Having access to a US bank account opens doors. Many of the people who need these doors are non-US residents. Thus, they need a reliable US banking partner. And when it comes to household names in American banking, Bank of America (BoA) often tops most lists.

Can someone who isn’t a US citizen or resident open a Bank of America account? The answer is: yes, but it’s not always simple. Over the next few paragraphs, I’ll explain the process, the documents you’ll need, and what to do if you’re not eligible. We’ll also introduce a simpler alternative for freelancers, digital nomads, and global professionals: Grey.

Can a non-US resident open a Bank of America account?

Yes, Bank of America does allow non-US residents to open an account — but with important caveats. In most cases, you’ll need to be physically present in the US and visit a branch in person to complete the process. Remote applications for non-residents are typically not accepted due to US financial laws and Know Your Customer (KYC) requirements.

Even if you’re visiting the US on a tourist visa, you may be able to open an account as long as you bring the right documents and meet specific criteria.

Also read: Cheapest way to send USD from China to India

Documents you need to open a Bank of America account

Here’s what you’ll generally need as a non-resident:

• Valid passport (must not be expired)
• Secondary form of identification, such as a national ID card, visa, or foreign driver’s license
• Proof of address in the US (can be a hotel address or the address of someone you’re staying with)
• ITIN (Individual Taxpayer Identification Number) – if you don’t have a Social Security Number (SSN)
• Immigration documentation, such as your visa or I-94 form (in some cases)

Different branches may ask for slightly different requirements, so it’s best to call ahead before visiting.

Also read: How to open a USD bank account remotely without U.S. citizenship

Can you open a Bank of America account online as a non-resident?

Unfortunately, no. This is unless you already have a Social Security Number, a US address, and can verify your identity electronically. If you’re not a US citizen or resident and you’re not in the US, you won’t be able to open a BoA account online.

That’s where many non-residents hit a wall, especially if they’re freelancers or remote workers just looking for a way to receive USD payments securely.

Common challenges non-residents face

Here are a few of the common barriers to opening a US bank account as a non-resident:

• No SSN or ITIN: Many US banks require at least one of these.
• No US address: This is a requirement for most online and branch applications.
• Physical presence needed: Most banks, including BoA, won’t open an account remotely for non-residents.
• Unfamiliarity with FATCA rules: Some banks require additional tax compliance documents under US law.
• Long processing times or requests for extra documentation.

If any of these apply to you, a digital alternative may be your best option.

A modern solution: Grey for international banking without borders

If you’re outside the US and looking for a faster, more accessible way to manage US dollars, Grey is your answer.

Grey offers virtual USD, GBP, and EUR accounts to individuals resident in other countries. You don’t need to visit the US, deal with complex paperwork, or wait weeks for approvals.

Why Grey is a smart alternative:

• Create a free USD account online – No SSN or US address is required.
• Receive payments from US clients and platforms like Amazon, Upwork, Payoneer, and PayPal.
• Hold multiple currencies (USD, GBP, EUR) in one app.
• Convert to your local currency at competitive exchange rates.
• Withdraw funds easily to your local bank.

Grey is designed for remote workers, freelancers, digital nomads, and global citizens who need cross-border financial freedom.

How to open a Grey account as a non-US resident

You can open a Grey account in minutes. Here’s how:

Sign up

Visit Grey.co or download the mobile app from the App Store or Google Play and create an account using your email.

Verify your identity

Upload a valid ID (like a passport or national ID), a selfie, and proof of address (like a utility bill or bank statement). Grey uses this for KYC compliance.

Request your USD bank account

Once verified, go to the “Accounts” section and select “USD”. You’ll instantly receive account details (including account number and routing number).

Receive your payments

Use these details to receive funds from platforms, clients, or employers based in the US

Convert and withdraw

You can hold your USD or convert it to your local currency when the rates are favourable and withdraw to your local bank account with ease.

Also read: How to open a UK bank account as a temporary visitor

While opening a US bank account as a non-resident is possible, it’s not always convenient. Bank of America offers one of the more accessible options, but only if you’re physically in the US and have the right documents.

Create your Grey account today or download the app to enjoy inclusive global banking, designed to carry your dreams across borders.

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