can tourist open a bank account in us

See where they play! Our Tour Guides are knowledgeable and well-versed in Vikings history. U.S. Bank Stadium Tour dates are available now through March. Ameris Bank is a financial institution serving customers across the Southeast and Mid-Atlantic. Through online account opening, customers across the nation can. We're here to support you with personal and business banking services. bank with Horizon and when they open a new checking account you both will receive.
can tourist open a bank account in us

How to Open a US Bank Account for Non-Residents

The good old US of A. Perhaps you are a frequent traveler there, looking for a practical way to do business there, or you are an American that lives abroad and needs a convenient way to avoid high international fees. Whatever your reasons, opening a bank account in the world’s largest economy can come with many benefits, although, if you are a non-resident, you might face several challenges if you don’t know exactly where to look!

Despite being a very technologically advanced country, the US banking world is known for still being rather old school. Not only do they carry hefty foreign transaction fees and aren’t particularly multi-currency friendly, but online banking can also leave a lot to be desired. The majority of banks rely heavily on face-to-face interaction (including some instances when your account gets suddenly locked), and even accessing your bank from abroad sends up an immediate red flag for many - definitely a less than ideal situation for a global citizen, digital nomad, or international entrepreneur.

In fact, I remember the days where I had to visit my US bank branch every time I was going abroad to relay my whole travel itinerary so that they wouldn’t decide to block my ‘suspicious’ activity and leave me penniless on my trip (and in one instance, they still blocked it anyways 🙄)

However, there is no need to feel disheartened. While this can happen in some circumstances, a large portion of US banks are increasingly foreigner-friendly, and contrary to belief, many will now allow you to open US bank accounts without a social security number!

Table of Contents ↺

What you will need

First of all, it’s important to understand the diverse banking landscape in the US. You have probably heard some of the big names like Bank of America, but there are also many regional and state-specific banks, credit unions, online banks, and investment banks. As a non-resident, we would recommend looking towards the bigger banks like Chase Bank, Bank of America, or Citibank. To our knowledge, they are all open to non-residents. Smaller and more local banks have a lower risk threshold and will likely turn you away if you don’t have a US address.

On top of that, the required documents you need to submit in order to open an account vary depending on the bank, state, or even branch. However, US residents will generally be asked to submit the following for a personal checking account:

  • Social Security Number (SSN) or Individual Tax Identification Number (ITIN)
  • Passport or ID
  • US Address and proof of address (i.e a utility bill)
  • Minimum deposit
  • In some cases, a US phone number to access online banking

When the banks are dealing with non-residents, they will be looking for something to compensate for these documents in some way, so they can be sure to open an account while fulfilling all KYC and AML requirements.

If you are a US citizen living abroad, this should naturally be relatively easy to provide. For the US address, you can either use a close relatives’ or a mail forwarding service (although banks have started to become picky about these in recent years so an actual residential address is preferred). Any of the major banks, as well as several online banks such as Ally Bank, Charles Schwab, and Capital One, will let you register remotely (just perhaps use a VPN and don’t tell them you live abroad!)

As for everyone else, depending on whether you want to do this remotely, in person, or can tourist open a bank account in us are looking to set up a business account, there may be some additional steps and requirements, as well as other options you should probably consider. We hope that with this article, we can help you find the best solution for you.

Preparation is key

Thus, due to the ever-changing nature of banking policies, it’s crucial to prepare before approaching the banks. Call up in advance to check the requirements. Make sure to verify:

  • Do I need an ITIN or SSN?
  • Do I need a US Address? What kind of proof do you need?
  • What’s the minimum deposit?
  • Do I need to prove my source of funds somehow?
  • Will you accept this pay my ashley synchrony bill is vital to note that if you don’t properly research this and just head straight to the bank, you may even get disqualified to apply at that bank again.

    Also, if you are going in person, we recommend finding a branch that is used to dealing with non-resident requests. If you walk into any old branch, some of the tellers may not be fully trained in dealing with these issues and will deem it not possible.

    Now hopefully, we haven’t scared you away with this warning, believe me, many people before you have managed successfully. However, if after the preparation you are still unsure, and especially if a trip to the US is off the cards and you are looking to do this remotely, we recommend seeking professional help from a specialty service dealing with non-resident banking.

    ❗ Beware, many services will say they can get you a US bank account as a non-resident without an SSN, but a lot of them are scams and may be attempting to deceive you or pursue it through illegal means.

    We can personally vouch for Global Banks, after hearing success stories from our own contacts. Global Banks can tourist open a bank account in us always kept up to speed with all the latest policies and should be able to help you find a suitable bank in the US through their contacts.

    Please also be aware that if you intend to get a bank account without an SSN or ITIN, the minimum deposit may be a lot higher than usual, sometimes even above $10,000.

    Opening a Personal Account

    First of all, if you don’t have an SSN, having an ITIN will enormously improve your chances when applying for a US bank account. Most major banks as well as others will accept ITINs. Alliant Credit Union for example, welcomes remote account openings from non-residents if they have an ITIN.

    An ITIN is a type of tax identification that the IRS uses to document non-residents for tax purposes. The process is quite complicated and will require you to have some kind of connection to the US, due to which you have to file tax returns in the US. You can find info on which non-residents are required to file a tax return on the IRS website. Also, it may be worth checking out IRS Certified Acceptance Agents (CAA) to help you get an ITIN.

    We have been thinking of writing a more in-depth article about how to get an ITIN for non-residents in the near future, so if you are interested, sign up for our newsletter and we’ll let you know when it’s ready!

    If you don’t feel like heading down the ITIN path, contrary to popular belief it is still possible to open a non-resident account without an SSN or ITIN, but it is not a total guarantee. It depends significantly on having the right banking connections along with several considerations such as nationality, tax residency, (blacklisted passports and citizens and residents in countries which the US has sanctions against will have a much harder time), and your source of income.

    Unfortunately, the list of possible banks is not evergreen. You can pretty much guarantee that you will have an easier time with most of the more prominent brick and mortar banks since they are more used to dealing with non-resident clients. The rules are constantly changing, so the required documents needed can vary by bank, state or even branch in some cases.

    One bank that may not require a social security number may change its mind in a month’s time. Take COVID for example, with travel becoming increasingly tricky, many banks became more flexible to set up an account remotely, considering that it is not as easy to visit the US in person.

    Recommendations for Personal Accounts

    Wise Borderless

    Wise, or Transferwise as it was formerly known, is the pioneer of borderless banking. It started as a way to send money abroad without large exchange fees and long waiting times by sending it between their own international branches. It has since become a major player and competition to traditional banks, allowing you to open up borderless bank accounts in several countries, including the US, and currency wallets for over 50 countries.

    Depending on your reason for needing a US account, you might want to consider Wise or any of the other great fintech options available. Of course, it really depends on your reason for needing a US account. While fintech services are a good option for quick transactional banking, it’s probably better to save it for supplementary use and not to store large quantities of money. Overall, it all depends on your reasons for opening an account. Most people looking for a US personal account will find that Wise is an easy and reliable solution to satisfy their banking needs. If your reasons are more complex, you might want to consider a brick-and-mortar option instead.

    Wise at a glance
    Highlights 🌟
    Things to note ⚠️
    • ❌ Daily transaction and spending limits apply depending on where you are registered.

    Open Wise account Learn more about Wise

    Charles Schwab

    Charles Schwab Debit Card

    We’ve covered Charles Schwab before, and it has to be the #1 US bank for digital nomads. And you can see why, considering they have no foreign transfer fees and refundable fees on foreign ATM withdrawals. They also have no monthly or annual fees. They also claim you can open an account with them in 10 minutes online. These features all make it very attractive for digital nomads and frequent travelers.

    The flip side however is that they don’t open their standard accounts for non-residents (but see below for information about their international accounts). Even if you are a US-citizen living abroad, it’s probably best not to mention it. If you have a US address you can use, combined with a VPN, however, it should be ok. For non-residents, there are mail forwarding services out there that can take care of this part for a low monthly fee. As an alternative, they have an international account option which doesn’t require an SSN, ITIN, or US address, and even comes with a debit card. The caveat to this option is that it requires an initial $25,000 can tourist open a bank account in us to open.

    Finally, if you are looking for a good US investment option, Charles Schwab also offers brokerage accounts for individuals in over 100 countries and considering they are primarily an investment bank, they have higher interest rates than some other banks on the list at 0.05%

    Charles Schwab at a glance
    Highlights 🌟
    Things to note ⚠️
    • ❌ Need a US address or a $25,000 initial deposit

    Open Charles Schwab account Learn more about Charles Schwab

    Chase Personal

    We’ve heard positive things about non-residents opening accounts with Chase. Their simple requirements make it quite favorable on this list, as they only need some kind of tax identification number - either an SSN, ITIN, or EIN, and an ID which can be simply a passport. Chase is a pretty common choice for Americans, and you will find their ATMs all across the US.

    Their fees are pretty standard for a large bank. There is no minimum opening deposit and their monthly fees are $12 per month for the most basic plan, $25 for their premium and Sapphire accounts. The fee can be waived if you maintain a certain balance (depending on the plan), and for the basic plan, it is also waivable if you have $500 or more in monthly direct deposits. Something to bear in mind is their foreign transaction fees, which are usually around 2-5% of the entire purchase. Also, their savings accounts’ interest rate is currently 0.01%, which is definitely not the best you can find.

    Chase at a glance

    Open Chase account Learn more about Chase

    Bank of America

    Bank of America will generally allow you to open an account as a non-resident for both personal and business use if you often visit the US for work or studying, however, they will require you to see them in person. It depends, but it is known to be one of the most foreigner-friendly on the list. However, if you want access to internet banking, you will need a tax identification number (like with Chase). Fees and conditions also vary depending on the state in which you apply with Bank of America, but monthly maintenance fees and minimum opening deposits are very low for all of their options. Foreign transaction fees are 3%, but they have many international partner ATMs which will help you avoid extra withdrawal fees when taking out cash abroad.

    Bank of America at a glance

    Open Bank of America account Learn more about Bank of America

    Opening a Business Account

    For a business account, you will most likely need to set up an LLC in the US. It’s a fairly painless process that can be done in just a few minutes online. Going the LLC route is definitely the most comfortable way, as it is doubtful that you will manage to open a US bank account as a foreign entity.

    While not impossible, you need to show a long track record of a business connection to the US, a lot of money to deposit, and possibly even a personal history with the bank. Once you have an LLC, the good news is opening a bank account is also rather simple to do, even remotely.

    When choosing which state to file your LLC, most people choose either Delaware, Wyoming, New Jose coronado wife, or Nevada. These four do not have any state taxes and offer the most foreigner-friendly business laws. If we could choose one for digital nomads, it would be New Mexico. They offer a combination of favorable privacy laws, low costs, no tax on non-resident companies, and no annual reports or fees. Once you have set this up, you also need to apply for an EIN (Employee Identification Number) a.k.a your LLC’s tax number. For more detailed info on the process to get an LLC, check out the FAQ section below.

    With brick and mortar banks, the response you might get to opening a non-resident account will vary. It’s possible that many will ask you about your connection to the US market, and if you have offices there. Maybe they will require a considerable deposit which might just not be an option for you as well. There are lots of deciding factors to be taken into account and you will likely have to visit a branch in person at some point. Here are our top choices, but remember, preparation is key and it’s worth a phone call before booking a trip to the States. You can also consult Global Banks for professional advice on business accounts as well.

    Like with personal accounts, we recommend Wise for business too. There are many great fintech options in our article on the best business bank accounts to open from anywhere.

    Recommendations for Business Accounts

    Wise Business

    In addition to supporting personal accounts, there is also Wise Business, which will give you higher transfer amounts while still keeping exchange rates at 0.5%. For both personal and business use you will also get your own debit card linked to your account. It’s definitely a good solution if you have less complex needs and need an easy no-frills way to send and receive money from the US without being a resident or opening up a resident LLC for your business.

    Wise Business at a glance

    Open Wise Business account Learn more about Wise Business


    Mercury's banking interface

    Mercury is another one we have featured before and we highly recommend it for US banking. It is a US product that was built as a banking solution for tech start-ups. With Mercury, you will need to set up an LLC, but the good news is that you don’t need to be physically in the United States to set up a business account with them, as you can do it from almost anywhere except a few sanctioned countries.

    To be honest, since the US is the focus here, the ease Mercury provides for LLCs together with the low fees, high interest rates, and the multi-currency access that Wise gives makes it without a doubt the best choice when can tourist open a bank account in us comes to setting up a US business account remotely.

    Mercury at a glance

    Open Mercury account Learn more about Mercury

    Chase Business

    Chase for Business is a great choice for business big and small, and one of the most well known banks in the US. You won’t be able to open your account fully remotely (exceptions may be made during the pandemic depending on your business volume and whether you have an ITIN or SSN), however most of the initial work can be done online. We recommend them because you only need a minimum of a $2,000 daily balance to avoid the $15 fee, which is relatively low compared to the general US market. They also have quite a large selection of business credit cards with all sorts of travel rewards. As mentioned earlier, Chase is also a great option for non-resident personal accounts, and it’s also quite easy to link them together if you wish.

    Chase Business at a glance

    Open Chase Business account Learn more about Chase Business


    Citibank is another great choice for businesses, also letting you open a company account with your LLC. If you are CitiGold client, or at the very least, have a Citi account from another developed country (such as Hong Kong or Singapore), it’s possible to do this remotely as well. Bear in mind, however, that the minimum deposit for doing things remotely is $15,000, so depending on your restraints, it might be more worth it to go on a trip to the states instead to sort it.

    It is a very international bank with around 700 branches in the US and over 1800 branches overseas in 160+ countries, and there are suitable plans for both small and large businesses, starting with their most basic account, CitiBusiness Streamlined. In this one, you can not make more than 250 transactions per month and the monthly fees are $15 per month, which can be waived if you maintain a $5000 account balance. Their plan for larger businesses has no limit on monthly transactions but the monthly fee is increased to $22 per month. Overall the interest rates on their business accounts are more favorable than Chase at 0.05%. Foreign transaction fees are up to 3%.

    Citibank at a glance

    Open Citibank account Learn more about Citibank

    Frequently Asked Questions

    FAQs ↺

    What are the advantages and disadvantages of having a US Bank account?

    Let’s start with the pro’s 👍

    With the US dollar being the world’s banking currency, and the land of the free being a credible country worldwide, it brings a lot of international leverage. Since there is a high degree of trust for transfers coming from US accounts, US banking is very smooth and efficient and will not receive the same amount of scrutiny as bank accounts from some countries.

    In addition, the US does not provide any info to other countries about their taxpayers, meaning you can enjoy a great deal of privacy with a US bank account. The funny thing is, the US expects other countries to share this information regarding US taxpayers abroad - that’s the kind of negotiation power the US dollar has.

    On the other hand 👎

    Remember 2008? Their higher risk tolerance is what makes the US a convenient place to can tourist open a bank account in us, yet it also means the US has the highest rate of bank failures in the developed world. It’s just something to bear in mind if you are thinking of putting all your life savings in a US bank account.

    On top of that, it is very US dollar-centric and the fees for foreign transactions can sometimes be rather exorbitant if you are not careful. If you are going to be dealing with different currencies often, it is best to try out the fintech options instead (or a combination of both perhaps)

    How do I get a US credit card?

    Chances are, many who are looking for a US bank account want a US credit card, which offers some of the best reward rates in the world. Having no SSN in the US can make things challenging, but there are still options. Many major card issuers such as Bank of America, American Express, Chase, and Capital One will accept you if you can tourist open a bank account in us an ITIN. Without an ITIN, you have little chance of getting approved.

    The other important hurdle for getting a US credit card is proving a strong US credit history. Unfortunately, the most common credit bureaus do not monitor international credit history, so unless you do have some US credit history, you are probably not going to get the platinum! For that, it is best to look first at large international banks like HSBC, which will often take into consideration your credit history abroad and will let you sign up for a US credit card with no prior history.

    If you have no US credit history, your best bet is to get an ITIN, sign up for a bank like Bank of Can tourist open a bank account in us and after some time request a secured credit card. After about a year of responsible spending and on-time payments you’ll likely have a good enough credit history to qualify for more interesting unsecured credit cards.

    If you are a so-called “US person for tax reasons”, you are probably subjected to citizenship-based taxation already and required to submit a US tax return. For those who are not citizens or a ‘US person for tax reasons, you will only be subject to taxes on any US income or income “effectively connected with a US trade or business” i.e you have a physical US operation with employees, premises, or other physical assets. Non-resident LLCs will require you to file an annual “informational return” to the IRS, but again you will only pay taxes in relation to any US trade or income (for example if you have employees or contractors in the US).

    Non-residents are exempt from paying any tax on the interest you may receive from bank deposits, savings & loan institutions, credit unions, insurance companies, or portfolio interest. The same applies in that you are only exempt if there is no connection to any US trade or business.

    What do I need to form an LLC?

    First of all, a name that complies with the rules in the state you are registering. Different states have different rules on how you can name your LLC. Then you will need to file the “Articles of Organization” which can be done online very easily. Next, appoint a registered agent who will accept all legal and other business mail on the LLC’s behalf. This is a person who has a physical address registered in the state of your LLC, but there are numerous private service companies who will do this for you for a fee. Then, you must apply for an EIN on the IRS website. You must do this even if your LLC has no employees.

    Do I need a US address?

    You should clarify with the bank if they are after a physical US address where you can live or a postal address. US banking relies a lot on sending mail (for instance when you are waiting to receive your card) so for many banks, a postal address or PO box should be enough. However, some might be looking for proof that you live at the address (e.g. your phone bill) so it’s important to check, as this will determine if the bank is compatible with you. Some are pickier than others.

    Let me know in the comments if you know any other good options, or if you have any feedback about any of the ones I listed above!


Military checking benefits

Skip to main content

Zip Modal will appear on page load

What's your ZIP code?

Are you a U.S. Bank customer?

Our military checking benefits are one way we show our support for service members and veterans. Military checking benefits are available only to current or former members of the U.S. Armed Forces. We may request additional information for verification.

Are you a current of former member of the U.S. Armed Forces?

We're sorry.

U.S. Bank doesn't offer checking or savings accounts in your area. To help you meet your financial goals, please consider other U.S. Bank products. If you are an active duty military member, please call 800-239-3302.

Military checking benefits are available only to current or former members of the U.S. Armed Forces.

We're sorry.

This offer isn't valid in your area. If you have questions, please call

PDF is ready now!.

PDF has been generated. Click below link

Click here to generate PDF

This offer is not available in your location. View your current rates.

Let's try something else.
This offer is not available in your location. View current rates in your area or call 800.720.BANK (2265) for more information.

Let's try something else.This offer isn't valid in your area. If you have questions, please call 800.959.3690. Thank you.

End of pop up window. Press escape to close or press tab to navigate to available options.

Checking accounts

You can apply online for a checking account if you’re 18 years or older and a best interest earning savings accounts U.S. resident. You’ll need the following information:

  1. Your Social Security number.
  2. A valid, government-issued photo ID like a driver’s license, passport or state or military ID.
  3. A minimum opening deposit of $25 to activate your account (once you’ve been approved). This can be paid can tourist open a bank account in us a credit, debit or prepaid card, a transfer from another U.S. Bank account or a transfer from another financial institution.

Checking account resources

Want to open a checking account in person? 

You can visit any U.S. Bank branch to open a checking account. You’ll still need identification and personal details, such as your Social Security number and a valid government-issued ID. You can also call a U.S. Bank representative at 800-398-0371 to ensure you have everything you need to open a checking account or other bank account.


How To Open a Bank Account Online in the US (Even Without Proof of Residency)

If you’re planning to move to the United States, opening a bank account online before you arrive there could be a smart option, as it will allow you to spend quickly and flexibly right from the get-go. And while it can be tough to open a bank account in the US if you’re not a resident, that doesn’t mean it’s impossible. We’ve got a few options you can use to get a bank account in the United States.

Whether you’ll be studying at university, working, or moving to the US on a semi-permanent basis, you'll find key information in this guide about opening a bank account in the, even if you’re not yet a resident.

recommendation icon

Monito's Recommendation

Open a Wise Multi-Currency Account which gives you US bank details, among others, and a debit card to spend in multiple currencies (including US dollars.) You can even open the account before arriving in the US, but you'll need to verify your address before receiving your debit card.

What You'll Find in This Guide

Opening a US Bank Account as a Non-Citizen

Most US banks require you to be an American citizen or permanent resident before they allow you to open an account. That means you’ll typically need to submit a Social Security Number (SSN), an Individual Taxpayer Identification Number (ITIN), and proof of address in the United States. You’ll also be required to submit an identity document such as a passport, driver’s license, government-issued photo ID, and, when applicable, immigration documents.

If you’re able to meet these requirements, you can open an account. Here are the various options you have when it comes to opening an account with a bank in the US:

  • Use a “correspondent” bank: This is where the bank in your home country has a relationship with a US bank and helps you to open an account there. Not all banks have these relationships, and a US bank may not allow you to open an account.
  • Open an international account: This is where you open an overseas account with a bank. You will need to deposit a large amount of money and maintain a high balance in the account.
  • Visit the US to open an account: Not ideal, but you can visit the US, go to a bank, and open an account with them. You will need certain documentation, so always call ahead to see the requirements before you make the journey. 
  • Open a Wise Multi-Currency Account: Often the easiest option, a Wise Multi-Currency Account allows you to create a virtual account with fully-fledged banking details in the US that you can use as a regular bank account.
  • Open an Account with Remitly Passbook: A new offering from Remitly geared towards immigrants, Remitly Passbook allows you to create an all-online, American bank account without providing an SSN.

Types of US Bank Accounts

Most US bank accounts are checking or savings accounts. Checking accounts work like current accounts in other countries and provide services like:

  • Online banking access;
  • Bills and other payments;
  • Account transfers;
  • Bank transfers and direct debits;
  • Recurring payments;
  • Debit cards;
  • ATM withdrawals.

Savings accounts allow you to save over time and will pay interest on your savings. There are often restrictions on how often you can withdraw money from a savings account. Both checking and savings accounts will come with:

  • A routing number that identifies your bank
  • An account number that identifies your account

Gathering the Required Identity Documents

While many US banks will require you to have an SSN/ITIN and proof of address, the exact documents needed to open an account are not set and stone and can vary significantly from state to state and branch to branch.

To obtain an SSN/ ITIN, you'll need to apply through the IRS's website and to obtain temporary proof of address, it's worth asking your bank if they'd be able to accept a letter from your university, employer, or prospective landlord that notes your place of residence. You will also need to provide proof of identity documents such as a passport or driving license. Most banks will also require you to make an initial deposit.

Correspondent Bank Accounts in the US

One way to get a bank account in the US could be through a "correspondent banking relationship." This is where a bank in your country of origin collaborates with a bank in the United States. In these circumstances, your “home” bank may be able to help you set up an account with their partner bank. Contact your home bank to find out if they have relationships or partnerships with any US banks and what you need to do to open a US account. 

International Bank Accounts

Some banks have an international presence and may allow you to open an international account. These can include the big banks in the US listed below and other banks such as HSBC. Td auto finance payoff online international options are specialized accounts, and you can sometimes open them even if you don’t have a US address. They do come with some downsides:

  • You will likely have to make a large initial deposit, sometimes in excess of $100,000;
  • You will need to maintain a high minimum balance in the account;
  • There are likely to be ongoing monthly fees to maintain the account.

This does put international accounts out of the reach of most people. 

Visiting the US to Open an Account

In many cases, your best option for opening an account is going to be visiting the US and starting your bank account face-to-face. It’s very difficult to open a bank account online without proof of residency, local food shops near me you should contact the bank, first of all, to check what their requirements are for opening accounts for people who intend to become temporary or permanent residents. 

We’ve listed contact details for each of the popular US walmart money card number below, together with the requirements for opening an account, so you can get in touch and talk through your options.

Wells Fargo

“A checking account can be opened individually or jointly, and you’ll need your basic information, Social Security number, driver’s license, and a minimum opening deposit amount. The account can usually be linked to a debit card – giving you quick access to cash – and can be managed online, as well as at ATMs.”

Contact Details for Wells Fargo

You can contact Wells Fargo by phone through one of their international access numbers. You can find other contact options for Wells Fargo here. 


“To apply, you must be a US citizen or resident and at least 18 years old. You'll need to provide a physical address in the US, date of birth and Social Security number for all applicants. Federal law requires us to obtain, verify, and record information that identifies each person that opens an account.”

Contact Details for Citibank

You can contact Citi internationally on 210-677-3789. You can find other contact options for Citibank here.

JPMorgan Chase

Chase requires you to have a Social Security Number / ITIN and a mailing address in the US before you can open a checking account with them.

Contact Details for Chase

You can contact Chase internationally on 1-713-262-3300.

Bank of America

“For a faster application process, please have the following information on hand when you begin your application:

  • Your Social Security number
  • Your current residential address
  • Your email address
  • Your account number or debit card number to make your opening deposit into your new Bank of America account
  • Co-applicant's personal information (if applicable)

If you're missing one of these pieces of information, you can also schedule an appointment with an associate at your local financial center for a day and time that works best for you.”

Contact Details for Bank of America

You can contact Bank of America internationally on 1-315-724-4022.

US Bank

“You need to be 18 or older and a legal US resident to open a checking account at USBank. You’ll also need a Social Security Number and a driver’s license or state/military ID. Once approved, you’ll be asked to submit your opening deposit to activate your account.”

Contact Details for US Bank

You can contact US Bank internationally 1-503-401-9991

Using a Wise Multi-Currency Account

For many people, the fastest and easiest way to open a US bank account without residency will be the Wise Multi-Currency Account.

Wise is a popular online currency exchange provider offering low-cost ways to send money overseas. They also provide a Multi-Currency Account option. This provides some of the advantages of a bank account in the US without the residency requirements. You get a US account and routing number and can easily exchange money between different currencies. You can also get local bank details with a Wise Multi-Currency Account for Canada, the UK, Eurozone, Australia, and New Zealand. 

It’s important to note that Wise's Multi-Currency Account does not function exactly like a checking account, and you won’t get all of the choices you would from a regular bank, but it can be a good option until you open a full checking account.

The Remitly Passbook Account

Another fast and easy way to open a US bank account without residency is the Remitly Passbook account.

Remitly is a popular online remittance service that provides currency exchange services worldwide at a low cost. They recently launched Remitly Passbook, an all-digital financial service that allows customers to store, spend, and send money by opening an American, FDIC-insured account. Like European neobanks, Remitly Passbook gives you all the perks and freedom of an all-digital bank account. It stands out from many American banking options for immigrants because it does not require you to provide a Social Security Number to open an account.

Remitly Passbook does require you to provide a US address and a government-issued ID, so we wouldn't recommend it if you temporarily need a US bank account, but it would be a strong recommendation if you are living in the United States but don't have an SSN.

Other Banking Guides for Non-Residents

How To Open a Bank Account in France for Non-Residents
September 22, 2021 - by Byron Mühlberg
How To Open a Bank Account in Germany for Non-Residents and Foreigners
July 28, 2021 - by Byron Mühlberg
Opening a Bank Account in Portugal
November 6, 2021 - by Byron Mühlberg
How to Open a Bank Account in Ireland as a Foreigner
November 8, 2021 - by Jarrod Suda
The Grand Canal in Venice, ItalyJarrod Suda
How To Open a Bank Account in Italy as a Foreigner
November 17, 2021 - by Jarrod Suda
How To Open a Bank Account in Spain as a Foreigner
August 5, 2021 - by Byron Mühlberg
How to Open a Bank Account in Canada Without Proof of Residency
June 1, 2021 - by François Briod
Best EUR Account in the UK
November 22, 2021 - by Rachel Wait
Best USD Account in the UK
July 29, 2021 - by Rachel Wait
How To Open a Foreign Bank Account Online
February 22, 2021 - by Byron Mühlberg
How To Open a Bank Account Online in Singapore Without Proof of Residency
August 1, 2021 - by Byron Mühlberg
How To Open a Bank Account Online in New Zealand Without Proof of Residency
February 16, 2021 - by Byron Mühlberg
How To Open a Bank Account Online in the UK (Even Without Proof of Residency)
May 31, 2021 - by François Briod
How To Open a Bank Account Online in Australia Without Proof of Residency
January 20, 2020 - by Byron Mühlberg
How To Open a Swiss Bank Account Online for Non-Residents
August 3, 2021 - by Byron Mühlberg

Can foreigners holding US tourist visa create a bank account in USA?

The 38.9 c to f is, unfortunately, along the lines of "it depends". It does depend a little on the bank - I've had a US bank account for years before moving to the US, and I didn't have an SSN or any status when I opened the account. What I did have tarrant county college northwest campus address was an address in the US that they could send the statements to, and proof that I was living abroad (oh, and US citizen wife that had an account with the same bank).

Not all banks will open a bank account for a foreigner with no status in the US, but it is generally possible. You will have to check with several banks and basically have paperwork showing your foreign address and proof of id (passport, possibly a drivers license as well).

answered Apr 13 '11 at 14:19

Timo GeuschTimo Geusch

5,7912020 silver badges2424 bronze badges

Fifth Third Bank LogoFifth Third Bank Logo

Foreign Electronic Payments

International taxpayers who do not have a U.S. bank account may follow the instructions below to transfer funds from their foreign bank account directly to the Internal Revenue Service for payment of their individual or business tax liabilities.

Caution: Although this method of payment is available to anyone with a foreign bank account (which includes many types of financial institutions), it can be costly.  Please consider other options, including paying by credit card, to avoid the high cost of international wire transfer.  For more information on how to use the Electronic Federal Tax Payment System (EFTPS) or other U.S. based can tourist open a bank account in us methods, please visit the Make a Payment site.

Note: Payments of U.S. tax must be remitted to the U.S. Internal Revenue Service (IRS) in U.S. dollars.

International Wire Transfer

In order to complete an international wire transfer through your foreign bank, you will need to complete the Same-Day Taxpayer Payment Worksheet PDF with the proper Tax Type Code and tax period (year and/or quarter) so that the funds will be properly applied to your IRS tax liability.  After you have completed the worksheet, take it to your bank to request international wiring.

Your foreign bank must have a banking relationship with a U.S. bank, although the U.S. bank does not have to be an affiliate or otherwise related to the foreign bank.  Small local banks may not be able to affect an international wire transfer but most large banks can.  If your bank is able to transfer money to the U.S., it will ask you to complete an application for international wiring.  You will need the Routing Transit Number (RTN), also known as the American Banking Association (ABA), number for the “Destination Bank”, sometimes referred to by banks as “Beneficiary’s Bank”.

To complete a wire transfer you will need the following information:

  • A completed Same-Day Taxpayer Worksheet
  • IRS account number – 20092900IRS (optional)
  • IRS account RTN/ABA Number – 091036164 US TREAS SINGLE TX

Tip - Please complete the Same Day Taxpayer Worksheet PRIOR to going to your bank.  The information from the worksheet will be needed to complete the wiring application required by the bank.

The financial institution may charge you a fee for the wiring service.  If your foreign bank needs assistance, they may contact the Federal Tax Payment Service Customer Service at 314-425-1810 (Not toll free).  If you have questions regarding international wiring, please contact your local office internationally for assistance.

For more information on electronic payment options, download the Publication 966, Electronic Choices to Pay All Your Federal Taxes PDF.

Foreign Electronic Payments – Tax Type Codes

Tax Type Codes for Can tourist open a bank account in us NumberForm Name & Type of Payment5-Digit Tax Type Code


US Individual Income Tax Return


Payment for amended return



Extension filed



Advance payment of deficiency



Estimated tax payment



Subsequent Payment (on return or IRS Notice)


Tax Type Codes for Businesses:

Form NumberForm Name (Type of Payment)5-Digit Tax Type Code

Quarterly Excise Tax Return Deposit



Payment due on return or IRS notice



Employer’s Annual Unemployment Tax (FUTA) Deposit



Payment due on return or IRS notice



Employer’s Quarterly Employment Tax (FICA) Deposit



Payment due on return or IRS notice



Deficiency assessed by IRS



Employer’s Annual Employment Tax Deposit



Payment due on return or IRS notice



Withheld Federal Income Tax Deposit



Payment due on return or IRS notice



Exempt Organization Business Income Tax Deposit



Payment with return or IRS notice



Payment due on extension



Fiduciary Income Tax Return

Payment due on return or IRS notice



Estimated return payment



Payment on extension



Annual Withholding Tax Return for U.S. Source Income for 
Foreign Persons




Payment due on return or IRS Notice



US Corporate Income Tax




Payment due on return or IRS Notice



Payment due on extension



Amended return


2290Heavy Vehicle Use Tax


8804Annual Return of Partnership Withholding Tax (Section 1446)


8489Civil Penalty


References/Related Topics


How to open a non-resident account

Skip to content

To open a current account you will need scanned copies of the following documents:

  • 2 proofs of photo I.D.
  • 1 proof of your address. This can be a recent household bill (such as a landline telephone*, electricity or gas bill), or a statement from your bank or financial institution

*We do not accept mobile phone bills as proof of address.

You must get a solicitor or police officer to certify your identity document and household bill. If your household bill is not in English, you must translate it using a company offering this service.

If you intend to remain living abroad you can apply using the following numbers.

CallTimes (GMT)
Republic of Ireland0818 354 45409:00 - 17:00 Monday to Friday.
If you call from outside the Republic of Ireland+353 1 404403409:00 - 17:00 Monday to Friday.

Did this answer your question?

Your answer helps us improve our Support Centre

Thank you for your feedback!


Calculate your BIC/IBAN Number or find out where to find it on 365

Find out more
Branch Locator

Find out contact details, opening hours and more

Find out more

1 Replies to “Can tourist open a bank account in us”

Leave a Reply

Your email address will not be published. Required fields are marked *