How to Open a U.S. Bank Account as a Non-Resident

Opening a U.S. bank account as a foreign national or temporary visitor is possible but not always straightforward. Banks in the United States follow strict identity-verification and anti-money-laundering rules, so requirements can vary from bank to bank and even branch to branch.

This guide explains how non-residents (including B-1/B-2 visa holders) can open a U.S. bank account, what documents are required, and whether an ITIN can help.

Can a Non-Resident Open a U.S. Bank Account?

Yes, non-U.S. residents can open a U.S. bank account. However:

  • Requirements vary by bank
  • Some accounts require SSN or ITIN
  • Many banks require a U.S. mailing address
  • In-person visit is often required for tourists/visitors

Opening an account is easier if you are in the U.S. physically. Remote account opening without U.S. residency is usually limited to fintech solutions or international-friendly banks.

Who Commonly Opens U.S. Bank Accounts as Foreigners?

  • Tourists & business travelers (B-1/B-2 visa)
  • International students (F-1 visa)
  • Work visa holders (H-1B, L-1, etc.)
  • Investors & entrepreneurs
  • Remote workers working with U.S. companies
  • Foreign business owners receiving U.S. payments

📌 What Banks Usually Require

Requirement Notes
Passport Mandatory for identity
Second Government ID Driver’s license or national ID often needed
U.S. Mailing Address For statements & compliance
U.S. Phone Number Many banks request it
Proof of Address Lease / utility bill / mobile bill, etc.
SSN/ITIN (not always) Some banks allow ITIN or foreign TIN
Initial Deposit Varies by bank

Visiting a branch in-person improves approval chances.

⚠️ U.S. Address Requirement Explained

Most banks require a U.S. mailing address (not necessarily permanent residency).
Accepted forms often include:

  • Utility bill
  • Mobile phone bill
  • Lease agreement
  • Bank statement
  • Friend/relative address (if permitted by branch)

📱 About U.S. Mobile SIM as Address Proof

Some visitors use a U.S. post-paid SIM because the monthly bill shows:

  • Name
  • U.S. address

 

This can sometimes serve as proof of address — but approval varies by bank and branch.
It is not a guaranteed method, but a valid mailing address with proof is acceptable where allowed.

🧾 Can an ITIN Help?

Yes — an ITIN can help, especially if:

  • The bank requires a taxpayer ID for interest-earning accounts
  • You do not have an SSN
  • You want long-term banking access and financial credibility

 

However:

  • An ITIN does not guarantee account approval
  • Other documents and address verification still matter

🏦 Banks Known to Work With Non-Residents

(Not guaranteed; varies by branch)

Bank Notes
Bank of America Foreign-friendly, often accepts ITIN
Chase May accept ITIN for non-residents
Wells Fargo Some branches open accounts for visitors
Citibank International-banking friendly
HSBC USA Designed for global clients
TD Bank (East Coast) Known to open accounts for foreigners

Calling branches beforehand saves time.

🪪 Types of Accounts Non-Residents Can Open

Account Type Purpose
Checking Account Everyday use, debit card, payments
Savings Account Higher balances, interest-earning
Business Bank Account For LLC owners (often easier with ITIN/EIN)

🚨 Common Reasons Banks Reject Non-Residents

  • No U.S. mailing address
  • No second ID
  • No U.S. phone number
  • Very short-term stay (tourist risk factor)
  • No ITIN (for banks requiring it)
  • Inconsistent information on application

🧠 Tips to Improve Approval Chances

  • Visit major bank branches in major cities
  • Bring original documents (passport, ID, visa)
  • Have a U.S. contact/address you can receive mail at
  • Use a U.S. SIM and mailing address
  • Ask banks in advance which documents they need
  • If denied, try another branch — policies vary

🧳 Checklist Before Visiting the Bank

Item ✅ Ready?
Passport ✔️
Visa & entry stamp ✔️
Second ID ✔️
U.S. mailing address ✔️
Proof of address ✔️
U.S. phone number ✔️
ITIN (optional but useful) ✔️
Cash or card for initial deposit ✔️

📈 Alternative Options for Non-Residents

If traditional banks decline, consider:

  • Wise (U.S. banking details for foreigners)
  • Payoneer (U.S. receiving account)
  • Mercury (for business accounts, requires LLC/EIN)
  • Relay (business bank)
  • US fintech platforms (depending on eligibility)

🎯 Conclusion

Opening a U.S. bank account as a non-resident — including on a B-1/B-2 visa — is possible but not guaranteed. Requirements depend on the bank branch, your documents, and how clearly you can verify your identity and mailing address.

An ITIN improves your chances, but is not strictly required everywhere.

Be prepared, stay transparent, and visit multiple branches if needed.