Can I Open a TD Bank Account with an ITIN?

Which TD Bank account types accept an ITIN?

The most common ITIN scenario at TD Bank is opening a personal deposit account — a checking account, a savings account, or both — using your ITIN in place of an SSN. TD Bank's everyday personal products (its standard checking and savings tiers) are the realistic starting point for ITIN holders, because the bank can identify you for tax reporting purposes using your ITIN.

Be aware of what an ITIN usually does not automatically unlock. Credit cards, personal loans, and mortgages involve a credit decision, and many lenders — including major banks — still prefer or require an SSN for those products. An ITIN lets you hold a deposit account and report interest income, but it does not guarantee approval for credit. If your goal is a US business account for an LLC, a deposit account at TD is possible once the entity and its paperwork are in order, but online-first business banks are frequently easier for non-residents.

What documents does TD Bank need for an ITIN account?

TD Bank does not publish a single fixed ITIN document checklist, and exact requirements can differ by branch and by whether you are a US resident or a non-resident. That said, the items below reflect what TD Bank and similar banks typically request when an ITIN is used in place of an SSN. Bring originals, and call the branch ahead of time to confirm.

For a deeper explanation of acceptable identity documents and how they are used for ITIN purposes, see our ITIN documents required guide. The passport is the single document that proves both identity and foreign status for ITIN applications, which is why banks lean on it heavily.

Where does TD Bank operate? (State availability)

TD Bank is a regional bank, not a nationwide one. It operates retail branches along the East Coast in 15 US states plus Washington, D.C. If opening your ITIN account requires an in-person branch visit, you need to be able to reach one of these locations. TD Bank does not have branches in the central or western United States.

TD Bank's footprint runs roughly from Maine down to Florida. The bank periodically adjusts its branch network and has announced branch closures in some markets, so confirm that a branch near you is still open before planning a visit. If you live outside this region or outside the United States, an online-first ITIN-friendly bank is usually the more practical route — see our Mercury Bank ITIN guide for an online business banking example.

Branch vs online: how to apply for a TD Bank account with an ITIN

The single most important practical point: TD Bank's online account opening is built around an SSN. If you only have an ITIN, the online flow typically cannot be completed, and you will be directed to a branch. Opening in person also lets a banker verify your passport and supporting documents directly, which usually goes more smoothly for ITIN holders.

Step-by-step branch process

Step 1: Confirm you have an active ITIN. Make sure your ITIN has not expired. ITINs not used on a US tax return for three consecutive years can be deactivated and must be renewed before a bank can rely on them.

Step 2: Call the branch first. Phone the specific TD Bank branch you plan to visit, say you want to open a personal account using an ITIN rather than an SSN, and ask exactly which documents they require. This avoids a wasted trip, because policies vary by branch.

Step 3: Gather your documents. Bring your ITIN CP565 letter, passport, a second ID, proof of US address, and your opening deposit. Use originals where possible.

Step 4: Visit the branch and apply in person. A banker will verify your identity, enter your ITIN in place of an SSN, and set up the account. Ask about minimum balances and any monthly maintenance fees so there are no surprises.

Step 5: Fund and activate. Make your opening deposit, request a debit card, and confirm your mailing address so cards and statements reach you. If you are abroad, ask whether the card can be mailed to your address or held for pickup.

What if you do not have an ITIN yet?

If you do not have an ITIN, that is the first thing to fix — TD Bank cannot open an account on a number you have not been assigned. You apply for an ITIN using IRS Form W-7. Most applicants either mail their original passport to the IRS (and wait weeks without it) or work with a Certifying Acceptance Agent (CAA), who can verify your passport so it never leaves your hands.

itin.so is a CAA service that prepares your complete Form W-7, verifies your documents, and submits the application to the IRS. Standard service is $197 (7–10 business day preparation) and Express is $297 (2–3 business day preparation with a money-back guarantee), and we never require you to mail your passport. The IRS then processes the application in roughly 6–11 weeks and mails your CP565 ITIN assignment letter, which is exactly the document a TD Bank branch will want to see.

TD Bank vs online ITIN-friendly banks

TD Bank suits people who live within its East Coast footprint and value branch banking. If you are abroad or outside its 15 states, an online-first bank may be more realistic. Here is a high-level comparison.

For an online business banking example that accepts ITINs, see our Mercury Bank ITIN guide, and review all your options in the ITIN bank account guide.