Top 5 US Banks for New Immigrants & Non-Citizens

Moving to a new country involves many challenges, but setting up your finances is one of the most important steps toward stability.

For new immigrants and non-citizens in the United States, opening a bank account is a priority for receiving salary payments, paying rent, and building a credit history.

Many newcomers believe they cannot open an account without a Social Security Number (SSN), but this is not true. Several major US banks have programs specifically designed for non-citizens, allowing you to use alternative identification like a passport or an Individual Taxpayer Identification Number (ITIN).

This guide highlights the top 5 US banks for immigrants and non-citizens in 2025 and explains how to get started.

1. Bank of America

Bank of America is widely considered the best overall choice for new immigrants because of its flexible documentation requirements. They have a dedicated “International Student” and “New to the US” program that simplifies the process.

• Best For: Newcomers without an SSN or ITIN.
• Key Advantage: You can often open an account with just a foreign passport and a physical US address. They do not always require an ITIN at the moment of opening, though they may ask for it later for tax purposes.
• Top Account: Bank of America Advantage SafeBalance Banking®. This account is popular because it has no overdraft fees, which is helpful if you are still learning how to manage US banking apps.

2. J.P. Morgan Chase

Chase is the largest bank in the US and offers an extensive network of branches and ATMs. This is especially helpful if you move to a new city and need immediate access to cash or in-person support.

• Best For: Immigrants who have already secured an ITIN.
• Key Advantage: Chase provides a very high level of customer service and a top-rated mobile app. If you have your ITIN and a valid passport, the process at a branch is usually very quick.
• Top Account: Chase Total Checking®. They frequently offer sign-up bonuses for new customers who set up a direct deposit, which can provide an extra financial boost when you first arrive.

3. Wells Fargo

Wells Fargo is known for its strong presence in regions with large immigrant populations, such as California, Texas, and Florida. They are particularly well-equipped to help Spanish-speaking customers.

• Best For: Expats who prefer in-person, multilingual assistance.
• Key Advantage: They accept a wide variety of secondary identification. If you don’t have a US driver’s license yet, they may accept a consular ID card (like the Mexican Matricula Consular) or a foreign voter registration card.
• Top Account: Wells Fargo Everyday Checking. It has a low minimum opening deposit of $25, making it very accessible.

4. Citibank

If you are moving from a country where Citibank already has a presence, this might be your easiest path. Citi is a global bank that understands international financial needs better than most domestic-only banks.

• Best For: Frequent international travelers and high-net-worth individuals.
• Key Advantage: Citibank Global Transfers allow you to send money between your international Citi accounts and your US account quickly and often for free. They also offer a “Checkless” account option to avoid paper check fees.
• Top Account: Citi Access Checking. This is a simplified account focused on digital banking and ATM access without the complication of paper checks.

5. Capital One

Capital One is a leader in digital-first banking. While they have physical “Cafés” and branches, their strength lies in their no-fee structure and ease of use for tech-savvy newcomers.

• Best For: Immigrants looking to avoid monthly fees and build credit.
• Key Advantage: Their 360 Checking account has no monthly maintenance fees and no minimum balance requirements. Additionally, Capital One is one of the best banks for “Secured Credit Cards,” which are essential for immigrants starting their US credit score from zero.
• Top Account: 360 Checking. It’s a great way to keep your money safe without worrying about “hidden” monthly costs.

Documents You Will Need

While requirements vary slightly by bank, you should generally prepare the following “Newcomer Toolkit” before visiting a branch:

• Primary ID: A valid foreign passport with your photo.
• Secondary ID: A foreign driver’s license, a student ID, or a credit card from your home country.
• Tax ID: Your Social Security Number (SSN) OR your Individual Taxpayer Identification Number (ITIN).
• Proof of Address: A utility bill, a signed lease agreement, or a letter from your university showing your US residential address.
• Opening Deposit: Most banks require at least $25 to $100 to activate the account.

Contact Information for Major Banks

Bank Name	Customer Service Phone	Website Portal
Bank of America	1-800-432-1000	boface.com/international
Chase Bank	1-800-935-9935	chase.com
Wells Fargo	1-800-869-3557	wellsfargo.com
Citibank	1-800-374-9700	citi.com
Capital One	1-877-383-4802	capitalone.com

Summary of Next Steps

1. Check Your ID: Ensure your passport is not expired.
2. Gather Proof of Residence: If you don’t have a utility bill, ask your landlord for a copy of your lease.
3. Visit in Person: Most banks require non-citizens to open their first account at a physical branch rather than online.
4. Apply for an ITIN: If you don’t have an SSN, apply for an ITIN through the IRS as soon as possible to make future banking easier.