SoFi for ITIN holders

SoFi Checking and Savings is offered by SoFi Bank, N.A., an app-only US bank with no physical branches. When you open SoFi Checking and Savings, SoFi asks for a Social Security number or an Individual Taxpayer Identification Number (ITIN), so an ITIN can be used in place of an SSN. The account is open to applicants who are at least 18, have a US physical address, and select a citizenship status of US citizen, permanent resident, or non-permanent resident. SoFi lists a $0 minimum opening deposit and no account or monthly fees (verified 2026-06-30).

Key facts

ItemInformation
Accepts ITIN✅ Yes (SSN or ITIN)
Bank typeApp-only / online (SoFi Bank, N.A., no branches)
Citizenship status acceptedUS citizen, permanent resident, non-permanent resident
Minimum age18
Account / monthly fee$0
Minimum opening deposit$0
Spanish supportNot stated — confirm with SoFi

Pros

  • Accepts an SSN or ITIN to open SoFi Checking and Savings
  • Open to non-permanent residents who are 18+ with a US physical address
  • $0 minimum opening deposit and no account or monthly fees (verified 2026-06-30)
  • Opened entirely online through the SoFi app — no branch visit required

Cons

  • App-only — SoFi Bank, N.A. has no physical branches for in-person help
  • Requires a US physical address and a date of birth showing you are 18 or older
  • Spanish-language support is not stated — confirm availability with SoFi

How to open an account with ITIN

  1. Open the SoFi app or visit SoFi to start the SoFi Checking and Savings application
  2. Enter your name, US physical address, and date of birth (you must be 18+)
  3. Select your citizenship status — US citizen, permanent resident, or non-permanent resident
  4. When asked for your taxpayer identification, enter your SSN or ITIN
  5. Complete identity verification and wait for approval

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.