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Opening a US Bank Account For Non-Residents: How to start?


Jan 12, 2023

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After reading this article, you will understand how to open a US Bank account for non-residents or non-citizen US residents, even if you haven’t set foot in the country or obtained a Social Security number (SSN). This blog is specifically for foreign nationals who will be relocating to the US on a temporary work visa, such as an H1B or L1 visa, who will be studying at a university as an international student, or who will manage financial obligations in the US while not a resident.

Opening a US Bank Account For Non-Residents: How to start?

Opening a US Bank Account For Non-Residents: How to start?

Are foreigners able to open a US Bank account for non-residents?

Foreigners can open bank accounts in the US whether they are residents or citizens. People can open a US Bank account for non-residents because of its friendly and open banking policies.

It’s always preferable to phone beforehand or check the website of the bank you’re interested in to receive exact instructions because the procedure may vary significantly from bank to bank. You’ll need to bring evidence of identity, an initial deposit, and proof of address.

A passport is frequently sufficient as identification. Most banks will be able to provide you with an ITIN (Individual Taxpayer Identification Number) if you don’t have a social security number, allowing you to open

What are the advantages of non-citizens creating a US bank account remotely before traveling to the US?

Before traveling to the US, US non-citizens can create a personal bank account electronically or without providing their SSN at several US banks and financial institutions that cater to overseas consumers.

These US banks will let you open an account without actually being in the US as long as you have a valid US residency status, such as an H1-B or L1 work visa, an F1 international student visa for university admission, or any other kind.

In this case, you can use an online process or, in some cases, a video conferencing appointment to open a US bank account before traveling there.

How to open a US Bank account for non-residents there?

Some foreign banks can assist you if you want to create a bank account in the US but don’t live here. These non-resident requirements include:

  1. Working in the US for an extended period.
  2. Client of the multinational bank in any market where it operates, including your own country or other needs.
  3. You are either buying real estate in the US or already have a residence there.
  4. To manage your financial obligations in the US, you might be eligible to open a US bank account for non-residents if you meet any of the aforementioned requirements.

You’ll have to present proof in the form of supporting documents that you satisfy the criteria to open a US Bank account for non-residents.

How does a non-US citizen in the country open a bank account?

Most significant U.S. banks allow foreign nationals who are lawful permanent residents of the United States and possess a valid SSN to complete the bank account application procedure online, just like any other American citizen.

They are regarded as US residents for taxation purposes, therefore. Therefore, resident foreign nationals may not require financial institutions that specialize in serving immigrants or US Newcomers; however, you may still find it advantageous to work with financial institutions that focus on meeting clients’ financial needs around the world.


It may be helpful for your trip to America or international transfers to know how to open a US Bank account for non-residents or non-citizen US residents without a Social Security Number (SSN) or by physically entering the country. Additionally, you will comprehend how American bank accounts operate as well as some essential considerations for regular banking in the US.

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Note: The content in this article is for general informative purposes only. You should conduct your own research or ask for specialist advice before making any financial decisions. All information in this article is current as of the date of publication, and DNBC Financial Group reserves the right to modify, add, or remove any information. We don’t provide any express or implied representations, warranties, or guarantees regarding the accuracy, completeness, or currency of the content within this publication.