Introduction
If you’re a non-resident or visitor, opening a U.S. bank account can offer easier access to international transfers, U.S. payments, and financial security. But how to open bank account for foreigner in USA? Here’s your complete 2025 guide.
Can a Foreigner Open a Bank Account in the U.S.?
Yes, foreigners can open U.S. bank accounts, but the process varies depending on visa status, residency, and the bank’s policies. Both personal and business accounts are available to non-residents.
Documents Required
Most U.S. banks will require the following from foreigners:
- Valid passport
- U.S. visa (if applicable)
- Secondary ID (foreign driver’s license or national ID card)
- U.S. address (can be a friend’s or relative’s, or hotel address)
- ITIN or SSN (Some banks accept only SSN, but others allow ITIN)
- Immigration documents (if on work or student visa)
- Proof of address in home country (bank statement or utility bill)
Best Banks for Foreigners in the USA
Some banks are more foreigner-friendly. Here are the top options in 2025:
1. Bank of America
Offers non-resident accounts with a valid passport and U.S. address.
2. Wells Fargo
Accepts foreigners with proper ID and visa documentation.
3. Chase Bank
Great for international students and visitors with valid ID and proof of address.
4. Citibank
Ideal for global clients, especially if you already bank with Citibank in your home country.
How to Open Bank Account for Foreigner in USA: Step-by-Step
Step 1: Choose the Right Bank
Pick a bank that accepts foreign applications. Confirm their required documents before applying.
Step 2: Visit a Branch (Recommended)
Most banks require in-person visits for foreigners. Bring all required documents with you.
Step 3: Fill Out the Application
Provide personal details, immigration status, and contact information.
Step 4: Make a Minimum Deposit
Most U.S. banks require a deposit between $25–$100 to activate the account.
Step 5: Set Up Online Banking
Once approved, you can enroll in digital banking to manage your account remotely.
Tips for Foreigners Opening U.S. Bank Accounts
- Bring all original documents
- Use a friend’s U.S. address for communication
- Request international debit card access
- Avoid banks that require SSN only if you don’t have one
- Consider fintech alternatives like Wise or Payoneer if rejected by traditional banks
Final Thoughts
Understanding how to open bank account for foreigner in USA helps non-residents gain access to U.S. financial services with ease. While it may take some effort, having a U.S. bank account simplifies everything from business transactions to everyday spending.
