MAJORITY · U.S. checking accounts

MAJORITY Plus Account

The MAJORITY Plus membership combines a U.S. bank account and Visa debit card with selected transfer and calling benefits for $6.99 every 30 days. A separate free Base plan is available with fewer features.

Pros

Signup can proceed without SSN using an accepted government-issued photo ID.
Plus includes digital and physical Visa debit cards.
Plus includes no-transfer-fee international bank-account transfers where supported.
Plus includes in-app chat and phone support.

Cons

$6.99 every 30 days; this is not a calendar-month billing cycle.
A current U.S. residential address, accepted ID, selfie and identity verification are required.
Cash pickup costs $3 where offered; exchange rates and corridor availability still matter.

Generated from the provider's published terms and reviewed against official sources.

Costs and key facts

Recurring fee	6.99 (currency not confirmed)
Minimum opening deposit	0 (currency not confirmed)
SSN requirement	Not required
ITIN accepted	Not confirmed
Credit check	NotStated

Fee waiver: Plus costs $6.99 every 30 days. The free Base membership is a different plan, not a fee waiver.

Eligibility and application requirements

U.S. address: Required

Residency and other conditions: 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

Geographic restrictions: Not confirmed. Confirm availability in your state.

Product review: 17 Oct 2026. Source retrieval dates below are separate from editorial verification. An accepted ITIN does not establish residency eligibility.

Compare u.s. checking accounts requirements and costs · How we assess published requirements

Service fees

Overdraft / returned item	Not confirmed
Outgoing domestic wire	Not confirmed
Incoming wire	Not confirmed
Outgoing instant transfer	Not confirmed
Incoming instant transfer	Not confirmed
Global remittance	Not confirmed
Allpoint ATM	0 (currency not confirmed)
Other ATMs	The August 31, 2026 Axiom agreement lists $2.50 for non-Allpoint ATM withdrawals; third-party ATM/network charges may apply.
Cash deposit	The August 31, 2026 Axiom fee schedule lists $3.95 per cash deposit; third-party fees may apply. Check the app for method-specific waivers.