How to Open a US Bank Account as a Non Resident
Learn how to open a US bank account as a non resident. This step by step guide explains requirements, documents, best banks, and tips to make the process simple in 2025.
Opening a bank account in the United States as a non resident may sound complicated, but it is possible with the right information. Whether you are an international student, expat, business owner, or traveler, having a US bank account makes managing money much easier.
This article explains how to open a US bank account as a non resident, the documents you need, the banks that welcome foreigners, and useful tips to save time.
Basic Information
| Requirement | Details |
|---|---|
| Eligible Applicants | Non residents, expats, students, foreign business owners |
| Documents Needed | Passport, US visa or immigration document, proof of US address, ITIN or SSN (if available) |
| Minimum Deposit | Varies by bank, usually $0 to $100 |
| Popular Banks for Non Residents | Chase, Bank of America, Wells Fargo, Citibank, HSBC |
| Account Types Available | Checking accounts, savings accounts, business accounts |
Steps to Open a U.S. Bank Account as a Non Resident
1. Choose the Right Bank
Not all banks accept non residents. Large international banks such as HSBC, Citibank, and Bank of America are more flexible with foreign applicants.
2. Prepare the Required Documents
Most banks will ask for:
- Valid passport
- U.S. visa or immigration papers
- Proof of U.S. address (lease, utility bill, or letter from employer or university)
- ITIN or SSN if available (some banks allow accounts without them)
3. Select the Type of Account
- Checking account for everyday transactions
- Savings account to store money securely
- Business account if you operate a company in the U.S.
4. Make the Minimum Deposit
Some banks allow you to open an account with no deposit, while others may require $25 to $100 as an initial balance.
5. Set Up Online Banking and Debit Card
Once approved, you will receive a debit card and access to online or mobile banking. This allows you to send and receive payments, shop online, and withdraw cash from ATMs.
Best U.S. Banks for Non Residents
Chase Bank
One of the largest networks in the U.S., great for students and new arrivals.
Bank of America
Widely available with beginner friendly accounts and mobile banking.
Wells Fargo
Known for strong customer service and thousands of ATMs nationwide.
Citibank
Good for international clients and people who need global money transfers.
HSBC
Ideal for expats and global professionals who need international account access.
Contact Details
| Bank | Website | Customer Support |
|---|---|---|
| Chase | chase.com | 1 800 935 9935 |
| Bank of America | bankofamerica.com | 1 800 432 1000 |
| Wells Fargo | wellsfargo.com | 1 800 869 3557 |
| Citibank | citibank.com | 1 800 374 9700 |
| HSBC | hsbc.com | 1 800 975 4722 |
Tips for Success
- Some banks may allow account opening online, but many still require you to visit a branch in person
- If you do not have an SSN, ask about ITIN options or banks that accept passports and proof of address only
- Compare monthly fees, ATM access, and international transfer policies before deciding
Final Thoughts
Opening a U.S. bank account as a non resident is possible if you choose the right bank and prepare the required documents. International banks like HSBC and Citibank are often the easiest starting points, while Chase and Bank of America provide reliable everyday options.
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FAQ’s
What documents do I need to open a US bank account as a non resident
You will usually need a valid passport, a U.S. visa or immigration document, proof of a U.S. address such as a lease or utility bill, and in some cases an ITIN or SSN
Can I open a US bank account without a Social Security Number
Yes, some banks like HSBC, Citibank, and Bank of America allow you to open an account with just a passport and proof of address. However, having an ITIN or SSN makes the process easier
Which banks are best for non residents in the US
Popular choices include Chase, Bank of America, Citibank, Wells Fargo, and HSBC. These banks have large networks, international services, and are more flexible with non resident applicants
Can I open a US bank account online as a non resident
Some banks allow online applications but most still require you to visit a branch in person, especially for the first account. Online only banks usually require an SSN, which limits options for non residents
What is the minimum deposit for a non resident bank account in the US
The minimum deposit varies by bank but is usually between $0 and $100. Some student accounts and digital accounts may allow opening with no deposit
Do I need a US address to open a bank account as a non resident
Yes, most banks require a U.S. address for verification. This can be a lease agreement, a letter from your university or employer, or a utility bill
Can international students open a US bank account
Yes, most major banks in the U.S. have special accounts for students. All you need is a passport, student visa, and proof of address to qualify
