In this article, we’ll explain how to open a bank account online without an SSN. In fact, we’ll explain how to open accounts online without an ITIN. Basically, if you are a foreigner who has any desire to successfully bank in the US and you don’t have a tax identification number, this is for you.
While most people will claim that this is impossible, they’re wrong. Not only is it possible, but it’s also achievable for individuals and businesses from most countries around the world.
So, if you’re a foreigner looking to open a bank account without US tax IDs (SSN or ITIN), you can click here and access our most popular (free) US banking article that walks you through the process right now.
Feel free to use the table of contents to jump ahead to the sections most relevant to you.
Table of Contents
- Open a Bank Account Online Without SSN
- How to Open an Online Bank Account in the US
- Frequently Asked Questions
- Ready to Explore Your Options?
Open a Bank Account Online Without SSN
To open a bank account online without an SSN, applicants need to know the specific banks that match their client profile, be able to meet the opening requirements and navigate the account opening process for foreign non-residents.
Not surprisingly, not all US banks accept foreign non-resident applicants. And, the ones that do often cater to specific client groups or have difficult requirements that applicants need to meet, including certain parameters around tax identification numbers.
That said, there are other requirements foreign non-residents need to meet as well, including:
- Opening deposit (between $10,000 to $250,000)
- US residential address (many banks require proof)
- US phone number (required by many banks)
Please keep in mind, that not all banks require a US residential address or a US phone number. In fact, it is possible to open a US bank account online without an SSN by using a P.O. Box and a foreign phone number.
Of course, there are many other requirements applicants need to meet as well, which include the standard account opening requirements you will need to provide anywhere in the world, including:
- Proof of citizenship
- Non-US tax id number (country of residence)
- Proof of residency
- Bank statements
- Source of income
- Source of wealth
In the next section, we’ll walk through the process of opening accounts.
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How to Open an Online Bank Account in the US
In this article, we’re discussing how to open a bank account online in the US without an SSN. And, while all of the banks that we are referring to offer online banking services to their clients, they are all real brick-and-mortar FDIC-insured US banks.
In other words, we are not discussing digital or online banking. In fact, digital and online banking typically caters to US LLCs looking to access quick and easy bank accounts. Though, as we’ve discussed elsewhere, these types of accounts can present their challenges as well.
In another article, we’ll take a look at how to open a bank account online without an SSN for your US or foreign company. And, in case you’re wondering, yes it is 100% possible.
Can I Open Bank Accounts Online Without a Social Security Number?
In case it isn’t clear, you can open a bank account online without an SSN 100% remotely. To do this, you’ll need to narrow down the possible banks by answering the following questions:
- Which banks are open for your client profile?
- Which banks offer the services you desire?
- Which banks have opening requirements you can meet?
Then, you’ll need to navigate the account opening requirements, connect with bankers who understand your profile, and make sure you avoid many of the common mistakes.
Of course, you can use our team’s assistance to navigate all of these requirements – including direct introductions to bankers that exclusively handle international clients. We do this through our dedicated US bank account opening service, more on this below.
Alternatively, you can use the article first linked above to navigate the process on your own.
Frequently Asked Questions
Below are two of the most common questions that we receive from people wanting to open a bank account without an SSN. If you have further questions you would like answered, don’t hesitate to get in touch with us directly.
Can You Open a Bank Account Without a Social Security Number?
Yes, you can open a bank account with a Social Security Number. To do so, you need to know which bank matches your profile, offers the services you require, and has account opening requirements you can meet. You also need to know how to overcome the common US bank account opening challenges.
Do I Need an Identification Number to Open an Online Bank Account?
Yes, you will need an identification number to open an online bank account in the United States. That said, this can be an identification number that is issued from a foreign country, such as your country of birth or country of residence. Importantly, you do not need a US identification number in order to open a bank account, though it can increase the number of options available to you.
Which Banks Open Accounts Without SSN?
Many US banks will open accounts without an SSN. However, banks have a wide range of factors that applicants need to meet, an SSN is only one of these factors. With this in mind, our team takes a detailed look at each individual to help them find the exact bank that matches their profile, meets their needs, and would be willing to open a bank account for them online without an SSN.
Ready to Explore Your Options?
If so, you can get access to GlobalBanks USA (our dedicated US banking service) in just a few clicks.
GlobalBanks USA is a 100% personal account opening solution. It provides direct access to our team of US banking experts.
When you join, you receive…
+ Expert suggestions on where to open US bank accounts.
+ Step-by-step support to navigate opening US bank accounts.
+ Direct introductions to helpful and responsive bankers.
+ Plus, detailed guides to maximizing the value you get from your new US bank account.
And “yes!” GlobalBanks USA helps foreigners and non-resident individuals open bank accounts.
In fact, GlobalBanks USA even helps non-resident US LLCs and foreign & offshore entities.
To learn more about GlobalBanks USA, visit the product page to see how our team can help you successfully open US bank accounts!
