In our complete guide to applying for credit cards with an ITINÂ reader Lily asked what banks/credit unions allow you to open a checking or savings account with an ITIN (or more precisely without an SSN). This will be another crowd sourced page, so if you have any datapoints then please share them in the comments below. If you’re considering opening any of these accounts, make sure you check your options and go for something that is low fee or works for you.
Some banks/credit unions also offer bonuses for signing up for their accounts, you can read more about this here.
Larger Banks
I fully realize that not all of these are truly nationwide, I’ve just put banks that operate in most areas in this section.
Alliant Credit Union
Bank of America
- Allows you to open an account with an ITIN, but you must open the account at a branch
- ITIN not required: 1
BMO Harris
- Allows: 1
Charles Schwab
- Allows & will give bonus: 1
Chase
- Requires an ITIN and valid photo ID: 1
- Requires no ITIN: 1, 2 (also got bonus), 3Â (got savings & checking bonus)
Citibank
HSBC
- International clients can have local account added: 1
PNC
TD Bank
U.S. Bank
- Allows you to open an account without a SSN: 1
Wells Fargo
Smaller Bankers
Bask Bank
- Don’t allow applications with an ITIN: 1,
Californian Banks
They have Bank On California program that do not require SSN.
Harvard Credit Union
- Allows you to open an account without a SSN: 1
Hometown Bank
- Unfortunately requires SSN & photo ID: 1
NYC Banks
There are a number of banks in NYC that will allow you to open with a city ID card.
Meriwest CU
- Allows: 1
Patelco CU
- Allows: 1
RBC Georgia
- Allows: 1
Our Verdict
Obviously this page does not have much information on it, hopefully readers that can contribute will contribute to make it more useful to future readers. As mentioned previously we also have a resource page on applying for credit cards with an ITIN.
