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For: new students, immigrants, visiting parents · Last reviewed 2026-10-30

How to open a US bank account without an SSN

Each bank’s rules differ. Compiled from the CFPB checklist; call first.

  1. What number to use

    • SSN, ITIN, passport number + country, or other government ID number;
    • Without SSN/ITIN you may only get non-interest accounts.
    Official sources: CFPB: Opening a bank account checklist; SSA 05-10096
    Last reviewed 2026-10-30

  2. Documents and opening deposit

    • Photo ID;
    • Second proof (bill, birth certificate, etc.);
    • Often $25–$100 to open.
    Official sources: CFPB: Opening a bank account checklist
    Last reviewed 2026-10-30

  3. Ask about fees

    • Minimum balance to waive monthly fee;
    • ATM, overdraft, online bill-pay fees.
    Official sources: CFPB: Opening a bank account checklist
    Last reviewed 2026-10-30

  4. Confirm FDIC insurance

    • Covered deposits typically ≥ $250,000 per insured bank;
    • Use FDIC BankFind.
    Official sources: FDIC: Deposit Insurance
    Last reviewed 2026-10-30

  5. Later: ITIN

    • For federal tax filing without an SSN;
    • Does not authorize work.
    Official sources: IRS: ITIN
    Last reviewed 2026-10-30

FAQFrequently asked questions

QReally possible without an SSN?

Yes, but call the bank first.

QIs my money safe?

At FDIC-insured banks, covered deposits are insured.

QDoes ITIN let me work?

No.

The answers above summarize publicly available official information. They are not legal, immigration or tax advice for any individual case; follow the official sources linked on this page.