Wells Fargo for ITIN holders

Wells Fargo is a large traditional bank with physical branches that accepts an ITIN in place of a Social Security Number to open a deposit account. As of June 30, 2026, the bank’s account FAQs list either a Social Security Number (SSN) or an Individual Taxpayer Identification Number (ITIN) as acceptable, and Wells Fargo operates a full Spanish-language website.

One detail to plan around: the online application is available only if you are 18 or older and a permanent U.S. resident. If you are under 18 or a non-permanent U.S. resident, Wells Fargo says you must make an appointment to apply in person at a branch.

Key facts

ItemInformation
Accepts ITINYes — SSN or ITIN
Bank typeTraditional bank (national branches)
Example accountEveryday Checking
Minimum opening deposit$25 (Everyday Checking)
Monthly service fee$15 (Everyday Checking) — waived to $0 with a qualifying condition
Online applicationAvailable only if 18+ and a permanent U.S. resident
Under 18 / non-permanent residentMust apply in person at a branch by appointment
Spanish supportYes — full Spanish-language website

Pros

  • Accepts an ITIN in place of an SSN to open a deposit account.
  • Full Spanish-language website.
  • The $15 Everyday Checking monthly service fee can be waived to $0 several ways — for example $500+ in qualifying electronic deposits, a $1,500 minimum daily balance, or a primary owner age 17-24 (other listed conditions also apply).
  • Traditional bank with physical branches, so you can get in-person help.

Cons

  • The $15 monthly service fee applies if you do not meet a waiver condition for the month.
  • A $25 minimum opening deposit is required to open Everyday Checking.
  • Non-permanent residents cannot complete the application online — you must make an appointment and apply in person at a branch.

How to open an account with ITIN

  1. Confirm you have an SSN or ITIN — Wells Fargo accepts either to open a deposit account.
  2. If you are 18 or older and a permanent U.S. resident, you can apply online for an account such as Everyday Checking.
  3. If you are under 18 or a non-permanent U.S. resident, make an appointment to apply in person at a Wells Fargo branch.
  4. Bring your identity documents, including your ITIN, to verify your identity.
  5. Fund the account with the $25 minimum opening deposit for Everyday Checking.
  6. To avoid the $15 monthly service fee, plan to meet one of the waiver conditions (for example, $500+ in qualifying electronic deposits or a $1,500 minimum daily balance). Confirm the current waiver list with Wells Fargo.

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 or institution before taking action. For case-specific guidance, consult a licensed immigration attorney or other appropriate professional.