ITIN-friendly bank state filter — find banks accepting ITIN in your state
Interactive filter showing which banks accept ITIN in your US state. Personal + business banking options, online vs in-branch, minimum deposits, requirements. Updated 2024.
This list is general and informational. Policies and requirements vary — always verify with the bank. Not an endorsement. Not financial advice.
ITIN-friendly bank state filter
Select your state above to see which banks and credit unions open accounts with an ITIN (no Social Security number needed) — including personal vs business options, online vs in-branch, and minimum deposits. Below is how to use it and what to expect.
How to use the filter
Pick your state.
Toggle online application if you’d rather not visit a branch, and business accounts if you need one for a company.
You’ll see the matching banks/credit unions with how to apply and what they typically require.
Policies vary by bank and by branch, so if one says no, try another — many will.
What to bring to open an account
Your ITIN (the card or IRS assignment letter)
A second ID — passport or consular ID (matrícula consular) is best
Proof of US address — a lease, utility bill, or statement
An opening deposit (often $0–$100)
Online vs in-branch
Online (fastest, ~10–15 min): several banks and most neobanks let you open fully online with an ITIN.
In-branch: some traditional banks prefer to verify ITIN documents in person, and a banker can resolve edge cases. Call ahead to confirm.
Is my money safe?
Yes — deposits at FDIC-insured banks and NCUA-insured credit unions are protected up to $250,000 per depositor, regardless of immigration status. Banks verify identity (Know Your Customer rules) but do not check or report immigration status.
Two tips
For a business account, also get a free EIN from the IRS (about 15 minutes online) — see forming an LLC.
Never pay a “notario” or consultant to “help you open an account.” Everything here you can do yourself for free.
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.
Frequently asked questions
Do banks check immigration status when opening account with ITIN?+
NO. US banks legally cannot deny accounts based on immigration status alone. They verify your identity (passport, ITIN, address) but don’t share with USCIS/ICE. FDIC and FinCEN regulations require Know Your Customer (KYC) but not status verification.
What documents do I need to open ITIN bank account?+
Original ITIN card or letter from IRS, 2) Passport (preferable) or matrícula consular, 3) Proof of US address (utility bill, lease, or bank statement), 4) Sometimes: SSN of US tax-filing entity (if business account).
Can I open ITIN bank account online or do I need to visit branch?+
DEPENDS on bank. Online-only options: Bank of America Advantage Plus, Citi, Capital One 360, BlueVine (business), Mercury (business). Branch-only: Chase, Wells Fargo, TD Bank, PNC, US Bank. Online process generally faster (10-15 min) but branch can resolve ITIN edge cases.
Are credit unions or community banks better for ITIN than big banks?+
Often YES. Community banks and credit unions in immigrant-heavy areas frequently have specific ITIN programs with bilingual staff, lower minimums, and better service. Try: Northgate Gonzalez (Latin grocery chain), Banco Popular, Self-Help Federal Credit Union, Latino Community Credit Union.