Setting up a joint bank account in the United States as a non-resident is entirely possible.
In fact, if you know which specific banks, branches, and bankers to approach, you can even complete the process 100% remotely.
In this article, we’re going to share important considerations for anyone dealing with joint bank accounts and trying to figure out how to navigate the US account opening process and how to open an American bank account from abroad. We’ll also discuss some specific challenges related to joint bank accounts in the US and how to overcome them.
Feel free to use the table of contents to jump ahead to the sections most relevant to you.
Table of Contents
- Opening a Joint Bank Account 101
- Setting up a Joint Bank Account From Abroad
- Frequently Asked Questions
- Ready to Unlock the Benefits of US Banking?
Opening a Joint Bank Account 101
Many people join GlobalBanks in order to open joint bank accounts abroad. The specific motivation and reasons for opening a joint account vary. However, there are a few unique characteristics and factors that can help streamline the account opening process.
For example, if you are a foreign couple that spends time abroad, you may want to open a bank account in the country where you spend time or regularly travel. This might be in the United States or in another international jurisdiction.
Additionally, if you want to jointly own foreign real estate and require the best ITIN mortgage lender, you’ll need a local bank account. The bank account will be used to send and receive payments related to the maintenance of that property.
Alternatively, if you own a rental property, you likely need a local bank account in order to receive payments from tenants or rental booking platforms.
Regardless of the reasons, opening a joint bank account in the United States is 100% possible.
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Setting up a Joint Bank Account From Abroad
In order to open a personal bank account, applicants need to provide standard account opening documents. As a non-resident foreigner, this typically includes a copy of your passport, proof of address, completed application documents, a phone number (that’s able to receive SMS messages), and explaining your income and source of funds.
When it comes to opening a joint bank account, the same process applies. However, in order to complete the account opening process, both individuals named on the account will need to provide supporting documents.
Additionally, if you want to open accounts 100% remotely, you will most likely be asked to complete a video interview and (in certain instances) send original documents by mail, though this isn’t always required.
Frequently Asked Questions
Below are two of the most common questions that we receive from people looking to set up bank accounts jointly. If you have further questions, don’t hesitate to get in touch with us directly.
What Do I Need to Know Before I Open a Joint Bank Account?
Before opening a joint bank account, make sure you’re clear on the reasons for having a joint account, and make sure you can meet your desired bank’s account opening requirements for joint accounts. Then, compile the necessary documents for both applicants. For example, if you want to open an account in the United States but you do not have a justifiable reason for opening an account there, it will be more challenging than if you can prove that you can clear ties to the country.
Can I Open a Joint Account Online?
In certain instances, it is possible to open a joint bank account 100% remotely through online channels. However, the options to open a joint account online vary from country to country, bank to bank, and even (sometimes) banker to banker. That’s why we suggest our members contact specific banks that have been proven to accept 100% remote applications.
Ready to Unlock the Benefits of US Banking?
If you’re seeking better banking options, diversification, or enhanced privacy—our International Account Opening Service is your fastest, most effective path forward.
Trusted by high-net-worth-individuals and 8-figure businesses, it’s a fully personalized solution backed by real experts, with real results.
Here’s what you can expect:
✅ Direct support from our international banking experts—so you’re never stuck guessing what to do next.
✅ Prequalification with banks that match your profile and actually want you (or your business) as a customer.
✅ Custom strategies to overcome any challenges and help you open the accounts you need—whether you’re a non-resident, entrepreneur, investor, or global citizen.
✅ Personal introductions to banks that perfectly match your profile (not random suggestions you have to cold-call yourself).
✅ Answers to tough questions about documentation, compliance, and what works in today’s evolving banking climate.
✅ Guaranteed account opening because we will keep working with you until you successfully open the bank account you need.
And yes—GlobalBanks’ International Account Opening Service is purpose-built for foreign and non-resident individuals and companies.
But, spots are limited and we only accept qualified applicants—so if you’re ready to move forward, take 60 seconds to complete your free assessment.
