Banks That Accept ITIN: The Complete Guide to Banking & Credit Cards for ITIN Holders
15+ banks, 8 credit cards, and an interactive tool to find the right bank for you.
You don't need a Social Security Number to open a bank account or get a credit card in the United States. Millions of ITIN holders already have checking accounts, savings accounts, and credit cards at major U.S. banks — and you can too.
This guide is the most comprehensive resource for ITIN holders looking for banking and credit products. We cover every major bank that accepts ITIN numbers, the best credit cards for building credit, and we've built an interactive tool to match you with the right bank based on your situation.
Not sure where to start? Use our Bank Finder tool below to get personalized recommendations in under 60 seconds.
Quick Comparison: Banks That Accept ITIN
All of these banks accept ITIN numbers for account opening. Scroll right on mobile to see all columns.
| Bank | Monthly Fee | Min Deposit | Online ITIN App? | Secured Card? | Branches | Best For |
|---|---|---|---|---|---|---|
| Bank of America | $4.95 (waivable) | $25 | ✅ Yes | No (has credit cards) | 4,000+ | Largest network + online app |
| Chase | $12 (waivable) or $4.95 | $0 | ❌ In-branch | No | 4,700+ | Most branches |
| Wells Fargo | $10 (waivable) | $25 | ❌ In-branch | ✅ $300 min | 4,900+ | Branch network + secured card |
| Capital One ⭐ | $0 | $0 | ✅ Yes | ✅ $49–$200 | Limited (cafés) | No fees + best secured card |
| Citibank | $12 (waivable) | $0 | ❌ In-branch | ✅ $200 min | Metro areas | Metro areas + secured card |
| U.S. Bank | $6.95 (waivable) | $25 | ❌ In-branch | No | Midwest/West | Midwest/West |
| TD Bank | $4.95–$15 (waivable) | $0 | ❌ In-branch | No | East Coast | East Coast + long hours |
| PNC Bank | $7 (waivable) | $0–$25 | ❌ In-branch | No | Eastern U.S. | Eastern states |
| Alliant Credit Union | $0 | $0 | ✅ Yes | No | Online only | Best rates, no fees |
| Self-Help FCU | $0 | Low | ❌ In-branch | Credit builder | NC, CA, FL, IL+ | Immigrant-focused CDFI |
| Latino Community CU | $0 | Low | ❌ In-branch | Credit builder | North Carolina | Built for Latino immigrants |
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Detailed Bank Reviews for ITIN Holders
Below is a detailed look at each bank that accepts ITIN numbers. We cover the specific accounts available, fees, how to apply, and what credit products each bank offers.
Bank of America
Bank of America stands out because it's one of the only major banks that lets you apply online with an ITIN. Most banks require an in-person branch visit, but BofA lets you complete the entire process from your phone or computer.
- Account for ITIN holders: Advantage SafeSend Checking
- Monthly fee: $4.95 (cannot be waived on SafeSend)
- Minimum deposit: $25
- Other accounts: Advantage Banking ($12/mo waivable), Advantage Plus ($12/mo waivable), savings accounts
- Credit cards: Customized Cash Rewards (3%/2%/1% cash back, $0 annual fee, $200 bonus) — accepts ITIN
- ATMs: 16,000+ | Branches: 4,000+
- How to apply: Online at bankofamerica.com or visit any branch
- Documents needed: ITIN, passport or government ID, proof of address
Chase
Chase has the largest branch network in the United States with over 4,700 locations. While you must visit a branch in person to open an account with an ITIN, the convenience of having so many branches makes Chase an excellent choice.
- Account: Total Checking ($12/mo, waivable with $500 direct deposit or $1,500 balance) or Secure Banking ($4.95/mo, not waivable)
- Minimum deposit: $0
- ITIN application: Must visit branch in person
- Credit cards: Chase doesn't have a specific ITIN secured card, but may approve existing customers
- Credit Journey: Free credit score monitoring for all Chase customers
- Documents needed: ITIN, passport, proof of address, possibly second form of ID
Wells Fargo
Wells Fargo has the most branches of any bank (4,900+) and also offers a secured credit card, making it a great one-stop shop for ITIN holders who want both a checking account and a credit-building tool.
- Account: Everyday Checking ($10/mo, waivable with $500 direct deposit or $1,500 balance) or Clear Access Banking ($5/mo for ages 13–24)
- Minimum deposit: $25
- Secured card: Wells Fargo Secured Credit Card ($300 min deposit, $0 annual fee)
- ITIN application: Must visit branch
- Branches: 4,900+ (most of any bank)
- Documents needed: ITIN, passport, proof of address
Capital One
⭐ ITIN Score's Top Pick
Capital One is our top recommendation for most ITIN holders — zero fees, online application, and the best secured credit card available.
Capital One is the best overall choice for most ITIN holders. The 360 Checking account has absolutely no fees — no monthly charges, no minimum balance, no minimum deposit. Plus, you can apply entirely online with your ITIN.
- Account: 360 Checking ($0 fees ever, $0 minimum)
- Best secured card: Platinum Secured Credit Card — $0 annual fee, deposit as low as $49, reports to all 3 bureaus, automatic credit line reviews, path to unsecured card
- For established credit: Quicksilver (1.5% cash back, $200 bonus)
- ITIN application: Can apply online
- ATMs: 70,000+ fee-free (Allpoint network)
- Branches: Limited to Capital One Cafés in select cities
Citibank
Citibank is a solid option if you live in a major metropolitan area. They offer the Citi Secured Mastercard which is good for credit building.
- Account: Basic Banking ($12/mo waivable) or Access Account ($0 for eligible customers)
- Secured card: Citi Secured Mastercard — $200 deposit, $0 annual fee, reports to all 3 bureaus
- ITIN application: Must visit branch
- Branches: Major metropolitan areas only (NYC, LA, SF, Chicago, Miami, DC)
U.S. Bank
U.S. Bank is a strong regional option for ITIN holders in the Midwest and Western states.
- Account: Smartly Checking ($6.95/mo waivable) or Easy Checking ($6.95/mo waivable)
- Minimum deposit: $25
- ITIN application: In-branch only
- Branches: Midwest and Western states
- No specific ITIN secured card
TD Bank
TD Bank is known as “America's Most Convenient Bank” thanks to its extended branch hours — open early, open late, and open on weekends. Great for ITIN holders on the East Coast.
- Account: Convenience Checking ($15/mo waivable) or Simple Checking ($4.95)
- Extended hours: Many branches open 7 days a week
- ITIN application: In-branch only
- Branches: East Coast only (Maine to Florida)
PNC Bank
PNC Bank serves the Eastern United States with solid banking products and their Virtual Wallet budgeting tools.
- Account: Standard Checking ($7/mo waivable)
- ITIN application: In-branch only
- Branches: Eastern United States
Alliant Credit Union
Alliant Credit Union is the best online-only option for ITIN holders. They have zero fees on everything, higher interest rates than big banks, and you can apply entirely online.
- Account: High-Rate Checking ($0 fees, 0.25% APY)
- ITIN application: Can apply online
- ATMs: 80,000+ fee-free
- Best for: People comfortable with online banking who want the best rates and zero fees
Self-Help Federal Credit Union
Self-Help is a CDFI (Community Development Financial Institution) specifically serving underbanked communities, including immigrants and ITIN holders.
- Branches: NC, CA, FL, IL, SC, VA, WI
- Credit-builder programs available
- ITIN-friendly with personalized help and bilingual staff
- Financial literacy workshops often available
Credit Unions & CDFIs: Often the Best Choice for ITIN Holders
CDFIs (Community Development Financial Institutions) are mission-driven financial institutions that serve underbanked communities. For ITIN holders, they are often the best choice because they:
- Have lower fees and more personal service than big banks
- Often have bilingual staff who speak Spanish and other languages
- Have more flexible documentation requirements
- Offer credit-builder programs designed for people starting from scratch
- Are specifically designed to serve immigrant communities
If there's a CDFI or immigrant-focused credit union in your area, we strongly recommend checking them out — even if you also bank at a major bank.
Find a CDFI near you: ofn.org/cdfi-locator
Best Credit Cards for ITIN Holders
Credit cards are essential for building your U.S. credit history. Here are the 8 best credit cards available to ITIN holders, organized by category so you can find the right one for your situation.
Capital One Platinum Secured Credit Card
- ✓ Deposit as low as $49 (based on creditworthiness)
- ✓ Reports to all 3 credit bureaus
- ✓ Automatic credit line reviews for upgrades
- ✓ Clear path to unsecured card
Why: Lowest deposit requirement, no fees, and a proven upgrade path to an unsecured card.
Deserve EDU Mastercard
- ✓ No SSN required, no deposit, no credit history needed
- ✓ 1% cash back on all purchases
- ✓ Free Amazon Prime Student for 1 year
- ✓ Cell phone protection + no foreign transaction fees
Why: Designed specifically for international students — no SSN or deposit needed.
Chime Secured Credit Builder Visa
- ✓ No annual fee, no interest charges ever
- ✓ No minimum security deposit
- ✓ No credit check to apply
- ✓ Reports to all 3 credit bureaus
Why: Literally costs nothing — spend only what you load. Requires a Chime checking account.
Bank of America Customized Cash Rewards
- ✓ 3% cash back in your choice category, 2% grocery/wholesale, 1% everything else
- ✓ $200 welcome bonus after $1,000 spend in 90 days
- ✓ 0% intro APR for 15 billing cycles
Why: Best rewards available to ITIN holders. Requires some credit history.
Self Visa Credit Card
- ✓ No hard credit pull to apply
- ✓ Connected to Self credit builder account — build credit + savings simultaneously
- ✓ Reports to all 3 credit bureaus
Why: Unique dual approach — builds your credit AND your savings at the same time.
OpenSky Secured Visa
- ✓ No credit check at all — guaranteed approval
- ✓ Reports to all 3 credit bureaus
- ✓ No bank account required
Why: Guaranteed approval regardless of credit situation. Good backup option.
Capital One Quicksilver
- ✓ 1.5% unlimited cash back on everything
- ✓ $200 welcome bonus
- ✓ 0% intro APR for 15 months
Why: Best card once you've built some credit history — excellent ongoing rewards.
Capital One QuicksilverOne
- ✓ 1.5% cash back on every purchase
- ✓ For fair credit (580–669 score)
- ✓ Automatic credit line increase consideration
Why: Cash back rewards accessible to those still building credit.
How to Open a Bank Account with an ITIN
Follow these steps to open your bank account:
Gather your documents
Collect your ITIN letter (CP565/CP567), passport or government ID, proof of U.S. address (utility bill or lease), and your initial deposit amount.
Research which bank is available in your area
Use our comparison table above or the Bank Finder tool to identify banks with branches near you — or go with an online-only option.
Call ahead to confirm
Call the specific branch to confirm they accept ITIN applications. Policies can vary by branch, so it's worth confirming before you go.
Visit in person or apply online
For Bank of America, Capital One, and Alliant, you can apply online. For all other banks, visit a branch in person with your documents.
Bring multiple forms of ID as backup
Bring your passport, consular ID, national ID, and ITIN letter. Having extra documents prevents delays if the bank asks for additional verification.
Ask about fee waivers and credit-building products
Once your account is open, ask about setting up direct deposit (waives fees at most banks) and opening a secured credit card to start building credit.
Documents You'll Need
Before visiting a bank or applying online, make sure you have these documents ready:
For opening a bank account:
For credit card applications, you may also need:
Pro Tips for ITIN Banking
Always ask about fee waivers
Direct deposit usually waives monthly fees. Ask the banker specifically what you need to do to pay $0.
Start with checking, then add a secured credit card
Having a checking account at the same bank where you apply for a credit card can improve your chances of approval.
If denied at one bank, try another
Policies vary by institution and even by branch. A denial at Chase doesn't mean you'll be denied at Wells Fargo.
Credit unions are often more flexible
CDFIs and credit unions tend to have more lenient requirements than big banks. They're worth trying if you're having trouble.
Consider opening accounts at 2 banks
One for everyday banking (checking/debit) and one for credit building (secured card). This gives you flexibility.
Set up direct deposit immediately
Direct deposit waives fees at most banks and shows stability that helps with future credit applications.
Download the mobile app right away
Mobile banking lets you monitor your account, make payments on time, and catch any issues early.
Beyond Banking: Other Financial Products for ITIN Holders
Once you have a bank account and start building credit, other financial products become available to you:
- ITIN Mortgages: Some lenders offer home loans to ITIN holders. You'll typically need 2+ years of tax returns and 10–20% down payment. CDFIs and community banks are the best places to start.
- Auto Loans: CDFIs and some credit unions offer auto loans with ITIN. Having a bank account and credit history will help.
- Personal Loans: Stilt and some credit unions offer personal loans to ITIN holders.
- Money Transfer: Remitly, Wise, and Western Union make it easy to send money internationally.
- Business Banking: Chase, Bank of America, and others offer business accounts with ITIN for entrepreneurs.
Frequently Asked Questions
Ready to Start Building Your Financial Future?
You have the bank. You have the credit card. Now check your credit score and see where you stand.
or use the Bank Finder tool above to find the right bank