Owning a US bank account as a non-US resident gives you valuable financial flexibility. Whether you’re managing international business transactions, receiving payments from US clients, avoiding high currency conversion fees, or simply looking to build financial history in the United States, having access to a US bank account can be a smart move.

However, opening a US bank account as a non-resident can be cumbersome and often unsuccessful if you don’t know the proper steps or documents to provide. In this article, we’ll walk you through what you need to open a US bank account at a major bank and introduce you to a more accessible digital alternative for non-residents.

Also read: How non-US Residents can open accounts at Chase, Wells Fargo, and Bank of America

Requirements for opening a US bank account at major banks as a non-US resident

Most traditional US banks, such as Bank of America, Chase, and Wells Fargo, require in-person applications for new accounts, especially for non-residents. These banks typically don’t allow you to open an account online without a US Social Security Number (SSN) or a valid US address. If you’re still determined to open an account at a major bank, you’ll generally need the following:

• Proof of US address: This is often a non-negotiable requirement. Some banks accept lease agreements, recent utility bills, or official mail addressed to you in the United States.
• Proof of foreign address: You may also be required to provide a document showing your residential address in your home country, such as a utility bill or bank statement.
• Valid government-issued ID: A passport is the most widely accepted form of identification. A second form of ID, like a national identity card or foreign driver’s license, may sometimes be required.
• Tax Identification Number (TIN): An Individual Taxpayer Identification Number (ITIN) may be necessary if you don’t have a US Social Security Number. Some banks may accept a foreign tax identification number, but this varies.
• Debit or credit card from your home country: This may be used to verify identity or fund your initial deposit.
• Initial deposit: US banks often require a minimum deposit, ranging from $25 to $500, depending on the institution.

Also read: How to open a Bank of America account as a non-resident (complete guide)

Tips for a smoother application process

Opening a bank account as a non-resident is not impossible, but it requires preparation. Here are some tips to help you navigate the process more effectively:

• Contact the bank directly: Requirements vary by bank and branch. Call ahead or visit the bank’s website to confirm what documents are needed and whether they accept applications from non-residents.
• Be prepared for in-person verification: Most major US banks require you to visit a branch in person to complete the account opening process. Remote applications are rarely approved for non-residents.
• Bring original documents: Copies or scans may not be accepted. Always bring original documents or certified copies when applying in person.
• Consider international or multi-currency accounts: If opening a traditional US bank account proves too complex, consider alternatives such as multi-currency digital wallets or international banking platforms catering to non-residents.

Opening a U.S. bank account as a non-U.S. resident with Grey

If you’re looking for a more accessible alternative, Grey offers a convenient digital solution. With Grey, non-US residents can open virtual U.S. bank accounts online, without needing a US address, SSN, or in-person appointment.

Grey provides virtual bank accounts in USD, GBP, and EUR, making it ideal for freelancers, remote workers, and digital entrepreneurs who receive payments from foreign clients or platforms like PayPal, Amazon, Shopify, and Upwork.

Once you create a Grey account and complete identity verification, you can request a U.S. account that includes your personal account number and routing number.

You can receive USD payments directly into your Grey account and then convert them to your local currency at competitive exchange rates. The funds can be withdrawn to your local bank account or spent using Grey’s virtual USD card.

Here is how non-US citizens can open a US bank account online

International banking made easy with Grey

While opening a US bank account at a traditional bank as a non-resident is possible, it often involves navigating complex requirements and may require a physical presence in the U.S. If you’re not currently based in the US or prefer a simpler alternative, platforms like Grey offer a modern, borderless way to receive and manage your US earnings.

Sign up on Grey today to obtain a US bank account with ease.

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