Last updated: June 28, 2026 · Data source: Official bank requirements, FDIC guidance
Reviewed by Zia Shahid, Buzdy Banking Editor
Opening a US bank account is straightforward once you have the right documents — even as a newcomer, student, or non-resident. This guide walks through what you need, which banks to consider, and how to open an account online or in a branch.
What you need to open a US bank account
- Government photo ID (passport or driver's license)
- Social Security Number or ITIN (some banks accept a passport + visa for non-residents)
- Proof of US address (lease, utility bill, or bank letter)
- An opening deposit (often $25–$100, sometimes $0 at online banks)
Open online or in a branch
Most major banks let you open online in minutes. Prefer in person? Find a branch on our US branch directory or by city such as New York or Houston.
Which bank should you choose?
For wide branch access, consider Chase, Bank of America, or Wells Fargo. For fee-free online banking, see Capital One. Compare them all in our best US banks guide.
FAQ
Can I open a US bank account without an SSN?
Yes — many banks accept an ITIN, or a passport plus visa, for non-residents and newcomers. Requirements vary by bank, so check before applying.
Can I open a US bank account online?
Yes. Most national and online banks support fully online account opening with ID verification and a small or zero opening deposit.
What routing number will I get?
Your routing number depends on your bank and account-opening state — see our US routing number guide.
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