Banks that accept ITIN in Washington
Washington at a glance
Washington is home to about 1,206,843 foreign-born residents (15.4% of the state’s 7,816,116 people) and 1,123,614 residents of Hispanic or Latino origin (14.4%), per the U.S. Census Bureau’s American Community Survey (2024 5-year estimates). The procedures below apply to everyone in Washington regardless of immigration status unless noted.
Yes, you can open a bank account in Washington using your ITIN — both at app-only banks that accept an ITIN (Varo, SoFi) and at traditional banks with branches in your area.
| Banking landscape in Washington — FDIC data | |
|---|---|
| Insured branches | 1,368 FDIC-insured bank branches, from 68 different banks, operate in Washington |
| Largest branch networks | JPMorgan Chase Bank (150) · KeyBank (139) · U.S. Bank (136) · Bank of America (119) · Columbia Bank (118). A big network does NOT guarantee ITIN acceptance — call the branch and ask for its ITIN account-opening policy |
| Big banks in Washington | Bank of America: 119 branches · Wells Fargo: 112 · Chase: 150 |
Source: FDIC BankFind API, data as of 2026-06-10. ITIN policies vary by bank and even by branch — always confirm before visiting.
Digital neobanks (available in Washington)
These operate 100% online and accept ITIN without requiring physical presence. Work in all 50 states.
- Varo — own US national bank charter; its own terms accept an SSN or ITIN; $0 monthly fee
- SoFi — accepts an SSN or ITIN and is open to non-permanent residents; $0 monthly fee
Chime, Current, and Self list a Social Security number as required on their own current pages, so they are not ITIN-only options.
Traditional banks with physical branches in Washington
- Bank of America — verify local branches on their website. Generally accept ITIN for opening checking and savings accounts.
- Wells Fargo — verify local branches on their website. Generally accept ITIN for opening checking and savings accounts.
- Chase — verify local branches on their website. Generally accept ITIN for opening checking and savings accounts.
Note: policies can vary by branch. Some branches in non-Hispanic areas may be less familiar with ITIN — push back or go to another branch.
Credit unions in Washington — often the most ITIN-flexible option
| Credit unions in Washington — NCUA data | |
|---|---|
| Branches | 668 credit-union branches, from 103 different credit unions, operate in Washington |
| Largest networks | Boeing Employees (69) · Gesa (44) · Spokane Teachers (41) · Harborstone (32) · Global (29). A big network does NOT guarantee ITIN acceptance — ask the credit union for its ITIN account-opening policy |
| Nationwide | 147,047,527 people are members of about 4,336 federally insured credit unions |
Source: NCUA Quarterly Call Report Data, 2026 Q1 (data as of 3/31/2026). Branch presence is not an ITIN-policy signal — always confirm before visiting.
Credit unions are member-owned, not-for-profit cooperatives. Many — especially community development credit unions and those carrying Inclusiv’s Juntos Avanzamos designation — open accounts with an ITIN plus a passport or matrícula consular, and several are more flexible than big banks. You must be eligible to join (by where you live, where you work, or an association you belong to), but many have an easy community-based membership path. Acceptance still varies by credit union, so call and ask for its ITIN account-opening policy before you go.
- Find one: the Inclusiv Juntos Avanzamos network — a national directory of credit unions certified for their commitment to Hispanic and immigrant communities.
- Learn how they work: MyCreditUnion.gov, the NCUA’s consumer site.
Credit-building products in Washington
Available to all ITIN holders regardless of state:
- Self Credit Builder Account — $25-$150/month, reports to 3 agencies over 12-24 months
- OpenSky Secured Visa — no credit check, $200 deposit
- Capital One Quicksilver Secured — 1.5% cashback, no annual fee
See: Building credit with ITIN step by step
Related information
Last verified: 2026-06-30.
General procedural information for educational purposes. Not legal, tax, or immigration advice. Laws and fees change — verify with the issuing agency before taking action. For case-specific guidance, consult a licensed immigration attorney or other appropriate professional.
Related procedural information
- ITIN — taxpayer ID for banking — required to open most accounts without SSN
- ITIN mortgages — home loans — qualifying without SSN
- Form an LLC for business banking — separate business and personal finances
- Find legal aid for banking disputes — consumer-protection attorneys
- Consulate of your country — many provide ITIN-friendly bank referrals
ITIN bank account context (2025-2026)
The Individual Taxpayer Identification Number (ITIN) is a 9-digit IRS number (begins with 9) used for tax filing by individuals without Social Security Numbers. Form W-7 (Application for ITIN) is filed with the IRS, NOT USCIS. Processing time approximately 7 weeks for mail-in to Austin Service Center. ITIN-only banking is fully legal under 31 CFR 1020.220 (Customer Identification Program rules); banks rated NCUA/FDIC are not required to refuse ITIN customers.
Major banks that document ITIN account opening include Bank of America, Wells Fargo, Citibank, and Chase — ITIN-only applicants usually open in person at a branch. App-only banks whose own current terms accept an SSN or ITIN include Varo and SoFi, and most credit unions are ITIN-flexible. Note: Chime, Current, and U.S. Bank personal accounts require a Social Security number under their own current terms, and Self’s credit-builder requires an SSN plus U.S. citizenship or permanent residency. Required documents for ITIN account opening typically: (1) Valid government-issued photo ID (passport or consular ID / matrícula consular), (2) ITIN letter from IRS, (3) Proof of US address (utility bill, lease, USPS forwarding confirmation), (4) Initial deposit varies ($25-$100 typical).
The 2026-05-29 H.R.1 / OBBBA changes did NOT affect ITIN banking eligibility. The Bank Secrecy Act (31 USC 5311) requires Currency Transaction Reports (CTRs) for cash transactions over $10,000, applied uniformly regardless of ITIN/SSN status. Suspicious Activity Reports (SARs) similarly apply uniformly.
ITIN mortgage lending: portfolio CDFI (Community Development Financial Institution) lenders and select community banks offer non-QM ITIN mortgages with typically higher rates (1-2% above FHA), larger down payments (20%+), and shorter terms (15-30 years). Form 1099-INT is issued by banks for interest earned (you must report on Form 1040 with ITIN). Consult /procedures/itin/ for the federal ITIN procedure and /banking/itin-mortgages/ for home loan options.
Contact IRS for ITIN questions: 1-800-829-1040 Monday-Friday 7:00am-7:00pm local time. For TAC ITIN appointments: 1-800-829-4933 (business hours). For ITIN scam concerns: report to FTC at reportfraud.ftc.gov or call 1-877-FTC-HELP.