can you open a savings account online us bank

$10,000 minimum balance to avoid the monthly fee; $100 minimum deposit to open an account · Allows up to 6 withdrawals per month · Online & mobile. Open a checking account today with our online application. There are many bank accounts where you could put your money. But which is the best for your. See if opening up an account with this bank is in your best All U.S. Bank savings accounts come with access to online and mobile banking.

Can you open a savings account online us bank -

Open a TD Bank Checking Account online

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TD Beyond Checking

Most perks: Get the best of the best—an account loaded with benefits.

  • New checking Customers: See limited-time special offer
  • 3 ways to waive the monthly maintenance fee, including with direct deposits1
  • No ATM fees with a $2,500 minimum daily balance2
  • Get fees reimbursed on 2 overdrafts per year,3 Rush Bill Payments4 and more
  • Free incoming wires and a reimbursement for 1 outgoing wire (domestic or international) per statement cycle

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Your everyday checking account with no minimum balance and a low $5.99 monthly maintenance fee

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TD Essential Banking

An account with our lowest monthly maintenance fee of $4.95 and no overdraft fees or services, so you can keep your spending on the right track

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Student Checking

Students and young adults ages 17 through 23 get even more great perks with TD Convenience CheckingSM5

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TD 60 Plus CheckingSM

If you're a senior or are 60 or older, you can earn interest and pay no monthly maintenance fee with a $250 minimum daily balance

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1Monthly maintenance fee can be waived with one of the following: $5,000 or more in direct deposits within a statement cycle or $2,500 minimum daily balance is maintained or maintain a $25,000 minimum daily combined balance of all deposit accounts, all outstanding home equity loan and home equity line of credit accounts, and/or mortgages in good standing (excludes credit cards and personal loans) that you choose to link.

2Non-TD ATMs: TD ATM fees are waived regardless of balance. Any surcharges at the time of your non-TD ATM transaction, will be reimbursed when the minimum daily balance in the TD Beyond Checking is at least $2,500. The institution that owns the terminal (or the network) may assess a fee (surcharge) at the time of your transaction, including balance inquiries.

3Overdraft Payback automatically reverses the first two overdraft fees (paid or returned) incurred within a calendar year (January–December); max $70 per calendar year.

4Rush Bill Payments may appear on your account statements and account activity as Same Day Payments. A fee applies to all Rush Bill Payments, TD Beyond Checking accounts will be reimbursed for Rush Bill Payment fees.

5TD Convenience CheckingSM monthly maintenance fee waived if the Primary account holder is 17 through 23 years of age. Upon the primary account holder's 24th birthday the account will be subject to the monthly maintenance fee unless the minimum daily balance is maintained.

6Send Money with Zelle® is available for most personal checking and money market accounts. To use Send Money with Zelle® you must have an Online Banking profile with a U.S. address, a unique U.S. mobile phone number and an active unique e-mail address. Your eligible personal deposit account must be active and enabled for ACH transactions and Online Banking transfers. Message and data rates may apply, check with your wireless carrier.

U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. Transaction limitations apply.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

7TD Bank Mobile Deposit is available to Customers with an active checking, savings or money market account and using a supported, internet-enabled iOS or Android device with a camera. Other restrictions may apply. Please refer to the Mobile Deposit Addendum.

View the TD Checking Account Guides.

1Monthly maintenance fee can be waived with one of the following: $5,000 or more in direct deposits within a statement cycle or $2,500 minimum daily balance is maintained or maintain a $25,000 minimum daily combined balance of all deposit accounts, all outstanding home equity loan and home equity line of credit accounts, and/or mortgages in good standing (excludes credit cards and personal loans) that you choose to link.

2Non-TD ATMs: TD fees waived regardless of balance, and non-TD fees reimbursed when minimum daily balance is at least $2,500. For non-TD ATM transactions, the institution that owns the terminal (or the network) may assess a fee (surcharge) at the time of your transaction, including balance inquiries.

3Overdraft Payback automatically reverses the first two overdraft fees (paid or returned) incurred within a calendar year (January–December); max $70 per calendar year.

4Rush Bill Payments may appear on your account statements and account activity as Same Day Payments. A fee applies to all Rush Bill Payments, TD Beyond Checking accounts will be reimbursed for Rush Bill Payment fees.

5TD Convenience CheckingSM monthly maintenance fee waived if the Primary account holder is 17 through 23 years of age. Upon the primary account holder's 24th birthday the account will be subject to the monthly maintenance fee unless the minimum daily balance is maintained.

6Send Money with Zelle® is available for most personal checking and money market accounts. To use Send Money with Zelle® you must have an Online Banking profile with a U.S. address, a unique U.S. mobile phone number and an active unique e-mail address. Your eligible personal deposit account must be active and enabled for ACH transactions and Online Banking transfers. To send money for delivery that arrives typically within minutes, a TD Bank Visa® Debit Card is required. Message and data rates may apply, check with your wireless carrier. Must have a bank account in the U.S. to use Send Money with Zelle®. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. Transaction limitations apply. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

7TD Bank Mobile Deposit is available to Customers with an active checking, savings or money market account and using a supported, internet-enabled iOS or Android device with a camera. Other restrictions may apply. Please refer to the Mobile Deposit Addendum.

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Источник: https://www.td.com/us/en/personal-banking/checking-accounts/

We’re here for you. And yours.

Wherever you are in life,
we’ve got an online bank account designed to make it more rewarding.

All the stuff you want.

Whichever online bank account you choose, we keep the terms simple, the rewards high and the service stellar.

1%cash back on up to $3,000 in debit card purchases each month

ATM transactions, the purchase of money orders or other cash equivalents, cash over portions of point-of-sale transactions, Peer-to-Peer (P2P) payments (such as Apple Pay Cash), and loan payments or account funding made with your debit card are not eligible for cash back rewards.  In addition, purchases made using third-party payment accounts (services such as Venmo® and PayPal®, who also provide P2P payments) may not be eligible for cash back rewards.  Apple, the Apple logo and Apple Pay are trademarks of Apple Inc., registered in the US and other countries. Venmo and PayPal are registered trademarks of PayPal, Inc.

Checking Account
% APY

Annual Percentage Yield (APY). Advertised Online Savings Account APY is accurate as of XX/XX/XXXX. Applies to personal accounts only. APY may change before or after the account is opened. No minimum deposit to open.

watch your money grow Online Savings Account
X.XX% APY

Annual Percentage Yield (APY) is accurate as of XX/XX/XXXX, is subject to change without notice, and will be determined and fixed for the term at funding.  Applies to personal accounts only. A penalty may be charged for early withdrawal. Minimum deposit to open is $2,500.    

12 mo lock in long-term earnings Certificate of Deposit

None of the sneaky stuff.

We're an online bank that says goodbye to gimmicks, gotchas and fees.

No. Fees. Period. 

Outgoing wire transfers are subject to a service charge. You may be charged a fee by a non-Discover ATM if it is not part of the 60,000+ ATMs in our no-fee network.

  • No monthly fees on any account.
  • No insufficient funds or overdraft fees.

    For Discover Bank Cashback Debit, Online Savings and Money Market Accounts.

  • No minimum balance.

    For Discover Bank Cashback Debit and Online Savings Accounts.

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Discover® Cashback Debit, NerdWallet’s 2021 winner for Best Checking Account with No Monthly Fee

NerdWallet and the NerdWallet logo are trademarks owned by NerdWallet, Inc. and used with permission.

“Discover’s high-yield savings account is among the best in its online class.” 

“Discover Bank is an online bank providing one of the most attractive checking account offers in the industry. With it you can earn cash back on debit card purchases, while paying no monthly fees.”

“Most of the time, Discover Bank is on our list of the best high yield savings accounts and our list of the best money market accounts.”

"Discover Bank offers a broad range of products, including checking and savings accounts, money market accounts, and CDs with maturity dates between three months and 10 years."

Easy to find.

See which of our over 60,000 no-fee ATMs are at the stores you already frequent.

Some ATMs have limited hours and/or restricted access. You may be charged a fee by the ATM owner if you use an ATM that is not part of our no-fee network. If you encounter any issues using the ATMs displayed on this site, please contact us at 1-800-347-7000.

Make sure your search is spelled correctly. Try adding a city, state, or zip code.

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With Zelle® your money’s making moves.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Online and from the mobile app, it’s easy to send and receive money between almost any U.S.-based bank accounts. Just enroll with your email or U.S. mobile number and you’re ready to go.

  • It’s easy to use. Send to friends, family and people you trust with a bank account in the U.S.

    Zelle enrollment is required with a U.S.-based bank account and a U.S. mobile number or email address.

  • Money moves fast. Just tell us who to pay and how much – the money’s on its way in minutes.

    Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle

    Zelle enrollment is required with a U.S.-based bank account and a U.S. mobile number or email address. Voice over IP (VOIP), prepaid mobile phone numbers, landlines and Google voice numbers are not eligible for Zelle enrollment.  Message and data charges from your carrier may apply. Transaction limitations may apply. ​

    To use Zelle with Discover, an account center registered Discover checking, savings, or money market account is required. Discover and Zelle do not offer a protection program for any authorized payments made with Zelle.​

  • You’re protected. We won’t share any of your bank account information with your recipient.
  • No fees. Whether you’re sending or receiving, Discover doesn’t charge any fees to use Zelle.

See Zelle FAQs

Easy to love.

Online banking, now as simple as everything else you do on your phone.

EASY ACCESSMOBILE CHECK DEPOSITSIMPLE TO USEQUICK VIEW

Get access to cash on the go. Just tap to find one of our no-fee ATMs near you.

Easily deposit a check into your account by snapping a photo of it with your smartphone or tablet.

For more information regarding the Discover Bank Mobile Check Deposit Service, click here.

Check on your account easily anytime. You can even skip the passcode and log in with touch or face ID.

Face ID is currently available to iOS users.

Enable Quick View to check your account balances without logging in each time.

★★★★★

★★★★★

We score out of 5 stars!

Star rating is representative of the Apple® App Store rating for the Discover mobile app and is updated daily.

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Opening an online bank account couldn’t be simpler.

  1. Just give us a few basics (like address and Social Security number), and we’ll get the ball rolling for you.
  2. Make a deposit now or come back and do it later. Whatever makes it easier for you to get going on your goals.
  3. Check your email for a confirmation, and you’re on your way to the future you’ve been dreaming of.

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  • 5 Online Banking Myths Debunked

    Put your online banking knowledge to the test and see if you've fallen for one of these common myths.

    “If you can manage your traditional bank’s account online via its website or app, you can manage an online-only account. It’s the same basic experience.”

    – Miguel A. Suro, founder of financial blog The Rich Miser

    Read full article

  • What is Zero-Sum Budgeting and Can It Work for You?

    If you want a thorough budget that will put every dollar to work for you, zero-sum budgeting might be the answer.

    Choosing a budgeting system is a lot like choosing the right approach to rehabbing or remodeling your home. You might spend months looking for the right contractor or figuring out how to do it yourself. The zero-sum budget, also known as the zero-based budget, can provide a holistic solution to revamping your finances.

    Read full article

  • What Happens to Mortgage Rates When the Fed Cuts Rates?

    Your guide to understanding how a Fed rate cut could impact your mortgage as a homeowner or prospective buyer.*


    *This should not be considered tax or investment advice. Please consult a financial planner or tax advisor if you have questions.

    “If the Fed drops its rate during the adjustment period, you could see your interest rate go down and, in turn, see lower monthly payments.”  

    – Emily Stroud, financial advisor and founder of Stroud Financial Management

    Read full article

Источник: https://www.discover.com/online-banking/

How To Open A Bank Account As A Non-U.S. Citizen

A bank account can help set a solid foundation for your financial life. Fortunately, a non-U.S. citizen can open a bank account in the U.S. However, they may need to come up with different identification than U.S. citizens who are trying to open a bank account.

Under the USA PATRIOT Act, banks, credit unions and some other financial institutions must check the identity of anyone who wants to open a bank account. Federal lawmakers imposed that requirement following Sept. 11, 2001 to combat the funding of terrorist activities. Foreign terrorists who carried out the 9/11 attacks used U.S. bank accounts to fund their mission.

When you apply to open a checking or savings account at a bank or credit union in the U.S., the financial institution will need to verify your name, date of birth, address and ID number. If you’re a non-U.S. citizen, ID requirements may not be identical to those for a U.S. citizen, though.

Keep in mind that a financial institution may let a non-U.S. citizen open an account, but not all banks extend that ability to a non-resident alien. For tax purposes, the IRS defines an alien as someone who is not a U.S. citizen or U.S. national. A non-resident alien has not passed the green card test or the “substantial presence” test.

Requirements for Opening a Bank Account

A bank or credit union’s general requirements to open an account may include:

  • Your contact information, such as name, address and phone number
  • At least two forms of government-issued ID, such as a valid driver’s license or passport
  • Social Security number or Individual Taxpayer Identification Number (ITIN) (If you’re a non-citizen and don’t have a Social Security number, you’ll likely need to have an ITIN.)
  • Utility bill with current address
  • Cash deposit (normally $25 to $100)

Requirements may vary depending on the state or financial institution.

Whether you’re a U.S. citizen or non-U.S. citizen, you typically must be at least 18 years old to set up a checking or savings account and typically must have a U.S. address. It also is possible for an undocumented immigrant—a foreign-born person who has no legal right to be or remain in the U.S.—to open a bank account in the U.S. Key requirements include having an ITIN and a U.S. address.

In most cases, a non-U.S. citizen cannot open an account online. Instead, you’d need to visit a branch for a bank or credit union to open an account. Santander Bank, for example, accepts online applications only from U.S. residents or resident aliens who have a Social Security number or ITIN.

Alternatives for Identification

Banks and credit unions typically accept alternative forms of ID for non-U.S. residents.

For instance, if you don’t have a Social Security number, you may be able to obtain an ITIN that can be used to open an account. The Social Security Administration issues nine-digit Social Security numbers, while the IRS issues nine-digit individual ITINs. ITINs are available only to certain non-resident and resident aliens, their spouses and their dependents who can’t get a Social Security number.

Some financial institutions won’t accept an ITIN in place of a Social Security number.

Requirements for other types of ID from non-U.S. citizens can vary among banks and credit unions. Bank of America, for example, spells out these identification requirements.

For a primary ID, Bank of America wants one of the following:

  • Foreign passport with or without a visa.
  • U.S. non-immigrant visa and border crossing card.
  • Mexican, Guatemalan, Dominican or Colombian consular ID.
  • Canadian citizenship certificate card.

For a secondary ID, Bank of America asks for one of the following:

  • Foreign driver’s license (or U.S. driver’s license).
  • U.S.-issued work ID card or badge.
  • Debit or major credit card bearing a Visa or Mastercard logo.
  • Retail credit card from a nationally known company.
  • Major retail credit card from a nationally well-known company.
  • U.S. State Department ID.
  • Mexican voter registration card.

Some banks or credit unions may accept an alien registration number card from a non-U.S. citizen who’s trying to open an account. The seven- to nine-digit alien registration number can be found on various documents, such as a green card, from the U.S. Citizenship and Immigration Services.

How To Apply for an ITIN

Here are the steps for getting an ITIN:

  • Fill out a W-7 application form and submit it to the IRS along with your completed tax return. You don’t need to apply for an ITIN at an IRS location. However, you can file the application in person.
  • Submit original documents that verify your identity and your status as a foreigner. The IRS accepts 13 documents for this verification process.

Banks and Credit Unions That Accept Alternative IDs

Many large banks in the U.S. accept alternative IDs from a non-U.S. citizen trying to open an account. These include Bank of America, Chase, TD Bank, US Bank and Wells Fargo.

Some credit unions also accept alternative forms of ID. The more than 100 banks and credit unions affiliated with the BankOn platform, which helps low- to moderate-income people set up bank accounts, also may accept alternative IDs.

Alternative Accounts for Non-U.S. Citizens

If you’re a non-U.S. citizen who can’t qualify for an account at a U.S. bank or credit union, you might consider these options:

  • Rely on a bank in your home country. Some foreign banks have relationships with U.S. banks. If your bank is one of them, it might be able to help you open an account at a U.S. bank.
  • Open an offshore account. This type of account, also known as an overseas account, is at a bank that’s not in your home country or in the country where you’re living. The income and deposit requirements for these accounts can be quite high, though.

Benefits of Opening a Bank Account

Opening a bank account comes with a number of benefits. These may include:

  • Gaining financial security. Most checking and savings accounts are insured up to certain limits by the Federal Deposit Insurance Corp. (FDIC) or the National Credit Union Administration (NCUA).
  • Using debit cards. Many banks and credit unions offer debit cards to accountholders. With a debit card, you can withdraw money from an ATM, make an online purchase or pay for in-store purchase.
  • Getting access to direct deposit. This enables your paycheck to automatically go into your account.
  • Paying bills. You may be able to pay bills by check or online, rather than purchasing money orders to pay them.
  • Building a financial history. Putting better habits in place can help you borrow money to, for instance, buy a home or a car.
  • Boosting your chances of getting a loan. If you have an account at a bank or credit union, that financial institution may be more likely to lend money to you because you already have a relationship with them.
  • Avoiding fees. With your own bank account, you don’t have to depend on pricey check-cashing services.

Bottom Line

While it may require a bit more time and effort to open a U.S. bank account as a non-U.S. citizen, the benefits of doing so outweigh the steps required. It also will pay to shop around, as different banks have different practices and requirements for opening a first U.S. bank account.

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Источник: https://www.forbes.com/advisor/banking/non-us-citizen-open-bank-account/

Geared toward students ages 23 and younger, the BB&T Student Checking Account has some useful features overall (see below), but what makes it shine in this category is the U by BB&T mobile app.

State-of-the-art and easy-to-use, the app allows you to customize your dashboard with whatever is most important to you, from checking your credit score to paying bills. You also can set savings and spending goals, pay friends with Zelle, store and attach receipts, and even connect with a personal banker, all from your phone. The app currently ranks #116 in Finance apps on the iTunes App Store with 4.8 stars, and has a 4.6 user rating on Google Play.

With no minimum deposit, no monthly fee, no direct deposit requirements, it's inexpensive to keep your funds in this account. Also, BB&T waives the fee associated with non-BB&T ATM transactions two times per statement cycle, although you will not be reimbursed for the other bank's fee. Though the account is fee-free, overdraft fees tend to be high, although you can opt-out of Overdraft Review to avoid them.

Unfortunately, BB&T is currently available in only 15 states: Alabama, Florida, Georgia, Indiana, Kentucky, Maryland, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, West Virginia, and the District of Columbia. However, BB&T has recently merged with SunTrust—the new entity is named Truist—which will expand its geographic footprint.

Pros
  • No direct deposit requirements

  • Non-BB&T ATM fees waived twice per month

Cons
  • Confusing overdraft protection options

  • $36 overdraft fee, which can be charged 6 times per day

  • Only available in 15 states and the District of Columbia

Other important information:

  • Minimum deposit: $0 
  • Interest: None
  • Fees:
  • Monthly Fees: $0 
  • Overdraft Fee: $36 per overdraft, for a maximum of $216 per day. You may opt out of Overdraft Review, which means your transaction will be declined, and you will not pay the $36 fee. If your account is overdrawn by $5 or less, BB&T will waive any overdraft fees. You may also sign up for Overdraft Protection, which requires you to link an account to cover overdrafts, but you will pay a $12.50 overdraft transfer fee per transfer. BB&T will waive the overdraft transfer fee for any transfer amounts under $5.
  • ATM Fee: $3.00 for Non-BB&T ATM transactions. This fee is waived twice per statement cycle
  • Accessibility:
  • More than 1,700 branches in 15 states and the District of Columbia
  • More than 2,000 ATMs nationwide
Источник: https://www.investopedia.com/best-student-bank-accounts-4799707
Mobile and online security U.S. Bank (usbank.com) protects customers from fraud loss. For more information about U.S. Bank Mobile Banking, please visit usbank.com/mobile or call us toll-free at 800-685-5035.
Investment and insurance products and services including annuities are:
Not a Deposit ● Not FDIC Insured ● May Lose Value ● Not Bank Guaranteed ● Not Insured by any Federal Government Agency
For U.S. Bank:
Equal Housing Lender. Credit products offered by U.S. Bank National Association and subject to normal credit approval. Deposit products are offered by U.S. Bank National Association. Member FDIC.
U.S. Bank is not responsible for and does not guarantee the products, services, or performance of U.S. Bancorp Investments.
For U.S. Bancorp Investments:
Investment and insurance products and services including annuities are available through U.S. Bancorp Investments, the marketing name for U.S. Bancorp Investments, Inc., member FINRA and SIPC, an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank.

Version 3.0.5014

New mobile app features are now available!
• Manage goals with a progress bar and get recommendations to stay on track with a new Insight card on your dashboard.
• Add a note or emojis when depositing a check to help track deposits.
• Quickly find answers to your banking questions with U.S. Bank Smart AssistantTM.

Ratings and Reviews

4.8 out of 5

1.2M Ratings

Such An Amazing Interface!

I’ve been a US Bank member for years, and my favorite feature of the whole company, is its seamless Online Banking System. I’m not someone who typically leaves reviews, but this is an app I will happily make an exception for!

US Bank has streamlined the process of managing and moderating your account through this app. The interface is extremely easy to navigate and put all the most important information right in front of you as soon as you log in. There is no digging around or wasting time sorting through countless tabs, just to ultimately not end up finding what you’re looking for. The homepage provides clear insights into your transaction history, allowing for quick and easy comprehension of where and how your money is being moved around. On top of that, the app’s homepage takes advantage of the smartphone platform by providing convenient shortcuts for using the most popular online banking tools. This is excellently performed through implementing small, easy to understand, button shortcuts located at the bottom of your screen, ingeniously positioned so they are out of the way, yet still readily available, and oriented so they will never block any of the important information displayed on the homepage.

Overall, this app is beyond what I would ever expect from any large bank. And having superseded my expectations, I would certainly recommend it to anyone using US Bank without a doubt.

Best Mobile Bank App

I’ve only had two bank accounts my entire 28 years. First with Bank Midwest and it was the worst few years of banking ever. The mobile app did was like using windows 98 in the year 2010. I have had US Bank for several years now and besides being one of the best banking institutions around, even though I’ve only had one other account, I can say this because I come from a large family and every single member uses US Bank. All my siblings, parents, grandparents, cousins, aunts, and uncles. The mobile app is so easy to use and it’s not confusing at all. The moment you log in your accounts are listed; if you have multiple they are all right there as soon as you sign in. There are not many buttons to click so it’s easy to navigate to what you need. I will forever use my mobile app for all my banking needs; you can even upload a check. I still like to go into my banks building to do some of my banking because I love to keep up with the staff. But as far as mobile banking apps go this is the one to have. So, if you don’t have US Bank as your banking institution I suggest you take all your money out of the bank you use now, head to the nearest US Bank and open an account ASAP. Then you can have access to the best bank and the best mobile banking app!

Why change is not always better.

I consider myself very functional in modern device technology. I typically have a very change positive attitude. However, I am tired of change for change sake and not happy with the new update. I don’t know why developers think a new update means change everything and force end-users to re-learn how to do the exact same functions as the previous app. Make it look better, add more functionality, add greater security....fine, awesome but why reconfigure every thing on the surface. Now I have to muddle through figuring out a NEW way to complete the exact same tasks, only now with new bugs and reduced speed. It now takes twice as long to pay bills as the previous version. If you’re going to make me watch the infinity circle spin whilst the “new and improved” app navigates it’s program; at least you could program some upbeat elevator music to pacify my impatience. The new steps are different and not intuitive at all. The problem is I have no other choice of apps for US Bank so I’m stuck suffering through inept app design created by developers that apparently don’t use banking apps. Of course don’t get me started on now being forced to wait through the many updates inevitably coming in the hopes of correcting bugs that had already been solved in the previous version. By the way; “faster app” may need to be addressed in your advertising before some ambulance chasers decide they can make a few $ for false advertising.

The developer, U.S. Bancorp, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Information

Seller
U.S. Bancorp

Size
239.5 MB

Category
Finance

Compatibility
iPhone
Requires iOS 11.0 or later.
iPad
Requires iPadOS 11.0 or later.
iPod touch
Requires iOS 11.0 or later.
Mac
Requires macOS 11.0 or later and a Mac with Apple M1 chip.
Languages

English, Spanish

Age Rating
4+

Copyright
© 2021 U.S. Bancorp

Price
Free

Supports

  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

  • Siri

    Get things done within this app using just your voice.

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Источник: https://apps.apple.com/us/app/u-s-bank/id458734623

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How to Open A US Bank Account as a Tourist or Non-Resident (Without SSN) - December 2019

How To Open A Bank Account As A Non-U.S. Citizen

A bank account can help set a solid foundation for your financial life. Fortunately, a non-U.S. citizen can open a bank account in the U.S. However, they may need to come up with different identification than U.S. citizens who are trying to open a bank account.

Under the USA PATRIOT Act, banks, credit unions and some other financial institutions must check the identity of anyone who wants to open a bank account. Federal lawmakers imposed that requirement following Sept. 11, 2001 to combat the funding of terrorist activities. Foreign terrorists who carried out the 9/11 attacks used U.S. bank accounts to fund their mission.

When you apply to open a checking or savings account at a bank or credit union in the U.S., the financial institution will need to verify your name, date of birth, address and ID number. If you’re a non-U.S. citizen, ID requirements may not be identical to those for a U.S. citizen, though.

Keep in mind that a financial institution may let a non-U.S. citizen open an account, but not all banks extend that ability to a non-resident alien. For tax purposes, the IRS defines an alien as someone who is not a U.S. citizen or U.S. national. A non-resident alien has not passed the green card test or the “substantial presence” test.

Requirements for Opening a Bank Account

A bank or credit union’s general requirements to open an account may include:

  • Your contact information, such as name, address and phone number
  • At least two forms of government-issued ID, such as a valid driver’s license or passport
  • Social Security number or Individual Taxpayer Identification Number (ITIN) (If you’re a non-citizen and don’t have a Social Security number, you’ll likely need to have an ITIN.)
  • Utility bill with current address
  • Cash deposit (normally $25 to $100)

Requirements may vary depending on the state or financial institution.

Whether you’re a U.S. citizen or non-U.S. citizen, you typically must be at least 18 years old to set up a checking or savings account and typically must have a U.S. address. It also is possible for an undocumented immigrant—a foreign-born person who has no legal right to be or remain in the U.S.—to open a bank account in the U.S. Key requirements include having an ITIN and a U.S. address.

In most cases, bathing suit store in roosevelt field mall non-U.S. citizen cannot open an account online. Instead, you’d need to visit a branch for a bank or credit union to open an account. Santander Bank, for example, accepts online applications only from U.S. residents or resident aliens who have a Social Security number or ITIN.

Alternatives for Identification

Banks and credit unions typically accept alternative forms of ID for non-U.S. residents.

For instance, if you don’t have a Social Security number, you may be able to obtain an ITIN that can be used to open an account. The Social Security Administration issues nine-digit Social Security numbers, while the IRS issues nine-digit individual ITINs. ITINs are available only to certain non-resident and resident aliens, their spouses and can you open a savings account online us bank dependents who can’t get a Social Security number.

Some financial institutions won’t accept an ITIN in place of a Social Security number.

Requirements for other types of ID from non-U.S. citizens can vary among banks and credit unions. Bank of America, for example, spells out these identification requirements.

For a primary ID, Bank of America wants one of the following:

  • Foreign passport with or without a visa.
  • U.S. non-immigrant visa and border crossing card.
  • Mexican, Guatemalan, Dominican or Colombian consular ID.
  • Canadian citizenship certificate card.

For a secondary ID, Bank of America asks for one of the following:

  • Foreign driver’s license (or U.S. driver’s license).
  • U.S.-issued work ID card or badge.
  • Debit or major credit card bearing a Visa or Mastercard logo.
  • Retail credit card from a nationally known company.
  • Major retail credit credit one number from a nationally well-known company.
  • U.S. State Department ID.
  • Mexican voter registration card.

Some banks or credit unions may accept an alien registration number card from a non-U.S. citizen who’s trying to open an account. The seven- to nine-digit alien registration number can be found on various documents, such as a green card, from the U.S. Citizenship and Immigration Services.

How To Apply for an ITIN

Here are the steps for getting an ITIN:

  • Fill out a W-7 application form and submit it to the IRS along with your completed tax return. You don’t need to apply for an ITIN at an IRS location. However, you can file the application in person.
  • Submit original documents that verify your identity and your status as a foreigner. The IRS accepts 13 documents for this verification process.

Banks and Credit Unions That Accept Alternative IDs

Many large banks in the U.S. accept alternative IDs from a non-U.S. citizen trying to open an account. These include Bank of America, Chase, TD Bank, US Bank and Wells Fargo.

Some credit unions also accept alternative forms of ID. The more than 100 banks and credit unions affiliated with the BankOn platform, which helps low- to moderate-income people set up bank accounts, also may accept alternative IDs.

Alternative Accounts for Non-U.S. Citizens

If you’re a non-U.S. citizen who can’t qualify for an account at a U.S. bank or credit union, you might consider these options:

  • Rely on a bank in your home country. Some foreign banks have relationships with U.S. banks. If your bank is one of them, it might be able to help you open an account at a U.S. bank.
  • Open an offshore account. This type of account, also known as an overseas account, is at a bank that’s not in your home country or in the country where you’re living. The income and deposit requirements for these accounts can be quite high, though.

Benefits of Opening a Bank Account

Opening a bank account comes with a number of benefits. These may include:

  • Gaining financial security. Most checking and savings accounts are insured up to certain limits by the Federal Deposit Insurance Corp. (FDIC) or the National Credit Union Administration (NCUA).
  • Using debit cards. Many banks and credit unions offer debit cards to accountholders. With a debit card, you can withdraw money from an ATM, make an online purchase or pay for in-store purchase.
  • Getting access to direct deposit. This enables your paycheck to automatically go into your account.
  • Paying bills. You may be able to pay bills by check or online, rather than purchasing money orders to pay them.
  • Building a financial history. Putting better habits in place can help you borrow money to, for instance, buy a home or a car.
  • Boosting your chances of getting a loan. If you have an account at a bank or credit union, that financial institution may be more likely to lend money to you because you already have a relationship with them.
  • Avoiding fees. With your own bank account, you don’t have to depend on pricey check-cashing services.

Bottom Line

While it may require a bit more time and effort to open a U.S. bank account as a non-U.S. citizen, the benefits of doing so outweigh the steps required. It also will pay to shop around, as different banks have different practices and requirements for opening a first U.S. bank account.

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Источник: https://www.forbes.com/advisor/banking/non-us-citizen-open-bank-account/

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