How to Open a U.S. Bank Account for Non-Residents

Opening a U.S. bank account as a non-resident isn’t just possible—it’s more common than ever. Whether you’re a freelancer working with U.S. clients, a digital nomad getting paid in dollars, an international student studying in the States, or a non-resident business owner, having a U.S. bank account can make life easier.

That said, the process isn’t always straightforward. Many non-residents run into roadblocks like not having a Social Security number, a U.S. address, or a U.S. phone number. Some banks require in-person visits. Others won’t open accounts for people without a U.S. credit history.

This guide clears up the confusion. We’ll walk you through how to open a U.S. bank account as a non-resident, what documents you’ll need, and which banks are easiest to work with in 2025—whether you’re applying online or in person.

Who Qualifies as a Non-Resident?

A non-resident is someone who doesn’t live in the United States or isn’t considered a U.S. tax resident. But not all non-residents are the same in the eyes of banks.

Some people are U.S. citizens living abroad. Others are non-U.S. citizens who live outside the U.S. full-time. Then there are foreign nationals who spend time in the U.S. for school, work, or business, but don’t have permanent residency.

Here’s how banks typically view the differences:

• U.S. non-citizens – Includes green card holders, visa holders, and undocumented immigrants. Some banks may work with these customers depending on their documentation.
• Non-resident aliens – People who are not U.S. citizens or green card holders and do not pass the IRS “substantial presence” test. This group includes most foreigners trying to open U.S. accounts from abroad.
• Expats – U.S. citizens living overseas. While they are not non-residents legally, they may still need remote account access or accounts that don’t rely on U.S. addresses.

These distinctions matter because U.S. banks must comply with strict Know Your Customer (KYC) and Anti-Money Laundering (AML) rules. Who you are and where you live determines what documents you’ll need, and whether a bank can legally approve your application.

Can a Non-Resident Open a U.S. Bank Account?

Yes, non-residents can open U.S. bank accounts—but there are some limitations.

Some traditional banks still require an in-person visit to a branch in the United States. Others work only with residents who have a U.S. Social Security number or Individual Taxpayer Identification Number. That’s where fintech companies and international banks fill the gap.

The key difference comes down to the type of account and how the bank handles identity verification:

• In-person accounts – Most major banks like Chase, Bank of America, and Wells Fargo require applicants to visit a U.S. branch with original documents. These are good options if you’re planning to travel to the U.S.
• Online accounts – Fintech platforms like Wise, Payoneer, and Mercury offer accounts that can be opened remotely. These usually require digital verification and may not need a U.S. address or SSN.

While many banks are allowed to open accounts for non-residents, not all of them choose to. Internal policies, fraud concerns, and compliance costs make some banks more restrictive than others.

Best U.S. Bank Accounts for Non-Residents of 2025

Non-residents have more options than ever when it comes to opening a U.S. bank account. Whether you’re visiting in person or applying online, there are banks and fintech platforms that make the process easier in 2025.

Best Online & Fintech Options (Remote/Borderless Accounts)

If you can’t visit a U.S. bank in person, online banking platforms and fintech companies offer an alternative. Some of these accounts are open to non-residents without a U.S. address, SSN, or ITIN—though requirements vary by provider.

Here are the best remote-friendly options for 2025.

Best Traditional Banks That Allow Non-Residents (In-Person Application)

If you’re able to visit the U.S., some major banks will let you open an account with just a passport and secondary ID. Policies vary by location, but these banks are generally open to working with non-residents.

Here are the best traditional banks for non-residents in 2025, based on flexibility, ease of account opening, and availability across the U.S.

Requirements to Open a U.S. Bank Account as a Non-Resident

Different banks have different requirements, but most ask for a few key documents to verify your identity and comply with U.S. regulations.

What Documents Are Usually Needed?

• Valid passport – This is the most important ID. Some banks may also ask for a visa if you’re visiting the U.S.
• Secondary ID – This could be a driver’s license, national ID card, or government-issued document from your home country.
• U.S. mailing address – Not all banks require this, but some may ask for one. It can be a friend’s address, a business address, or a virtual mailbox.
• Individual Taxpayer Identification Number (ITIN) or Social Security number (SSN) – Not always required, especially by fintechs or international banks. But having one expands your options.
• Proof of funds or source of income – Some banks may want to know where your money is coming from to comply with anti-money laundering laws.

Optional But Helpful:

• U.S. phone number – Not required by all banks, but it can simplify verification and online banking access.
• U.S. business entity – If you’re opening a business bank account, having a U.S.-registered LLC or corporation can help you qualify with more providers.

Common Challenges and How to Overcome Them

Opening a U.S. bank account as a non-resident isn’t always plug-and-play. Below are the most common hurdles and how to work around them.

No SSN or ITIN? Here’s What to Do

Many non-residents don’t have a Social Security number or an ITIN. While that can limit your options, it doesn’t shut the door completely.

How to Apply for an ITIN (If Needed)

If you plan to stay in the U.S. or earn income from U.S. sources, applying for an ITIN may be worth it. You can request one by filing IRS Form W-7, either directly with the IRS or through a Certified Acceptance Agent. You’ll need to provide a valid reason (like opening a U.S. bank account) along with ID documents.

Which Banks Don’t Require Either

Some banks allow account opening without an SSN or ITIN, especially for non-interest-bearing accounts. These include:

• Chase – Accepts passport and proof of U.S. address
• PNC – May accept W-8BEN instead of an ITIN
• Wise – No SSN or ITIN required; remote access available
• Revolut – Open to many global users with standard ID

Policies vary by branch or region, so call ahead to confirm before applying.

No U.S. Address?

Many banks ask for a U.S. mailing address—even if they don’t mail you anything. Fortunately, there are workarounds.

Alternatives: Virtual Mailbox, Friend’s Address, Your Business Address

You can often use:

• A virtual mailbox service that gives you a physical U.S. address (not a PO Box)
• A friend or family member’s address, with their consent
• Your business entity’s registered address, if you formed a U.S. LLC

Just make sure the address can accept physical mail in case the bank sends a debit card or paperwork.

Trouble With Verification?

Banks are required to verify your identity and source of funds. If you’re flagged during the application process, it doesn’t always mean rejection—it just means more documentation may be needed.

How to Prepare for Bank Compliance Requests

To avoid delays, have these ready:

• A recent utility bill or lease agreement
• Proof of income (like pay stubs or tax forms)
• A bank reference letter from your home country

Some banks may ask for video verification or an in-branch ID check.

Tips for Faster Approval

• Use a U.S. address tied to your name (not a PO Box)
• Apply during business hours to get support quickly
• Choose accounts that don’t require interest reporting if you don’t have an ITIN

Tips for Managing a U.S. Bank Account From Abroad

Once your account is open, managing it from overseas is mostly about staying connected and avoiding unnecessary fees.

How to Fund Your Account From Overseas

Most banks and fintech platforms support incoming wire transfers. You can also use services like Wise or Revolut to send funds at low cost.

Some platforms let you connect international debit cards or convert currencies before sending.

Avoiding International Transfer Fees

Use fintechs that offer U.S. routing numbers and avoid traditional banks that charge high wire fees. Services like Wise, Payoneer, or Revolut often beat bank rates on both fees and exchange.

Online Banking Access and Mobile App Support

Stick with banks that offer full mobile access. Most major banks and fintechs allow you to:

• Transfer funds
• View balances
• Freeze your card
• Pay U.S. bills online

Make sure your bank supports international login access—some may block logins from outside the U.S.

Currency Conversion Tips

If you’re earning in a foreign currency, use services that offer mid-market rates with low markup. Wise and Revolut do this well. Avoid banks that convert at retail exchange rates or charge hidden spread fees.

Is It Legal to Open a U.S. Bank Account as a Non-Resident?

Yes—opening a U.S. bank account as a non-resident is legal as long as you meet the identity verification and compliance rules.

Yes—If You Follow AML/KYC Rules

Banks must verify your identity under Know Your Customer (KYC) and Anti-Money Laundering (AML) laws. As long as you provide valid ID, a legitimate source of funds, and meet their internal requirements, you’re in the clear.

Tax Implications to Be Aware Of (FATCA, FBAR If Applicable)

If you’re not a U.S. taxpayer, you likely don’t need to file U.S. tax returns. However:

• If you open an interest-bearing account, the bank may report your account under FATCA
• If you become a U.S. taxpayer later (e.g., via green card or residency), you may be required to file an FBAR for any foreign accounts over $10,000 in value

When in doubt, speak to a cross-border tax advisor.

Final Thoughts

You don’t need to be a U.S. resident—or even step foot in the U.S.—to open a bank account. The best option depends on whether you can apply in person or need a fully remote solution.

Chase and Bank of America are great for non-residents applying in person. Wise and Revolut are better for remote access with fewer documentation hurdles. Whatever you choose, check account fees, ID requirements, and application policies before you apply.

The right bank account can save you time, simplify payments, and help you do business in U.S. dollars—without the red tape.