MAJORITY · U.S. checking accounts

MAJORITY Base Account

A free MAJORITY Base membership with an Axiom Bank account and basic payment services. It does not include the Visa debit card or several Plus benefits; certain services have usage fees.

Pros

No recurring Base membership fee.
Bank account through Axiom Bank.
Add money by supported bank, card, cash or direct deposits.
In-app customer-service chat.

Cons

Base does not include a Visa debit card.
International transfers cost $1.99; cash pickup adds $3 where supported.
International top-ups cost $0.99; international calls have country-based per-minute rates.
Pockets, phone support and several Plus funding features are not included.

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

Costs and key facts

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

Fee waiver: Base has no recurring membership fee. Usage fees apply to selected services; Plus is a separate paid upgrade.

Eligibility and application requirements

U.S. address: Required

Residency and other conditions: 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

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	Not confirmed
Other ATMs	Not confirmed
Cash deposit	Axiom’s August 31, 2026 schedule lists a $3.95 cash-deposit fee, with possible additional third-party fees. Check the app for method-specific waivers. Base does not include ATM deposits.