Banks/Credit Unions That Allow You To Open A Deposit Account Without An SSN

In our complete guide to applying for credit cards with an ITIN 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

  • Allows with extra documentation (e.g passport): 1
  • ITIN Required: 1,

Bank of America

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), 3 (got savings & checking bonus)

Citibank

  • Foreign passport & something official with address on it: 1
  • No SSN Or ITIN Needed: 1 (got bonis)

HSBC

  • International clients can have local account added: 1

PNC

  • No ITIN or SSN needed: 1, 2,

TD Bank

  • Allows: 1, 2

U.S. Bank

  • Allows you to open an account without a SSN: 1

Wells Fargo

  • Allows you to open an account without a SSN: 1, 2, 3

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.
    William Charles
  • On February 25, 2017, 10:00

View Comments (74)

  • EAD + SSN, but got rejected by PNC. I just hope she wasn't memorizing my SSN because she had it in front of her for like 15 mins while pretending to be trying to open the account. According to her, an EAD is not a valid form of ID.

  • My problem is that when I went in-person to some of these banks listed they insisted I give them my damn SSN when I showed my US passport. Then they showed me the door when I refused. This is illegal. I'm here worse off than an illegal alien with NO passport. My problem is that Social Security is refusing to put my SSN in my correct name based on my passport. Meanwhile Bank of America had allowed my late joint-account holder to wipe out my last bank account by closing it out without my knowledge or consent. So I'm back in the USA with just my US passport going around trying to take care of business in-person and failing miserably. How do actual illegals do it? I think I would be turned down for an ITIN by the IRS seeing as how for all my life I had a SSN but recently Social Security has gotten gobshite about what they will accept in ORIGINALS only for a name-change. So basically I have to live without a social security number here in my own country. I'd be better off dead.

    Nothing is accepting a US passport without a social security number even though there are loads of US citizens who have really never had one. Never lived here, for example. Living here most of my life and being screwed with lately, is worse than being an illegal alien.

  • Hello,
    i am living in India and i dont have SSN /ITIN number.
    Still i can able to open an account in US banks? Also, will the Loan interest rates will be same for me ?

    Please suggest.

  • Hello, it seems like this article haven't been updated in a long time and I'm sure things have changed over time. As of now, which bank accounts or credit union allows deposit accounts to be opened without SSN or allow me to use an ITIN?

    I'm curious if SoFi allows ITIN to be used.

    I tried to use my ITIN with Bask Bank, but it didn't worked online. I haven't tried calling them. I wonder if it'll work?

    I see online that Capital One 360 said ITIN will work, but are there any datapoints here? Does C1 do a hard pull on credit reports?

    I've had years of credit history with my ITIN.

    Thank you.

  • My question now is tho, as a non resident alien with student visa who got a ssn, am I required to provide it when they ask? Or can I still go the alternative route of providing my visa passport etc..

  • Correction to your article. Wells Fargo does ask for social security number and one can not proceed without it whether one has TIN or not.

  • Turned down by Alliant Credit Union. They said that a non-resident needs ID,W8-BEN,and ITIN. Without all of them,you may not open account online or by mail. Not sure they need SSN or ITIN if visit a branch since I didn’t do that.

  • Successfully opened account at BMO Harris without ITIN/SSN. They did say that dependent on where you are from, they might require it, for me they did not require it.

    PNC told me they require an SSN or ITIN.

    • I just got refused on the beginning page. Insisted I put the damn SSN in there. I don't think it will go through if I just put in XXX-XX-XXXX or 000-00-0000

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