How do you open a Bank Account as a Non-U.S. Citizen?

American Checking Account : A bank account may help you create a solid financial foundation. Fortunately, a non-US citizen may open a bank account in the nation. They may, however, be needed to present further identification than US citizens wanting to open a bank account.

To open a checking or savings account at any bank or credit union in the United States, you must give documentation of your identity, including your name, date of birth, address, and identification number. If you are not a US citizen, your identification requirements may vary from those of a US citizen.

Bear in mind that although a financial institution may let a non-US citizen to open an American checking account, not all financial institutions permit a non-resident alien to do so. The Internal Revenue Service (IRS) defines an alien as someone who is not a citizen or national of the United States. A non-resident foreign national does not meet the green card criteria or the “substantial presence” criterion.

Prerequisites for Savings or Checking Account Opening

The following are some typical conditions for creating a bank or credit union account:

• Include your contact information, which should include your complete name, postal address, and phone number.
• If you are a non-citizen and do not already possess a Social Security number or an Individual Taxpayer Identification Number (ITIN), you will almost certainly be required to get one. At least two government-issued identity papers, such as a valid driver’s licence or passport, as well as a Social Security or Individual Taxpayer Identification Number (ITIN)
• Utility bill with the current address shown
• Cash deposit (often between $25 and $100)

It is conceivable that state or banking institution-specific rules will apply.

Last words

To establish a checking or savings account, regardless of citizenship or non-citizen status in the United States, you must be at least 18 years old and have a physical address in the United States. Additionally, an undocumented immigrant a foreign-born person born in the United States who lacks legal status to enter or remain in the country can open a bank account in the United States. It is necessary to have an ITIN and a physical address in the United States.