Updated June 2026
Banks That Accept ITIN: 2026 List & Comparison
If you have an ITIN but no Social Security Number, you can still open a US bank account with many providers. This page is a quick index of the specific banks ITIN holders use most often, with a side-by-side comparison and links to a detailed guide for each one. For a deeper walkthrough of documents, eligibility, and the step-by-step process, see our in-depth ITIN bank account guide. Bank policies change frequently, so treat this list as a starting point and always confirm current ITIN acceptance directly with each bank.
Quick answer
At least 8 US banks accept ITIN holders: Mercury, Relay, Wise, Bank of America, Chase, Wells Fargo, Citibank, and US Bank. Online platforms like Mercury and Relay charge $0 monthly fees with no branch visit required; traditional banks require in-person visits but add debit cards and direct deposit.
Do banks really accept an ITIN instead of an SSN?
Yes, in many cases. An SSN is not a universal requirement to open a US bank account. Under IRC Section 6109, an ITIN is a valid taxpayer identification number, and federal Customer Identification Program rules under the Bank Secrecy Act (31 USC 5318) let banks satisfy their identity-verification duty using either an SSN or an ITIN. That said, acceptance is decided by each bank and can vary by product, by branch, and over time. Some online platforms welcome ITIN holders and allow fully remote applications, while certain traditional accounts may still ask for an SSN. The banks below are the ones ITIN holders most frequently report success with, but you should verify current requirements before applying.
We have grouped them into two broad categories. Online or fintech platforms (Mercury, Relay, Wise) are aimed at business owners and tend to support remote onboarding from outside the US. Traditional banks (such as TD Bank) usually offer personal checking through physical branches and may prefer an in-person visit. Your best choice depends on whether you want a personal or business account and whether you can visit a branch.
Comparison: Banks That Accept ITIN in 2026
This table compares the most commonly used ITIN-friendly banks across account type, monthly fee, and who each one suits best. Fees and policies are summaries reported as of June 2026 and may change; confirm details with the bank before opening an account.
| Bank | Accepts ITIN | Account Type | Monthly Fee | Best For | Guide |
|---|---|---|---|---|---|
| Mercury | Yes (reported) | Business | $0 | LLC owners, startups | Mercury ITIN guide · full walkthrough |
| Relay | Yes (reported) | Business | $0 | Freelancers, small biz | Relay ITIN guide |
| Wise | Yes (reported) | Personal / Business | $0 | International transfers | Wise ITIN guide |
| TD Bank | Often (in-branch) | Personal | Varies (often waivable) | Branch banking | TD Bank ITIN account guide |
| Chase | Yes (in branch) | Personal & business | Varies (often waivable) | Largest US branch network | — |
| Bank of America | Yes (in branch) | Personal & business | Varies (often waivable) | Nationwide coverage | — |
| Capital One | Yes (sometimes online) | Personal & business | $0 on many accounts | Most ITIN-friendly traditional bank | — |
| Wells Fargo | Yes (in branch) | Personal & business | Varies (often waivable) | Limited card options for ITIN holders | Wells Fargo ITIN account guide |
| Citibank | Yes (in branch) | Personal & business | Varies (often waivable) | Strong international transfer options | — |
"Yes (reported)" means ITIN holders commonly report being able to open accounts with these platforms; it is not a guarantee for every applicant. Traditional-bank acceptance can depend heavily on the individual branch, so calling ahead is strongly recommended.
Detailed guides for each ITIN-friendly bank
Each bank has its own application flow, document requirements, and quirks. Use the guides below to see exactly what each provider asks for and how to apply as an ITIN holder.
Mercury
Online business banking popular with startups and LLC owners. Fee-free business checking with remote onboarding, making it a frequent choice for non-resident ITIN holders.
Read the guide →Relay
Business banking built for freelancers and small companies, with multiple sub-accounts and accounting integrations such as QuickBooks and Xero. Applications are handled online.
Read the guide →Wise
A multi-currency account favored for low-cost international transfers and US account details. Useful for ITIN holders who move money between countries.
Read the guide →TD Bank
A traditional bank with a large East Coast branch network that has been a common in-branch option for ITIN holders seeking personal checking with physical locations.
Read the guide →ITIN Credit Cards
Once you have an account, secured and ITIN-friendly credit cards are the next step. Our guide covers cards that accept ITIN holders and how they help build US credit.
Read the guide →ITIN Bank Account Guide
The in-depth guide to opening a US bank account with an ITIN: every bank, document checklist, step-by-step process, and the legal basis for ITIN banking.
Read the guide →How do you choose the right ITIN bank?
Start with what the account is for. If you own a US LLC or run a business, an online business platform is usually the simplest path because onboarding is remote and fees are typically low. Mercury and Relay are both built for company finances, while Wise stands out when you regularly send or receive money across currencies. If you want a personal account with branch access and in-person support, a traditional bank like TD Bank may fit better, especially if you live on the US East Coast or can visit a branch. If you also need to accept payments online, see our guide to verifying PayPal and Stripe with an ITIN.
Next, check the practical details before you apply: whether the bank accepts remote applications, the exact documents required (most ask for your CP565 ITIN assignment letter, a valid passport, and proof of address, plus an EIN and formation documents for business accounts), any monthly fee and how it can be waived, and whether ITIN holders are explicitly supported. Because acceptance varies by branch and changes over time, a quick call or chat with the bank can save you a wasted application.
For the full document checklist, the legal background, and a step-by-step opening process, read our in-depth ITIN bank account guide. If you are weighing whether to open a personal or business account, that guide covers the trade-offs in detail.
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?
Can I open a US bank account with an ITIN?
Do I need an SSN to open a bank account?
Which banks are best for ITIN business accounts?
Can I open an ITIN bank account without visiting the US?
Can I open a bank account online without visiting the bank?
Can I open a business bank account with an EIN only?
Which banks let non-residents or ITIN holders open an 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.