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Which banks accept an ITIN?

Short answer

Wells Fargo, Bank of America, Capital One, PNC and Huntington all list an ITIN as a tax ID you can use to open a checking account. Federal rules let any US bank accept an ITIN instead of an SSN, but each bank sets its own policy, and some only take an ITIN in a branch.

Checked against 7 official sources
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By · Founder of ITIN Club

Updated

Banks that say they take an ITIN

These are the banks' own account pages. Each one names the ITIN, or says it doesn't need an SSN.

Requirements change by branch and account. Check the bank's page before you go.
BankHow you open it with an ITINWhat else it asks for
Wells Fargo Everyday CheckingOnline or in a branchOnline, you must be 18 or older and have a physical US address and your own mobile number. In a branch, two IDs: passports and consular cards from Colombia, Guatemala or Mexico count as a primary ID
Bank of America account for non-US citizensIn a financial center, by appointmentTwo unexpired IDs, such as a foreign passport and a driver's license. Bank of America says it doesn't require an SSN
Capital One 360 CheckingOnline, with your SSN or ITIN as the tax IDYour date of birth, address, employment, income and citizenship details
PNC checkingOnline or in a branch. Without an SSN, you may need to go to a branchA US government photo ID such as a driver's license or a passport, your date of birth and your home address
Huntington checkingOnline, with your SSN or ITINA government photo ID, your current address and money for the first deposit
BMO checkingNot stated. The online form asks for an SSN and US citizenshipNon-citizens can apply by phone or in a branch

Why a bank can say no

The Customer Identification Program rule asks banks for a taxpayer ID number, and an ITIN is one. It sets the minimum, not a right to an account. A bank can still ask for more or turn you down, and online forms are often stricter than branches. See whether you need an SSN for the full rule.

Before you apply

  1. 1

    Have your ITIN at hand

    You need the number, not a card. If you lost it, see how to find your ITIN.

  2. 2

    Gather your documents

    Most banks want a photo ID, your address and an opening deposit. Make your list with the bank account document checklist.

  3. 3

    Call the branch first

    If a bank's website only mentions an SSN, ask the branch if they open accounts with an ITIN or with a passport. Branch rules can differ from the online form.

Want the full picture?

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Related questions

Sources

  1. Wells Fargo: identification required to open Everyday Checkingwellsfargo.com
  2. Bank of America: accounts for non-US citizensinfo.bankofamerica.com
  3. Capital One: what you need to open 360 Checkingcapitalone.com
  4. PNC: checking accountspnc.com
  5. Huntington: checking accountshuntington.com
  6. BMO: checking accountsbmo.com
  7. 31 CFR 1020.220: Customer Identification Programecfr.gov

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