Tuesday, January 18

How to open a bank account in the United States | Digital Trends Spanish


Opening a bank account is a basic requirement when you become an adult, especially when you enter the world of work. If you live in the United States, either because you were born there or because you came to the country for work reasons, sooner or later you will need a bank account. In this guide we will tell you how to open a bank account in the United States, more if you lack a Social Security Number (SSN) or ITIN, which is the Tax Identification Number used in the United States.

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How to open a bank account in the United States

If you live and work in the United States, chances are that you already have your Social Security Number (SSN), which is basically an identifier that verifies that you work legally in the United States. Make no mistake, having a Social Security Number does not give you access to health services in the country, as it does in other territories with a Welfare State, such as Mexico or France.

If you will work in the United States legally with an H-2 work visa, it is likely that you have already filled out the format to obtain your Social Security Number online.

Another piece of information that a bank in the United States normally requests to open a bank account is the Tax Identification Number or ITIN, that you can process online just by filling out some forms.

If you have these documents, as well as an official United States identification, such as a driver’s license, you can open an online savings account at banks such as Citi, Bank of America, Wells fargo, JP Morgan, among other institutions.

Also, don’t worry if you don’t have an SSN or ITIN. Several “traditional” banks in the United States offer bank accounts to immigrants who do not have a work permit.

Open a bank account in the United States for non-residents

A Bank of America ATM in San Francisco, California

Several banks in the United States offer accounts for people without a Social Security Number or ITIN. Among them are Bank of America, US Bank, Chase Bank, TD Bank, Citibank, HSBC and Wells Fargo.

For convenience, we will explain how open a bank account in the United States for non-residents at Bank of America:

He passed one: go to the Bank of America page and review the account options that best suit you. Consider that they all charge commissions, however, you can avoid them with recurring deposits or maintaining a minimum balance.

Open a bank account in the United States for non-residents

Step 2: since you do not have a Social Security Number (SSN) or ITIN, you must request an appointment with a Bank of America representative. On the page where you request the appointment, choose the option Everyday banking.

Open a bank account in the United States for non-residents

Step 3: next, choose the option Open a new account.

Open a bank account in the United States for non-residents
Open a bank account in the United States for non-residents

Step 4: now select which method you prefer to have your appointment. We suggest you do it at a bank branch; You can find the closest one by your zip code. We use 94108, from San Francisco, California.

Open a bank account in the United States for non-residents

Step 5: After selecting the branch closest to your home, choose the date and time of the appointment.

Open a bank account in the United States for non-residents

He passed 6: now you must enter your personal data such as name, address, an email account and a phone number where you can be contacted.

Step 7: wait for the day of your appointment and present yourself with an official identification document. It can be your passport.

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