Newcomer checking accounts: ITIN or no SSN?

Trade-off / confirm: Requires an eligible existing Amex relationship; the FAQ specifies at least five days for qualifying basic consumer card, savings or CD customers. Other eligibility conditions apply. Applicants must be at least 18, a U.S. citizen or resident alien, have a valid SSN or ITIN and a U.S. residential address. An eligible existing U.S. Amex consumer card (including an additional card), Amex high-yield savings account or CD is also required. A visa alone does not establish resident-alien eligibility; confirm your situation with Amex before applying. Requires a qualifying home address in the U.S. or the territories/APO/FPO/DPO listed in the deposit agreement; not an account for applicants residing abroad. No narrower state exclusion identified in the reviewed terms.

Trade-off / confirm: A $100 opening deposit is required. Advantage Plus permits sole ownership from age 18; younger applicants need an adult co-owner, and opening with someone under 13 requires a financial-center appointment. Bank of America directs international students opening Advantage Banking to a financial center. Its international-professional guidance lists two unexpired IDs and a tax ID if applicable, with an SSN not required for that branch route. Nonresident aliens need a foreign physical address and U.S. mailing address; resident aliens need a U.S. physical address. Confirm the applicable documents and product eligibility with the financial center before applying. Reviewed disclosures list no state exclusions; the fee schedule applies in all states. Confirm local branch availability and applicant-specific opening requirements.

Trade-off / confirm: A $25 opening deposit is required. Standard Advantage SafeBalance permits sole ownership from age 16; younger applicants need an adult co-owner, and opening with someone under 13 requires a financial-center appointment. International students opening Advantage Banking are directed to a financial center. Bank of America lists two unexpired IDs and a tax ID if applicable, with an SSN not required for its international-professional branch route. Nonresident aliens need a foreign physical address and U.S. mailing address; resident aliens need a U.S. physical address. Confirm your applicable documents and product eligibility at the appointment. Reviewed disclosures list no state exclusions; the fee schedule covers all states. Branch availability and opening requirements vary by location and applicant.

Trade-off / confirm: $25 minimum opening deposit. Online Smart Advantage applicants need a U.S. residential address, date of birth, contact details, an SSN or ITIN, and U.S. citizenship or U.S. resident-alien status. BMO directs applicants who do not meet the online citizenship or residency criteria to a financial center or 1-888-340-2265; confirm the documents needed for your status before applying.

Trade-off / confirm: $5 monthly unless the under-25 waiver applies. Online Smart Money applicants need a U.S. residential address, date of birth, contact details, an SSN or ITIN, and U.S. citizenship or U.S. resident-alien status. BMO directs applicants outside the online citizenship or residency criteria to a financial center or 1-888-340-2265. Confirm the documents needed for your status before applying.

Trade-off / confirm: Available only to U.S. citizens or lawful permanent residents; temporary visa status alone does not qualify. Applicants must be 18 or older, U.S. citizens or lawful permanent residents, with a physical address in the 50 U.S. states or Washington, D.C., or an APO/FPO military address. A valid SSN or ITIN, U.S.-based mobile number, email, electronic-delivery consent and linked account at a U.S.-chartered bank are required. Temporary visa status alone does not meet the stated eligibility requirement. Opening is subject to verification; confirm the required funding deadline with Capital One. Qualifying physical addresses are in the 50 U.S. states or Washington, D.C.; APO/FPO military addresses are also accepted. Full-service branches and cafés offer different services and are not available everywhere.

Trade-off / confirm: $4.95 monthly unless a waiver condition is met. Applicants age 17 must open at a branch; accounts are subject to approval and identity verification. Chase accepts primary and secondary identification for non-U.S. citizens, including passports and eligible student immigration documents. Non-permanent residents generally need a U.S. address on a primary or secondary ID. Confirm the tax-ID, age and document requirements for this specific account with a banker; an ITIN-only application route is not confirmed here. No product-specific state exclusion list was identified in the current official disclosures. Verify opening availability and local branch access for the applicant’s address; this does not establish universal online-opening or territory eligibility.

Trade-off / confirm: $15 monthly unless a waiver condition is met. Opening is subject to Chase approval and identity verification. Non-U.S. citizens should bring original primary and secondary IDs to a branch; accepted options include passports and eligible student immigration documents. Non-permanent residents generally need a U.S. address on a primary or secondary ID. Confirm the tax-ID, age and co-owner requirements for Total Checking with a banker. Product-specific ITIN-only eligibility is not confirmed here. No product-specific state exclusion list was identified in the current official disclosures. This does not establish universal online-opening eligibility or local branch access; verify availability for the applicant’s residential address.

Trade-off / confirm: A valid SSN and accepted unexpired ID are required. Applicants must be at least 18, be U.S. citizens or legal residents, and have a valid SSN, U.S. mobile number and USPS-recognized residential mailing address. Chime requires accepted, unexpired identification; its list includes U.S. government IDs, permanent resident cards and Employment Authorization cards. A foreign passport alone is not listed. Accounts are individual, and identity approval is required.

Trade-off / confirm: $5 monthly unless a waiver condition is met. Citi Access Checking can be applied for through a branch, Citi Online or the Citi Mobile App. Account opening is subject to Citi identity and residency verification. Confirm online citizenship or resident-alien conditions, minimum age, and the accepted SSN, ITIN or other tax-document route for your status before applying; a universal passport-only route is not confirmed here.

Trade-off / confirm: Deposit/transaction waiver threshold increases from $250 to $1,000 on January 1, 2027; Relationship Tier waivers are unaffected. Regular Checking supports applications through a branch, Citi Online, Citi Mobile or eligible telephone banking. Opening is subject to identity and residency verification. Confirm the accepted tax ID, documents and online citizenship or resident-alien requirements for your status with Citi; ITIN-only or passport-only eligibility is not established by the account agreement reviewed here.

Trade-off / confirm: Fixed $5 monthly maintenance fee; no waiver. Identity verification and account approval apply. Contact a branch about noncitizen documentation; no universal no-SSN route is confirmed. Citizens checking availability: CT, DC, DE, FL, MD, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA.

Trade-off / confirm: At least one owner must be under 25 at opening. At least one owner must be under 25 at opening. Individual online applicants must be 18 or older and U.S. citizens or resident aliens; applicants outside that route should contact a branch. Applicants age 14–16 need an adult parent or guardian as a joint owner. Confirm noncitizen identity and tax documents with the branch before applying. CT, DC, DE, FL, MD, MA, MI, NH, NJ, NY, OH, PA, RI, VT, VA

Trade-off / confirm: A valid SSN is required; an ITIN-only route is not documented. The Choice account agreement permits U.S. citizens, legal U.S. residents and lawfully admitted nonresident aliens who are at least 18 or the age of majority in their jurisdiction. A valid SSN, physical U.S. address, email and identity verification are required. This is an individual personal account; Current is a fintech and banking is provided by partner banks.

Trade-off / confirm: An SSN or ITIN and verified U.S. residence are required for membership. DCU membership is required. The account agreement requires U.S. residence, U.S. citizenship or legal-resident status, a valid tax ID and membership eligibility through an accepted employer, family, community or organization route. Membership applicants must provide an SSN or ITIN, U.S. residential address and acceptable photo/address identification. A $5 Primary Savings share must be opened and maintained separately from Free Checking; an organization donation may apply to your membership route.

Trade-off / confirm: Requires Experian membership, identity verification and U.S. state/DC residence; age 18+. Account-opening SSN/ITIN requirements remain unconfirmed. U.S. state/DC residents age 18+; free Experian membership and identity verification required. Confirm account-opening tax-ID requirements; Experian Boost requires SSN. Banking services provided by CFSB. U.S. states and District of Columbia.

Trade-off / confirm: Credit union membership and approval are required; a separate $5 Membership Savings opening balance may apply. First Tech membership is required and subject to approval. Confirm your membership route, tax-ID requirements, residency and accepted visa/identity documents directly with First Tech before applying. Any employer relocation support depends on the applicable partner program. Rewards Checking and Rewards Savings are separate products with different opening deposits and qualification terms.

Trade-off / confirm: $50 monthly after the initial waiver period unless U.S. qualification conditions are met. Sole online applicants must be 18+, currently in a supported country (including India), and have an SSN or be able to complete a valid tax certificate. Non-U.S. citizens may apply if eligible. HSBC may require personal, employment, income and tax details, a passport valid at least six months, proof of permanent address, and student enrollment evidence. Joint accounts require assistance. International permanent addresses are supported; approval and Premier relationship requirements apply. Source: https://www.us.hsbc.com/account-opening/frequently-asked-questions/

Trade-off / confirm: Base does not include a Visa debit card. A U.S. address, phone number and accepted government-issued ID are needed. MAJORITY offers a route without an SSN. This listing covers Base; upgrade requirements and Plus charges are separate. Reviewed 2026-10-12. Official source: https://majority.com/en/community/article/step-by-step-guide-to-opening-a-majority-account

Trade-off / confirm: $6.99 every 30 days; this is not a calendar-month billing cycle. Apply in the MAJORITY app with legal name, date of birth, current U.S. residential address, an accepted photo ID and a selfie. If you have no SSN, choose the no-SSN route. This listing is Plus; banking services are provided through Axiom Bank. Identity verification and account approval apply. Sources: https://majority.com/en/community/article/step-by-step-guide-to-opening-a-majority-account ; https://majority.com/en/help/article/what-are-the-base-and-plus-plans-in-your-majority-account-and-what-do-they-include

Trade-off / confirm: $9.99 monthly unless at least one deposit posts before the statement period ends. One Deposit Checking is subject to Citizens identity, address, service-state availability and approval requirements. Confirm the required tax ID and documents for your immigration status directly with a branch; a universal no-SSN route is not established here. Citizens personal checking is offered in CT, DC, DE, FL, MD, MA, MI, NH, NJ, NY, OH, PA, RI, VT and VA.

Trade-off / confirm: Minimum opening deposit is $25 in branch; online opening has a $0 minimum. PNC’s international-student page specifically covers Simple Checking. U.S. citizens and resident aliens with an SSN or ITIN can apply online or in branch with accepted ID. Non-U.S. persons without an SSN or ITIN must apply at a branch with a valid photo passport (and photocopy) plus a U.S. student visa or student photo ID. Form W-8BEN can be completed before or at the appointment. Confirm your individual documentation and approval requirements.

Trade-off / confirm: Standard debit-card international transactions cost 4%; international ATM withdrawals cost $6, with Mexico Santander ATM exceptions. Third-party fees may apply. For Essential Checking branch opening, bring a valid government-issued photo ID such as a passport plus an accepted secondary ID, your address, phone number and the $10 opening deposit. Santander states that nonresidents can apply without an SSN or use an ITIN if they have one. Confirm the exact documents and branch availability for your status; opening is subject to verification and approval.

Trade-off / confirm: Standard debit-card international transactions cost 4%; international ATM withdrawals cost $6, with Mexico Santander ATM exceptions. Third-party fees may apply. For Simply Right branch opening, bring a valid government-issued photo ID such as a passport plus an accepted secondary ID, address and phone details, and the $25 opening deposit. Santander states that nonresidents can apply without an SSN or use an ITIN if they have one. Confirm the exact documents and branch availability for your status; opening is subject to verification and approval.

Trade-off / confirm: Falling below the daily-balance requirement can trigger a $10 fee for that statement cycle. U.S. residents age 18+ with identification and proof of address. Page requests SSN; joint-account instructions also mention ITIN. Confirm accepted tax-ID route and additional noncitizen documents.

Trade-off / confirm: Open in branch with valid ID, SSN and $250 opening deposit. Open in branch with valid ID, SSN and $250 opening deposit. Confirm residence and immigration documents.

Trade-off / confirm: Indian identity documents, visa and U.S. employer confirmation are required For Indian residents moving to the U.S. for work. Required documents include a valid passport and visa, PAN, Aadhaar and a U.S. employer employment-confirmation letter. An India, temporary or employer address can be used initially; U.S. address proof is due within 120 days. Reviewed 2026-10-12. Official source: https://sbic.bank/nra-services

Trade-off / confirm: Passport, visa, PAN, Aadhaar and school admission/enrollment confirmation are required For Indian residents coming to the U.S. to study. Provide a valid passport and visa, PAN, Aadhaar and a college admission or enrollment-confirmation letter. Opening is allowed up to 90 days before arrival; U.S. address proof is due within 120 days. Reviewed 2026-10-12. Official source: https://sbic.bank/nra-services

Trade-off / confirm: Both direct-deposit and app-enrollment conditions apply to the advertised monthly-fee waiver. Opening instructions request photo ID and SSN. Confirm residence requirements and approval with SBIC.

Trade-off / confirm: For students age 18–25; provide ID and evidence of student status or age. Students ages 18–25; identification and proof of student status or age requested. Confirm tax-ID and residence documents. Pre-arrival Indian students can review Global Student Checking.

Trade-off / confirm: U.S. physical address and an SSN or ITIN are required; identity checks apply. Applicants must be 18 or older and provide a physical address in the 50 U.S. states, Washington, D.C. or supported U.S. military states, an SSN or ITIN, date of birth and contact information. SoFi lists U.S. citizens, permanent residents and non-permanent residents as citizenship-status options. Identity verification and additional documents may be required. Available in all 50 states and Washington, D.C.; eligible military addresses accepted

Trade-off / confirm: $15 monthly unless a waiver condition is met. Online Complete Checking applicants generally must be 18 or older, provide an SSN and accepted identification, fund the account and complete identity verification. Applicants age 17 or seeking an alternative tax-ID/document route should confirm their specific branch requirements with TD. A universal no-SSN route is not established here.

Trade-off / confirm: $4.95 monthly from age 18; the primary-owner age 13–17 waiver applies before then. Online opening asks for SSN, address, birthdate and government-issued ID. Under-18 applicants visit a TD store with an adult joint owner. Confirm noncitizen branch document options.

Trade-off / confirm: $5 monthly unless a waiver condition is met. Account approval and identity/residency verification apply. Confirm SSN/ITIN route with Truist. Student waiver requires primary ownership and graduation date.

Trade-off / confirm: $50 minimum opening deposit. Truist One Checking requires account approval and identity/residency verification. Confirm accepted SSN, ITIN, visa and address documents with Truist for your application route. The student monthly-fee waiver requires primary ownership and an anticipated graduation date; it expires on that date.

Trade-off / confirm: $12 monthly after the first two statement periods unless a waiver condition is met. Individual applicants must be 18 or older and legal U.S. residents. Ages 13–17 use the teen joint-account route with an adult. Standard online opening requires an SSN and accepted government ID; contact a branch to confirm any no-SSN route, ITIN acceptance and the documents for your immigration status. Account approval and verification apply. Ask your employer whether you qualify for the Global Transition Solutions customer group. No specific account exclusions verified from the reviewed sources. Confirm availability by ZIP code and check the branch locator.

Trade-off / confirm: Noncitizens must be U.S. permanent residents Applicants must be U.S. citizens or permanent residents, age 18 or older, and reside at a physical address in the 50 states or D.C. Varo may request an SSN and identity documents for verification. Only individually owned accounts are supported. Reviewed 2026-10-12. Official source: https://support.varomoney.com/hc/en-us/articles/21993195012628-Applying-for-a-Varo-Bank-Account Available to eligible applicants residing at physical addresses in the 50 U.S. states and Washington, D.C.

Trade-off / confirm: Personal checks cannot be written on this checkless account. Clear Access Banking is available from age 13. Ages 13–16 require an adult co-owner; 17-year-olds can be primary owners without a parent. Applicants under 18 and non-permanent U.S. residents must apply at a branch. Online opening requires age 18 or older, SSN or ITIN, a physical U.S. address and a mobile number. The branch checklist requires primary and secondary ID and proof of address, with a documented government-ID alternative for non-U.S. citizens without a U.S. taxpayer ID. Confirm the exact original documents and individual approval requirements before the appointment. No product-specific excluded-state list found. Verify availability and branch access for your location. The disclosure page states that accounts opened for states without a Wells Fargo physical banking location are treated as opened in California and subject to California disclosures.

Trade-off / confirm: $15 monthly unless a deposit, balance, age or military waiver condition is met. Everyday Checking is available from age 17; applicants under 18 must apply at a branch. Online opening requires age 18 or older, SSN or ITIN, a physical U.S. address and a mobile number. Non-permanent U.S. residents must apply at a branch. The Everyday branch checklist requires original primary and secondary ID and address proof, with a documented government-ID alternative for non-U.S. citizens without a U.S. taxpayer ID. Minors without a primary ID need an adult relative or guardian as co-owner. Confirm exact documents and approval requirements before the appointment. No product-specific excluded-state list found. Confirm application availability and nearby branch access. Wells Fargo states that accounts opened for states without a physical banking location are treated as opened in California and subject to California disclosures.

Trade-off / confirm: A valid SSN or ITIN is required to earn interest. Zolve advertises online checking-account applications from abroad using a passport, SSN or ITIN. An SSN is not universally required for opening, but a valid SSN or ITIN is required to earn interest. General Terms of Use v9 (September 11, 2026) require the applicable age of majority (18 in many jurisdictions, 19 in others) and permit consumer-report verification without specifying a hard or soft inquiry. Precise visa, U.S. address, card-delivery and activation requirements were not confirmed. Zolve is a fintech; current banking services are provided by Continental Bank, Member FDIC. The partner-bank agreement separately governs the account. No product-specific U.S. state exclusions were verified in the reviewed sources. Confirm residency eligibility and the applicable age of majority during application.