Opening a Bank Account in the USA for Non-Citizens

Globally, many individuals wish to open bank accounts in the USA, despite being non-citizens. Several U.S.-based banks offer this service, provided you meet certain requirements and comply with the conditions set by these institutions.

Popular Banks for Non-Citizens

A range of U.S. banks welcomes non-residents, including:

Bank of America: They offer accounts to non-residents with a valid passport and proof of address. Chase Bank: They allow non-citizens to open accounts. However, a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) might be required. Wells Fargo: This bank accepts non-U.S. citizens, requiring identification such as a passport and possibly an ITIN. Citibank: Non-residents can open accounts if they do have the necessary identification. HSBC: Known for its international banking services, HSBC allows non-citizens to open accounts, especially those with connections to their global branches. PNC Bank: Non-residents can open accounts with the appropriate identification.

Common Requirements for Non-Residents

The necessary documentation and requirements for opening a bank account as a non-U.S. citizen usually include:

A valid passport. A secondary form of identification, such as a driver's license or national ID. Proof of address, such as a utility bill or lease agreement. An ITIN or SSN may be required by some banks.

Besides the requirements, it's important to be aware of account maintenance fees and minimum balance requirements.

Account Types and Services

You should consider the type of account suitable for your needs, such as checking or savings accounts, and evaluate the international services provided, including wire transfers and currency exchange.

For specific details, it is best to contact the banks directly or visit their websites for the most current information and find out specific policies.

Partner Banks for Non-Resident Services

RTRSupports Limited has partnerships with numerous reputable U.S. banks. To get a U.S. bank account as a non-resident, you should contact the RTR team from their website.

For a more personalized recommendation, TD Bank is often advised. They require the following:

Bring two forms of identification: A valid non-U.S. Passport or Visa with photo. The second form of identification (from the list below): Employment ID with photo and signature. State-issued ID or driver's license with signature. Foreign driver's license with photo. US Employment Authorization card with photo, signature, and expiration date. College ID with photo.

The process can vary by bank, so for the most accurate information and ease of use, TD Bank may be a good choice.