Updated September 2026

Banks That Accept ITIN Numbers

Chase, Bank of America, Wells Fargo, Citibank and TD Bank open personal checking accounts with an ITIN instead of a Social Security Number, usually at a branch. Mercury opens business accounts online for ITIN holders, Wise gives you USD account details, and Capital One accepts an ITIN on its credit cards but limits 360 Checking to US citizens and permanent residents. Opening deposits run from $0 to $25. Bring your ITIN letter (CP565), a passport, and proof of a US address.

Key fact

Five major US banks open personal checking with an ITIN and no SSN: Chase ($0 to open), Bank of America ($25), Wells Fargo ($25), Citibank ($0) and TD Bank. Expect a branch visit with your ITIN assignment letter, a passport or second ID, and proof of a US address. Federal Customer Identification Program rules let a bank accept an ITIN in place of an SSN, but each bank sets its own policy.

Bank accounts accepting ITIN, side by side

Where each bank stands on ITIN applicants, where you open the account, and what it costs to open. Checked September 2026; bank policies change, so confirm with the bank before you go.

Bank	Accepts ITIN	Where you open	Opening deposit
Chase	Yes, personal checking and savings	Branch only	$0 (Total Checking)
Bank of America	Yes, personal checking	Branch	$25 (Advantage SafeBalance)
Wells Fargo	Yes, listed as SSN or ITIN	Branch (online start possible)	$25 (Everyday Checking)
Capital One	Credit cards yes; 360 Checking no for most	Online	$0 (360 Checking)
Citibank	Yes, listed as SSN or ITIN	Online or branch	$0
TD Bank	Often, in branch	Branch (Maine to Florida)	Confirm with the branch
Mercury	Business accounts only	Online	$0
Wise	Needed for some US features	Online	$0

Chase

ITIN: Yes, personal checking and savings
Where: Branch only
Opening deposit: $0 (Total Checking)

Chase opens Total Checking and Chase Savings with an ITIN, but only in person: the online application requires a Social Security Number and has no ITIN path. With roughly 4,700 branches, finding one is rarely the problem. Bring your ITIN assignment letter (CP565), an unexpired passport, a secondary ID, and proof of a US address. Chase has no secured credit card, so plan to build credit elsewhere. Read the Chase ITIN account guide.

Bank of America

ITIN: Yes, personal checking
Where: Branch
Opening deposit: $25 (Advantage SafeBalance)

Bank of America opens personal checking with an ITIN at a branch, and Advantage SafeBalance takes a $25 opening deposit. Bring a primary and a secondary ID plus proof of address. It is also the big bank most useful for credit building: its secured credit card accepts ITIN applicants in branch, with deposits from $200. Read the Bank of America ITIN account guide.

Wells Fargo

ITIN: Yes, listed as SSN or ITIN
Where: Branch (online start possible)
Opening deposit: $25 (Everyday Checking)

Wells Fargo's identification requirements list an SSN or an ITIN, so an ITIN is an explicitly accepted route rather than a branch-level exception. Everyday Checking needs $25 to open. You can start online, but applicants using a passport and ITIN are usually asked to finish at a branch. Bring two forms of ID and proof of address. Read the Wells Fargo ITIN account guide.

Capital One

ITIN: Credit cards yes; 360 Checking no for most
Where: Online
Opening deposit: $0 (360 Checking)

Capital One is the exception on this list. It accepts an ITIN on credit card applications, including the Platinum Secured card with a $49, $99 or $200 deposit. But 360 Checking, which opens online with $0, is only available to US citizens and permanent residents, so most ITIN holders cannot open it. Use Capital One for a first card and bank elsewhere. See our guide to ITIN credit cards.

Citibank

ITIN: Yes, listed as SSN or ITIN
Where: Online or branch
Opening deposit: $0

Citi's account-opening guidance lists an SSN or an ITIN, and its checking accounts have no opening deposit. You can apply online or at a branch, though eligibility can depend on US residency, so confirm with Citi before applying from abroad. Citi also issues a secured Mastercard to ITIN applicants, sometimes by phone or in branch, with deposits from $200.

TD Bank

ITIN: Often, in branch
Where: Branch (Maine to Florida)
Opening deposit: Confirm with the branch

TD Bank is an East Coast bank with branches from Maine to Florida. ITIN holders commonly open personal checking in branch, but TD's public pages only mention an SSN, so call the branch first and ask whether it accepts an ITIN with a passport. Bring your ITIN letter, a photo ID, and proof of address. Read the TD Bank ITIN account guide.

Mercury

ITIN: Business accounts only
Where: Online
Opening deposit: $0

Mercury is a fintech that provides business banking through partner banks. It opens business accounts online for founders with an ITIN, a US LLC or corporation, and an EIN, with no opening deposit. Mercury Personal requires an SSN, so it is not an option for an individual account. For business banking, Relay is the closest alternative. Read the Mercury ITIN guide or the Relay ITIN guide.

Wise

ITIN: Needed for some US features
Where: Online
Opening deposit: $0

Wise is a money-transfer service rather than a bank, but it gives you US account and routing numbers for receiving USD from clients and platforms. Non-residents verify with an ID and a selfie. US residents may be asked for an SSN or ITIN to send USD transfers, get a Wise card, or open USD account details, and earning interest needs an SSN. Read the Wise ITIN guide.

Banks that don't require an SSN

An SSN is not a legal requirement for a US bank account. Under IRC Section 6109, an ITIN is a valid taxpayer identification number, and the Customer Identification Program rules under the Bank Secrecy Act (31 USC 5318)let banks verify identity with either an SSN or an ITIN. What varies is each bank's policy: Wells Fargo and Citi name the ITIN on their applications, Chase and Bank of America accept it in branch, and some online sign-up flows still insist on an SSN. That is why most ITIN holders open their first account in person.

Opening a bank account with an ITIN number

Pick the account type. For personal checking with branch access, choose Chase, Bank of America, Wells Fargo, Citibank or TD Bank. For a US LLC, an online business account at Mercury or Relay is usually simpler.
Gather your documents. Your CP565 ITIN assignment letter, an unexpired passport, a secondary ID, and proof of a US address. Business accounts also need your EIN letter and formation documents.
Call the branch. Acceptance is applied branch by branch. Ask whether they open accounts with an ITIN and passport, and which secondary ID they take.
Open and fund the account. Bring the opening deposit ($0 to $25) and ask how to waive the monthly fee.

For the full document checklist and the legal background, read our in-depth ITIN bank account guide. If you also need to accept payments online, see our guide to verifying PayPal and Stripe with an ITIN.

Bank Accounts for Asylum Seekers

Asylum applicants who have received an ITIN can open bank accounts at Chase, Bank of America, Wells Fargo, Citibank, and the other ITIN-friendly banks listed above. Once you hold an ITIN, your application is treated the same as any other ITIN holder’s.

If you have not received an ITIN yet, some banks accept alternative identification: a passport plus your I-94 Arrival/Departure Record plus your asylum receipt notice (Form I-797C). This is a branch-level decision rather than a bank-wide policy, so requirements vary and it is worth calling ahead to confirm what that specific branch will accept before you travel to it.

Key fact

Asylum seekers can open US bank accounts with an ITIN at Chase, Bank of America, Wells Fargo, Citibank, and other banks. Without an ITIN, some banks accept a passport plus I-94 plus asylum receipt (Form I-797C) as alternative identification. Requirements vary by branch.

For eligibility, the documents the IRS accepts, and how the application works while your asylum case is pending, see our ITIN guide for asylum seekers.

You need an active ITIN first

Every bank on this list requires a valid taxpayer identification number, so you must have an active ITIN before you apply. The IRS issues ITINs through Form W-7, and processing generally takes 6 to 11 weeks. Working with a Certifying Acceptance Agent (CAA) lets you verify your documents without mailing your original passport to the IRS. Once your ITIN is assigned, you can move straight to opening your account.

If you have not started yet, see how to get an ITIN number for the full application path.

Related banking resources

ITIN bank account guide - the complete in-depth guide to banking with an ITIN
ITIN credit cards - build US credit after opening your account
ITIN credit cards while living abroad - the non-resident angle: US address rules and overseas declines
Best banks for ITIN holders (2026) - our editorial roundup and rankings
Can I open a bank account with an ITIN? - the short answer and what to expect
ITIN for LLC owners - banking and tax basics for US business owners

Frequently asked questions about banks that accept ITIN

What banks accept an ITIN?

Chase, Bank of America, Wells Fargo, Citibank and TD Bank open personal checking accounts with an ITIN instead of an SSN, usually at a branch. Mercury opens business accounts online for ITIN holders who have a US company and an EIN, and Wise provides USD account details. Capital One accepts an ITIN on credit cards, but its 360 Checking account is limited to US citizens and permanent residents. Policies change, so confirm with the bank before you apply.

Which banks don't require an SSN?

Chase, Bank of America, Wells Fargo, Citibank and TD Bank will accept an ITIN in place of an SSN for personal checking. Federal Customer Identification Program rules require a taxpayer identification number, which can be an SSN or an ITIN, and non-residents can sometimes use a passport number instead. Each bank sets its own policy, and some online applications still require an SSN, so ITIN holders usually open in person.

Can I open a bank account with an ITIN number online?

Sometimes. Wells Fargo and Citi list an SSN or ITIN on their applications, but applicants using a passport and ITIN are often asked to finish at a branch. Chase's online flow requires an SSN, so ITIN holders must open in person. Business accounts are the easiest online route: Mercury and Relay open accounts remotely for ITIN holders with a US company and EIN.

What documents do I need to open a bank account with an ITIN?

Bring your ITIN assignment letter (IRS notice CP565), an unexpired passport, a secondary ID, and proof of a US address such as a lease or utility bill dated within the last 60 to 90 days. Business accounts also need your EIN letter and company formation documents. Banks apply these requirements branch by branch, so confirm the list by phone before you visit.

Do I need an SSN to open a bank account?

No. An SSN is not a universal requirement to open a US bank account. Federal Customer Identification Program rules require a taxpayer identification number, which can be an SSN or an ITIN. Many banks accept an ITIN, though some products and online applications still ask for an SSN. If you do not have an SSN, apply at a bank that explicitly accepts ITIN holders.

Can asylum seekers open bank accounts?

Yes. With an ITIN, asylum applicants can open accounts at Chase, Bank of America, Wells Fargo, and Citibank on the same terms as any other ITIN holder. Without an ITIN, some banks accept a passport plus an I-94 Arrival/Departure Record plus an asylum receipt notice (Form I-797C) instead. That is a branch-level decision, so confirm before you go.

Which banks are best for ITIN business accounts?

For business banking, ITIN holders commonly use Mercury, Relay, and Wise. Mercury is popular with startups and LLC owners for fee-free business checking, Relay is built for small businesses that want multiple sub-accounts and accounting integrations, and Wise is favored for multi-currency and international transfers. Each requires a US-registered business and an EIN. Mercury's personal accounts require an SSN, so use it for your company only.

Can I open an ITIN bank account without visiting the US?

For a business account, often yes. Mercury, Relay, and Wise are designed for remote onboarding, and many non-residents open business accounts before ever visiting the US. Personal checking at Chase, Bank of America, Wells Fargo, Citibank and TD Bank typically requires an in-branch visit. Check whether remote applications are accepted before you start.

Can I open a business bank account with an EIN only?

It depends on the bank. Most online platforms (Mercury, Relay) require both an EIN for the business and an ITIN, SSN or passport for the owner. A small number of providers accept EIN-only applications for certain business structures, but this is the exception rather than the rule, so confirm directly with the bank before applying.

What is the minimum deposit to open a bank account with an ITIN?

Chase Total Checking, Citibank checking, Mercury and Wise need $0 to open. Bank of America Advantage SafeBalance and Wells Fargo Everyday Checking each need $25. Monthly fees at the big banks are usually waivable with direct deposit or a minimum balance, so ask how to waive the fee when you open the account.

Need an ITIN before you open your bank account?

itin.so is a CAA-certified service for applicants in 150+ countries. We prepare your Form W-7, verify your documents, and submit to the IRS, no passport mailing required. Standard $197, Express $297 with money-back guarantee.

Apply for Your ITIN Ask on WhatsApp