Bank of America for ITIN holders

Bank of America accepts an ITIN to open a deposit account. According to its account-application FAQ (verified 2026-06-30), a non-permanent resident “must be able to provide both your permanent (foreign) and local address, as well as your ITIN,” and “U.S. visa holders currently living in the U.S. may open an account in person at one of our financial centers.” Because the streamlined online application asks for a Social Security number, ITIN holders should open the account in a branch (financial center).

A notable strength: Bank of America explicitly lists consular IDs from Mexico, Guatemala, the Dominican Republic, and Colombia among the primary photo IDs it accepts — useful for customers without a foreign passport on hand.

Key facts

ItemInformation
Accepts ITIN✅ Yes (open in branch)
Bank typeTraditional bank (national branch network)
Application pathIn person at a financial center (online application asks for an SSN)
Primary photo ID acceptedForeign passport, US visa, Border Crossing Card, Canadian Citizenship card, or consular ID from Mexico, Guatemala, Dominican Republic, or Colombia
Also requiredSecondary ID + proof of US residency; permanent (foreign) and local US addresses
Monthly fee / minimum depositVaries by account — not stated on the FAQ; confirm at a financial center
Spanish supportYes (En Espanol site + interpretation in many languages)

Pros

  • Opens accounts for ITIN holders who are non-permanent residents, per its published FAQ
  • Accepts consular IDs from Mexico, Guatemala, the Dominican Republic, and Colombia as a primary photo ID
  • Large national network of financial centers — useful for cash deposits and in-person help
  • En Espanol website and interpretation in many languages

Cons

  • ITIN accounts are opened in person, not through the streamlined online application (which asks for a Social Security number)
  • Requires more documents than many neobanks — a primary ID, a secondary ID, proof of US residency, and both your foreign and US addresses
  • Monthly fee and minimum opening deposit are not published on the application FAQ and vary by account — confirm before you go

How to open an account with ITIN

  1. Gather a primary photo ID — a foreign passport, US visa, Border Crossing Card, Canadian Citizenship card, or a consular ID from Mexico, Guatemala, the Dominican Republic, or Colombia — plus a secondary ID and proof of US residency.
  2. Have both addresses ready: your permanent (foreign) address and your local US address.
  3. Bring your ITIN.
  4. Open the account in person at a Bank of America financial center — the online application asks for a Social Security number.
  5. Ask for service in Spanish if you need it (En Espanol site and interpretation are available).
  6. The banker verifies your documents and opens the account.

General procedural information for educational purposes. Not legal, tax, or immigration advice. Laws and bank policies change — verify with Bank of America before taking action. For case-specific guidance, consult a licensed immigration attorney or other appropriate professional.