How to Open a Bank Account in the USA Without SSN

# Opening a Bank Account Without SSN Many new immigrants worry they can't open a bank account without a Social Security Number. The good news: most major banks accept an ITIN (Individual Taxpayer Identification Number) or even just a passport. ## Banks That Accept ITIN or Passport Only - Bank of America - Chase (varies by branch) - Citibank - Wells Fargo - Many credit unions ## What You Need 1. Valid passport 2. Secondary ID (foreign driver's license, consular ID) 3. Proof of US address (utility bill, lease agreement) 4. ITIN (recommended but not always required) ## How to Get an ITIN File Form W-7 with the IRS. Processing takes 6-8 weeks. You can apply at IRS Taxpayer Assistance Centers or through Certified Acceptance Agents. ## Tips - Start with a checking account, then add savings - Online banks (like Mercury or Relay) may have different requirements - Some banks offer bilingual services — ask for a Russian-speaking representative