.076.282.32.465.593.465v-.008c.046 0 .1 0 .145-.015a.606.606 0 0 0 .441-.738l-.512-2.054a7.843 7.843 0 0 0 2.658-3.72.602.602 0 0 0 .03-.222A5.947 5.947 0 0 0 22.5 8.72a5.942 5.942 0 0 0-5.935-5.934 5.938 5.938 0 0 0-5.068 2.85Zm.35 3.084a4.721 4.721 0 0 1 4.718-4.717 4.721 4.721 0 0 1 4.718 4.717 4.721 4.721 0 0 1-4.718 4.718 4.721 4.721 0 0 1-4.717-4.718ZM7.534 11.27a.916.916 0 0 1-.913-.913c0-.502.411-.913.914-.913v.008c.502 0 .912.41.912.913 0 .502-.41.913-.913.913v-.008Zm7.784.206h.64v.289a.61.61 0 0 0 .608.608.61.61 0 0 0 .609-.608v-.29c.843-.03 1.521-.772 1.521-1.681 0-.928-.707-1.682-1.575-1.682h-1.103c-.19 0-.357-.213-.357-.464 0-.25.16-.464.357-.464h.453a.606.606 0 0 0 .19 0h1.16a.61.61 0 0 0 .61-.609.61.61 0 0 0-.61-.608h-.646v-.29a.61.61 0 0 0-.609-.608.61.61 0 0 0-.609.609v.29c-.839.034-1.514.774-1.514 1.68 0 .929.708 1.682 1.575 1.682h1.104c.19 0 .357.213.357.464s-.16.464-.358.464H15.317a.61.61 0 0 0-.608.609.61.61 0 0 0 .608.609Z\" class=\"icon-base\"\/><\/svg>    <\/p>\n<p class=\"w-full mb-0\">\n        <strong class=\"font-bold\"><br \/>\n            Money tip:<br \/>\n        <\/strong><br \/>\n        A passport is always a safe bet as your primary form of ID, whether you\u2019re a resident noncitizen or nonresident. Your second form of ID is more flexible and can usually be your permanent resident card, a recent paystub, or a driver\u2019s license from your home country. Driver\u2019s licenses from some countries may not be accepted, so call ahead and verify before visiting the branch.\n    <\/p>\n<\/div>\n<h2 data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"How to get an ITIN\" data-outcome=\"\">How to get an ITIN<\/h2>\n<p>The IRS provides an Individual Taxpayer Identification Number (ITIN) to people who need a U.S. taxpayer ID but don\u2019t have, or can\u2019t get, a Social Security number from the Social Security Administration. This nine-digit number helps individuals meet their U.S. tax obligations. An ITIN is provided regardless of immigration status, as U.S. tax filing or reporting may be necessary for both residents and nonresidents.<\/p>\n<p>An ITIN does not authorize someone to work in the U.S. and is used solely for federal tax reporting purposes. Getting an ITIN requires completion of Form W-7, which must generally be submitted along with a federal income tax return.<\/p>\n<p>There are three ways to apply:<\/p>\n<h3>Option 1: Apply by mail<\/h3>\n<p>Complete Form W-7 and mail it with your tax return and original (or certified copies of) identity documents to:<\/p>\n<p>Internal Revenue Service ITIN Operation P.O. Box 149342 Austin, TX 78714-9342<\/p>\n<h3>Option 2: Visit an IRS Taxpayer Assistance Center (TAC)<\/h3>\n<p>You can apply in person at a TAC, which is a free service. Staff can authenticate your identity documents and return them to you immediately. Appointments are required and can be scheduled through the IRS website.<\/p>\n<h3>Option 3: Use a Certifying Acceptance Agent (CAA)<\/h3>\n<p>CAAs are individuals or organizations authorized by the IRS to verify your identity documents on its behalf. This option allows you to avoid mailing original documents like your passport. CAAs may charge a fee for their services. Free CAA services are available at select Volunteer Income Tax Assistance (VITA) sites.<\/p>\n<div class=\"Callout flex flex-col gap-y-6 border-4 border-solid border-blue-100 rounded-lg py-8 px-6 md:px-10 mt-8 mb-16\">\n            <!-- htmlmin:ignore --><\/p>\n<h4 class=\"heading-3 my-0 text-crop-none text-blue-700\">\n    Processing time<br \/>\n    <\/h4>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>\n        The IRS typically takes about 7 weeks to process ITIN applications. During peak tax season (January 15 through April 30) or if you\u2019re applying from overseas, it can take 9 to 11 weeks. The IRS recommends submitting your application at least 45 days before you need to file a tax return.<\/p>\n<\/p><\/div>\n<h2 data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Banks and credit unions that accept alternative IDs\" data-outcome=\"\">Banks and credit unions that accept alternative IDs<\/h2>\n<p>At first glance, many bank websites seem to indicate that alternative IDs are not accepted. Though many of the biggest banks list a Social Security number as a requirement on their websites, that may only apply to online account opening. In-branch processes are often more flexible.<\/p>\n<p>Several major banks accept an ITIN instead of a Social Security number when you schedule an in-branch appointment:<\/p>\n<p>Some credit unions also accept alternative IDs. For example, DC Credit Union in Washington offers a SAFE Checking Account specifically designed for non-U.S. citizens. Because the account earns no interest, it doesn\u2019t require a tax ID number\u2014only a foreign ID.<\/p>\n<p>Bank document requirements and identification policies vary. Some community banks, like Integrity Bank &amp; Trust (headquartered in Monument, Colorado), don\u2019t require an SSN or ITIN to open an account at all. \u201cWe require proof of their U.S. address and the application if the individual has applied for an SSN or ITIN. Be prepared to explain the expected account activity,\u201d says Susan Tillotson, retail development specialist at Integrity Bank &amp; Trust.<\/p>\n<div class=\"Callout flex flex-col gap-y-6 border-4 border-solid border-blue-100 rounded-lg py-8 px-6 md:px-10 mt-8 mb-16\">\n            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"heading-3 my-0 text-crop-none text-blue-700\">\n    Bank On accounts: A pathway to inclusion<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore --><\/p>\n<div class=\"Callout-content text-gray-900 text-left wysiwyg m-0\">\n        Another option for non-U.S. citizens to consider is a Bank On account, offered as part of the banking industry\u2019s push to welcome unbanked customers. Bank On accounts typically feature low fees, no overdraft fees, and low or no minimum balance requirements. One of the standards Bank On lists as \u201cstrongly recommended\u201d is that participating banks and credit unions accept alternative forms of ID.<\/p><\/div>\n<\/p><\/div>\n<h3><strong>Digital and fintech alternatives<\/strong><\/h3>\n<p>If you\u2019re having difficulty opening a traditional bank account, several fintech companies offer accounts that may be easier to access for non-U.S. citizens. Services like Wise (formerly TransferWise) and Revolut offer multi-currency accounts that can be opened with a passport and don\u2019t require an SSN. However, these accounts may not carry FDIC insurance, which is an important consideration when deciding where to keep your money.<\/p>\n<p>Regardless of which type of account you choose, it\u2019s important to compare fees and minimum balance requirements. Read Bankrate\u2019s guide to avoiding bank fees to make sure you aren\u2019t paying too much to stash and manage your cash.<\/p>\n<h2 id=\"benefits\" data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"The benefits of opening a bank account\" data-outcome=\"\">The benefits of opening a bank account<\/h2>\n<p>Filling out forms, going to an agent\u2019s office and waiting for nearly two months may sound like a hassle, but the benefits of a bank account outweigh those troubles.<\/p>\n<p>Some ways that bank accounts help consumers manage their money include:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Lower fees<\/strong>: Without a checking account, cashing checks has to be done through check-cashing services or prepaid debit cards, which often charge high fees.<\/li>\n<li>\n<strong>Extra protection<\/strong>: Storing money in a bank account is much safer than keeping it in a drawer. If a bank is insured by the Federal Deposit Insurance Corp., or a credit union is insured by the National Credit Union Administration (NCUA), that means they offer federal deposit insurance up to $250,000 per depositor, per insured bank, per ownership category.<\/li>\n<li>\n<strong>Access to direct deposit<\/strong>: A checking account provides a convenient way to receive payments.<\/li>\n<li>\n<strong>Saving for the future<\/strong>: With a high-yield savings account, consumers can practice good habits for building up their wealth over time and staying prepared for emergencies. Some savings accounts allow for six withdrawals each month under Regulation D (in April 2020, the Federal Reserve removed the limit to provide consumers increased access to funds, but many banks today still enforce Reg D).<\/li>\n<li>\n<strong>Credit-building opportunities<\/strong>: Establishing a good banking history can provide a gateway to larger life goals such as buying a car or owning a home.<\/li>\n<\/ul>\n<h2 data-position=\"6\" data-beam-element-viewed=\"\" data-id=\"br-h2-6-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Bottom line\" data-outcome=\"\">Bottom line<\/h2>\n<p>The banking industry\u2019s traditional identification requirements may seem like a barrier to non-U.S. citizens when trying to open a bank account, but numerous banks and credit unions accept alternative forms of ID to make it easier. Though obtaining an ITIN does mean some extra work, the ability to open a checking account and savings account \u2014 and in some cases, apply for a home loan \u2014 can make a meaningful difference in achieving financial security.<\/p>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"WQNufNEkTx\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. It takes less than a minute to<br \/>\n                            complete.\n                        <\/p>\n<p>Your responses are anonymous and will only be used for improving our website.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Help us improve our content<\/p>\n<div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Thumbs Up Icon<\/title><path d=\"M13.165 2.175c.322 0 .57.022.774.065.796.161 1.43.624 1.85 1.345.71 1.216.722 3.067.023 5.499h.516c2.28 0 3.422 0 4.337.548a3.844 3.844 0 0 1 1.721 2.25c.29 1.032 0 2.13-.592 4.336l-.516 1.926c-.312 1.151-.484 1.786-.882 2.324a3.368 3.368 0 0 1-1.442 1.098c-.625.247-1.28.248-2.475.248l-.021.01h-4.595c-.42 0-.636 0-.84-.032a4.19 4.19 0 0 1-.635-.15c-.204-.065-.387-.162-.763-.355l-1.69-.856c-.014.034-.026.069-.043.102a2.334 2.334 0 0 1-1.044 1.044c-.495.247-1.012.248-1.948.248h-.161c-.936 0-1.453 0-1.947-.248a2.333 2.333 0 0 1-1.044-1.044C1.5 20.038 1.5 19.52 1.5 18.585v-7.683c0-.936 0-1.452.248-1.947A2.387 2.387 0 0 1 2.792 7.91c.494-.248 1.01-.247 1.947-.247h.16c.937 0 1.454 0 1.95.247.353.177.653.44.875.763.64-.606 1.788-2.184 3.31-5.142.183-.366.312-.603.538-.819.193-.193.462-.355.72-.441.302-.097.539-.097.873-.097ZM4.739 9.288c-.624 0-1.076 0-1.227.076a.721.721 0 0 0-.323.322c-.075.15-.075.603-.075 1.216v7.683c0 .624 0 1.076.075 1.227.065.14.183.248.323.323.151.075.603.075 1.227.075h.16c.625 0 1.078 0 1.228-.075a.722.722 0 0 0 .323-.323c.075-.15.075-.603.075-1.227v-7.683c0-.624 0-1.065-.075-1.227a.672.672 0 0 0-.323-.322c-.15-.075-.603-.076-1.227-.076h-.161v.01ZM13.057 3.8c-.14 0-.226 0-.259.011-.032 0-.086.043-.107.064a2.98 2.98 0 0 0-.226.399c-2.187 4.272-3.53 5.647-4.33 6.092.003.162.004.34.004.536v7.82l2.217 1.122c.28.14.42.216.56.27.107.032.214.064.332.075.151.021.314.021.626.021h4.594c1.022 0 1.539 0 1.862-.129a1.84 1.84 0 0 0 .763-.58c.215-.28.355-.808.613-1.765l.517-1.927c.495-1.85.775-2.873.603-3.475a2.309 2.309 0 0 0-1-1.313c-.538-.323-1.594-.323-3.51-.323h-1.129c-.226 0-.473 0-.72-.15a1.087 1.087 0 0 1-.464-.614c-.075-.301 0-.528.076-.754.957-2.97.603-4.26.301-4.777-.183-.312-.44-.506-.774-.57-.14-.033-.377-.033-.549-.033Z\" class=\"icon-base\"\/><\/svg><\/span> <span class=\"text-base leading-4\">Yes<\/span><br \/>\n            <\/button><br \/>\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--no border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-no=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-no\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"No\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Thumbs Down Icon<\/title><path d=\"M19.26 2.175c.936 0 1.454 0 1.949.247.452.226.818.592 1.044 1.043.247.495.248 1.012.248 1.948v7.678c0 .936 0 1.453-.248 1.948a2.333 2.333 0 0 1-1.044 1.042c-.495.248-1.013.248-1.95.248h-.16c-.937 0-1.454 0-1.95-.248a2.33 2.33 0 0 1-.885-.777c-.637.596-1.79 2.176-3.314 5.155-.183.365-.312.602-.538.828a1.924 1.924 0 0 1-.722.441c-.258.086-.484.097-.742.097l.022-.011a5.39 5.39 0 0 1-.905-.064 2.741 2.741 0 0 1-1.852-1.345c-.71-1.216-.721-3.066-.022-5.496h-.516c-2.283 0-3.424 0-4.34-.548a3.843 3.843 0 0 1-1.722-2.248c-.29-1.033 0-2.13.593-4.324l.517-1.925c.312-1.162.484-1.786.882-2.323.377-.495.872-.871 1.443-1.097.624-.248 1.281-.248 2.476-.248h4.597c.42 0 .635 0 .84.032.215.032.431.086.636.15.193.065.387.162.753.345l1.702.864c.017-.04.033-.082.053-.122a2.333 2.333 0 0 1 1.044-1.043c.496-.247 1.013-.247 1.95-.247h.16ZM7.503 3.798c-1.022 0-1.54 0-1.862.13-.302.118-.56.322-.765.58-.215.28-.345.775-.614 1.753l-.517 1.926c-.495 1.85-.775 2.871-.602 3.474a2.308 2.308 0 0 0 1 1.312c.539.323 1.594.322 3.51.322h1.142c.236 0 .473 0 .72.15.227.14.388.367.453.625.075.28 0 .516-.075.742-.959 2.969-.603 4.27-.301 4.775.183.312.44.506.774.57.162.033.41.033.572.033.128 0 .203 0 .236-.01.021 0 .085-.044.107-.065.032-.032.14-.237.227-.399 2.208-4.308 3.556-5.671 4.352-6.102a39.945 39.945 0 0 1-.003-.523v-7.79L13.63 4.175c-.28-.14-.41-.215-.56-.27a1.796 1.796 0 0 0-.344-.085c-.151-.022-.313-.01-.625-.022H7.503Zm11.596.001c-.625 0-1.077 0-1.228.076a.72.72 0 0 0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a href=\"https:\/\/www.bankrate.com\/banking\/non-us-citizens-bank-accounts\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways Non-U.S. citizens can open bank accounts in the United States, but the process typically requires visiting a branch in person and providing extra documentation such as a passport and an Individual Taxpayer Identification Number (ITIN). Many major banks \u2014 including Bank of America, Chase, Citibank, and PNC \u2014 accept an ITIN in place<\/p>\n","protected":false},"author":1,"featured_media":23512,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-23511","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Non-US Citizens Can Open A Bank Account | BudgetADirect<\/title>\n<meta name=\"description\" content=\"Key takeaways Non-U.S. citizens can open bank accounts in the United States, but the process typically requires visiting a branch in person and providing\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/budgetadirect.com\/?p=23511\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Non-US Citizens Can Open A Bank Account | BudgetADirect\" \/>\n<meta property=\"og:description\" content=\"Key takeaways Non-U.S. citizens can open bank accounts in the United States, but the process typically requires visiting a branch in person and providing\" \/>\n<meta property=\"og:url\" content=\"https:\/\/budgetadirect.com\/?p=23511\" \/>\n<meta property=\"og:site_name\" content=\"BudgetADirect\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-04T20:18:01+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-04T20:18:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2026\/03\/non-us-citizen-bank-account.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1243\" \/>\n\t<meta property=\"og:image:height\" content=\"699\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"News Room\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"News Room\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/budgetadirect.com\/?p=23511#article\",\"isPartOf\":{\"@id\":\"https:\/\/budgetadirect.com\/?p=23511\"},\"author\":{\"name\":\"News Room\",\"@id\":\"https:\/\/budgetadirect.com\/#\/schema\/person\/60f83002f7bcaf7b883198f8da222a50\"},\"headline\":\"How Non-US Citizens Can Open A Bank Account\",\"datePublished\":\"2026-03-04T20:18:01+00:00\",\"dateModified\":\"2026-03-04T20:18:03+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/budgetadirect.com\/?p=23511\"},\"wordCount\":1838,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/budgetadirect.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/budgetadirect.com\/?p=23511#primaryimage\"},\"thumbnailUrl\":\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2026\/03\/non-us-citizen-bank-account.jpg\",\"articleSection\":[\"Homes\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/budgetadirect.com\/?p=23511#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/budgetadirect.com\/?p=23511\",\"url\":\"https:\/\/budgetadirect.com\/?p=23511\",\"name\":\"How Non-US Citizens Can Open A Bank Account | BudgetADirect\",\"isPartOf\":{\"@id\":\"https:\/\/budgetadirect.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/budgetadirect.com\/?p=23511#primaryimage\"},\"image\":{\"@id\":\"https:\/\/budgetadirect.com\/?p=23511#primaryimage\"},\"thumbnailUrl\":\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2026\/03\/non-us-citizen-bank-account.jpg\",\"datePublished\":\"2026-03-04T20:18:01+00:00\",\"dateModified\":\"2026-03-04T20:18:03+00:00\",\"description\":\"Key takeaways Non-U.S. citizens can open bank accounts in the United States, but the process typically requires visiting a branch in person and providing\",\"breadcrumb\":{\"@id\":\"https:\/\/budgetadirect.com\/?p=23511#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/budgetadirect.com\/?p=23511\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/budgetadirect.com\/?p=23511#primaryimage\",\"url\":\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2026\/03\/non-us-citizen-bank-account.jpg\",\"contentUrl\":\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2026\/03\/non-us-citizen-bank-account.jpg\",\"width\":1243,\"height\":699},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/budgetadirect.com\/?p=23511#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/budgetadirect.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How Non-US Citizens Can Open A Bank Account\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/budgetadirect.com\/#website\",\"url\":\"https:\/\/budgetadirect.com\/\",\"name\":\"BudgetADirect\",\"description\":\"Latest Personal Finance News and Updates\",\"publisher\":{\"@id\":\"https:\/\/budgetadirect.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/budgetadirect.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/budgetadirect.com\/#organization\",\"name\":\"BudgetADirect\",\"url\":\"https:\/\/budgetadirect.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/budgetadirect.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2024\/03\/d-icon.png\",\"contentUrl\":\"https:\/\/budgetadirect.com\/wp-content\/uploads\/2024\/03\/d-icon.png\",\"width\":512,\"height\":512,\"caption\":\"BudgetADirect\"},\"image\":{\"@id\":\"https:\/\/budgetadirect.com\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/budgetadirect.com\/#\/schema\/person\/60f83002f7bcaf7b883198f8da222a50\",\"name\":\"News Room\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/budgetadirect.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/1afc2a88d343f74495db9a6a6ab9121bdc256a1100a11173bc6d587e4613fb13?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/1afc2a88d343f74495db9a6a6ab9121bdc256a1100a11173bc6d587e4613fb13?s=96&d=mm&r=g\",\"caption\":\"News Room\"},\"sameAs\":[\"https:\/\/budgetadirect.com\"],\"url\":\"https:\/\/budgetadirect.com\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How Non-US Citizens Can Open A Bank Account | BudgetADirect","description":"Key takeaways Non-U.S. citizens can open bank accounts in the United States, but the process typically requires visiting a branch in person and providing","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/budgetadirect.com\/?p=23511","og_locale":"en_US","og_type":"article","og_title":"How Non-US Citizens Can Open A Bank Account | BudgetADirect","og_description":"Key takeaways Non-U.S. citizens can open bank accounts in the United States, but the process typically requires visiting a branch in person and providing","og_url":"https:\/\/budgetadirect.com\/?p=23511","og_site_name":"BudgetADirect","article_published_time":"2026-03-04T20:18:01+00:00","article_modified_time":"2026-03-04T20:18:03+00:00","og_image":[{"width":1243,"height":699,"url":"https:\/\/budgetadirect.com\/wp-content\/uploads\/2026\/03\/non-us-citizen-bank-account.jpg","type":"image\/jpeg"}],"author":"News Room","twitter_card":"summary_large_image","twitter_misc":{"Written by":"News Room","Est. reading time":"9 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/budgetadirect.com\/?p=23511#article","isPartOf":{"@id":"https:\/\/budgetadirect.com\/?p=23511"},"author":{"name":"News Room","@id":"https:\/\/budgetadirect.com\/#\/schema\/person\/60f83002f7bcaf7b883198f8da222a50"},"headline":"How Non-US Citizens Can Open A Bank Account","datePublished":"2026-03-04T20:18:01+00:00","dateModified":"2026-03-04T20:18:03+00:00","mainEntityOfPage":{"@id":"https:\/\/budgetadirect.com\/?p=23511"},"wordCount":1838,"commentCount":0,"publisher":{"@id":"https:\/\/budgetadirect.com\/#organization"},"image":{"@id":"https:\/\/budgetadirect.com\/?p=23511#primaryimage"},"thumbnailUrl":"https:\/\/budgetadirect.com\/wp-content\/uploads\/2026\/03\/non-us-citizen-bank-account.jpg","articleSection":["Homes"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/budgetadirect.com\/?p=23511#respond"]}]},{"@type":"WebPage","@id":"https:\/\/budgetadirect.com\/?p=23511","url":"https:\/\/budgetadirect.com\/?p=23511","name":"How Non-US Citizens Can Open A Bank Account | BudgetADirect","isPartOf":{"@id":"https:\/\/budgetadirect.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/budgetadirect.com\/?p=23511#primaryimage"},"image":{"@id":"https:\/\/budgetadirect.com\/?p=23511#primaryimage"},"thumbnailUrl":"https:\/\/budgetadirect.com\/wp-content\/uploads\/2026\/03\/non-us-citizen-bank-account.jpg","datePublished":"2026-03-04T20:18:01+00:00","dateModified":"2026-03-04T20:18:03+00:00","description":"Key takeaways Non-U.S. citizens can open bank accounts in the United States, but the process typically requires visiting a branch in person and providing","breadcrumb":{"@id":"https:\/\/budgetadirect.com\/?p=23511#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/budgetadirect.com\/?p=23511"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/budgetadirect.com\/?p=23511#primaryimage","url":"https:\/\/budgetadirect.com\/wp-content\/uploads\/2026\/03\/non-us-citizen-bank-account.jpg","contentUrl":"https:\/\/budgetadirect.com\/wp-content\/uploads\/2026\/03\/non-us-citizen-bank-account.jpg","width":1243,"height":699},{"@type":"BreadcrumbList","@id":"https:\/\/budgetadirect.com\/?p=23511#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/budgetadirect.com\/"},{"@type":"ListItem","position":2,"name":"How Non-US Citizens Can Open A Bank Account"}]},{"@type":"WebSite","@id":"https:\/\/budgetadirect.com\/#website","url":"https:\/\/budgetadirect.com\/","name":"BudgetADirect","description":"Latest Personal Finance News and Updates","publisher":{"@id":"https:\/\/budgetadirect.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/budgetadirect.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/budgetadirect.com\/#organization","name":"BudgetADirect","url":"https:\/\/budgetadirect.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/budgetadirect.com\/#\/schema\/logo\/image\/","url":"https:\/\/budgetadirect.com\/wp-content\/uploads\/2024\/03\/d-icon.png","contentUrl":"https:\/\/budgetadirect.com\/wp-content\/uploads\/2024\/03\/d-icon.png","width":512,"height":512,"caption":"BudgetADirect"},"image":{"@id":"https:\/\/budgetadirect.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/budgetadirect.com\/#\/schema\/person\/60f83002f7bcaf7b883198f8da222a50","name":"News Room","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/budgetadirect.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/1afc2a88d343f74495db9a6a6ab9121bdc256a1100a11173bc6d587e4613fb13?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/1afc2a88d343f74495db9a6a6ab9121bdc256a1100a11173bc6d587e4613fb13?s=96&d=mm&r=g","caption":"News Room"},"sameAs":["https:\/\/budgetadirect.com"],"url":"https:\/\/budgetadirect.com\/?author=1"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/budgetadirect.com\/index.php?rest_route=\/wp\/v2\/posts\/23511","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/budgetadirect.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/budgetadirect.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/budgetadirect.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/budgetadirect.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=23511"}],"version-history":[{"count":1,"href":"https:\/\/budgetadirect.com\/index.php?rest_route=\/wp\/v2\/posts\/23511\/revisions"}],"predecessor-version":[{"id":23513,"href":"https:\/\/budgetadirect.com\/index.php?rest_route=\/wp\/v2\/posts\/23511\/revisions\/23513"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/budgetadirect.com\/index.php?rest_route=\/wp\/v2\/media\/23512"}],"wp:attachment":[{"href":"https:\/\/budgetadirect.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=23511"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/budgetadirect.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=23511"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/budgetadirect.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=23511"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}