Opening a US bank account
Most banks will open a checking account for a newcomer, and many accept an ITIN or passport if you don't have an SSN yet. The thing to watch is monthly fees.
Most banks will open a checking account for a newcomer, and many accept an ITIN or passport if you don't have an SSN yet. The thing to watch is monthly fees.
Key points to understand
What you'll need: photo ID/passport, proof of address, and an SSN or ITIN
What you'll need: photo ID/passport, proof of address, and an SSN or ITIN. In practice, this is one of the details newcomers most often ask about, so take a moment to understand how it applies to your situation before moving on.
Checking vs savings, and how to avoid monthly maintenance and overdraft fees
Checking vs savings, and how to avoid monthly maintenance and overdraft fees. In practice, this is one of the details newcomers most often ask about, so take a moment to understand how it applies to your situation before moving on.
Check the bank is FDIC-insured so your money is protected
Check the bank is FDIC-insured so your money is protected. In practice, this is one of the details newcomers most often ask about, so take a moment to understand how it applies to your situation before moving on.
Practical tips
- Prepare your documents and translations in advance — most delays come from missing paperwork.
- Always note the office name, address, and a contact number before you go.
- Ask the community on MyHAbroad if you’re unsure — chances are someone has already been through it.
Always verify with official sources before acting on the information above.
MyHAbroad is an independent app and is not affiliated with, endorsed by, or representing any government or public authority. Content is general information only — not legal, tax, medical, or financial advice. Always confirm details with the official sources above before acting.