Wells Fargo Clear Access Banking
Opens with a passport
- Monthly fee
- $5 or $0
- Account
- Online or branch
- You need
- Passport, ITIN or SSN
Open account
on the Wells Fargo website
on the Wells Fargo website
Bank account without an SSN: banks for immigrants
17 banks, apps and credit unions that open a checking account with an ITIN, a passport or a consular ID. Places are set by points: documents, where you can open, fees, ATMs, Spanish support, deposit insurance.
| # | Name | Passport only | ITIN | Where to open | Monthly fee | Overdraft | Score |
|---|---|---|---|---|---|---|---|
| 1 | Wells Fargo Clear Access Banking | ✓ | ✓ | Online or branch | $5 or $0 | No fee | 87 |
| 2 |  PNC Simple Checking | ✓ | ✓ | Online or branch | $5 or $0 | No fee | 85 |
| 3 |  Cash App | ? | ✓ | Online | $0 | Card can't go negative | 75 |
| 4 |  Bank of America Advantage SafeBalance Banking | ? | ✓ | Branch | $4.95 or $0 | No fee | 73 |
| 5 |  Varo Bank Account | ✕ | ✓ | Online | $0 | No fee | 69 |
| 6 |  Majority | ✓ | ✓ | - | $0 or $6.99 (Plus) | - | 65 |
| 7 |  U.S. Bank Smartly Checking | ? | ✓ | Branch | $12 or $0 | $36 | 59 |
| 8 |  Lower East Side People's FCU Share Draft Checking | ✓ | ✓ | - | $0 or $3 | - | 57 |
| 9 |  Revolut US (Standard plan) | ? | ✓ | Online | $0 (Standard) | - | 56 |
| 10 | Rio Grande Credit Union Free Checking | ? | ✓ | - | $0 | - | 56 |
| 11 |  Chase Secure Banking | ? | ? | Branch | $4.95 or $0 | No fee | 56 |
| 12 |  Santander Simply Right Checking | ? | ✓ | Branch | $10 or $0 | $15 | 54 |
| 13 |  TD Essential Banking | ? | ✓ | Online or branch | $4.95 | No fee | 50 |
| 14 | Regions LifeGreen Checking | ? | ? | Branch | $8 or $0 | $36 | 47 |
| 15 |  Latino Community Credit Union Checking Account | ✕ | ✓ | Online or branch | $5 or $0 | NSF fee: $20 | 46 |
| 16 |  Neighborhood Trust FCU Share Draft Checking | ? | ✓ | - | $6.50 or $0 | - | 31 |
| 17 |  Brooklyn Cooperative FCU Personal Checking | ? | ✓ | - | $15 | - | 28 |
- 1
- 2
PNC Simple Checking
Opens with a passport
- Monthly fee
- $5 or $0
- Account
- Online or branch
- You need
- Passport, ITIN or SSN
Open accounton the PNC website
on the PNC website
- 3
Cash App
Online without SSN
- Monthly fee
- $0
- Account
- Online
- You need
- SSN, ITIN or government ID
Open accounton the Cash App website
on the Cash App website
- 4
Bank of America Advantage SafeBalance Banking
Accepts ITIN
- Monthly fee
- $4.95 or $0
- Account
- Branch
- You need
- Passport and ITIN
Open accounton the Bank of America website
on the Bank of America website
- 5
Varo Bank Account
Online with ITIN
- Monthly fee
- $0
- Account
- Online
- You need
- SSN or ITIN
Open accounton the Varo website
on the Varo website
- 6
Majority
Open with a passport
- Monthly fee
- $0 or $6.99 (Plus)
- Transfer fee
- $1.99 on Base
- Reports to
- TransUnion (Plus card)
Open accounton the Majority website
on the Majority website
- 7
U.S. Bank Smartly Checking
Opens with a matrícula
- Monthly fee
- $12 or $0
- Account
- Branch
- You need
- SSN, ITIN or matrícula
Open accounton the U.S. Bank website
on the U.S. Bank website
- 8
Lower East Side People's FCU Share Draft Checking
Opens with a passport
- Monthly fee
- $0 or $3
- You need
- Passport, ITIN or SSN
Only: NY
Open accounton the LES People's FCU website
on the LES People's FCU website
- 9
Revolut US (Standard plan)
Opens with a U.S. visa
- Monthly fee
- $0 (Standard)
- Account
- Online
- You need
- SSN, ITIN or U.S. visa
Open accounton the Revolut website
on the Revolut website
- 10
Rio Grande Credit Union Free Checking
Accepts ITIN
- Monthly fee
- $0
- You need
- SSN or ITIN
Only: NM
Open accounton the Rio Grande Credit Union website
on the Rio Grande Credit Union website
- 11
Chase Secure Banking
No overdraft fees
- Monthly fee
- $4.95 or $0
- Account
- Branch
- You need
- 2 original IDs
Open accounton the Chase website
on the Chase website
- 12
Santander Simply Right Checking
No SSN for non-residents
- Monthly fee
- $10 or $0
- Account
- Branch
- You need
- 2 IDs
Open accounton the Santander website
on the Santander website
- 13
TD Essential Banking
No overdraft fees
- Monthly fee
- $4.95
- Account
- Online or branch
- You need
- SSN or ITIN
Open accounton the TD Bank website
on the TD Bank website
- 14
Regions LifeGreen Checking
No SSN for non-residents
- Monthly fee
- $8 or $0
- Account
- Branch
- You need
- 2 IDs + U.S. address
Open accounton the Regions website
on the Regions website
- 15
Latino Community Credit Union Checking Account
Accepts ITIN
- Monthly fee
- $5 or $0
- Account
- Online or branch
- You need
- SSN or ITIN
Only: NC
Open accounton the Latino CCU website
on the Latino CCU website
- 16
Neighborhood Trust FCU Share Draft Checking
Accepts ITIN
- Monthly fee
- $6.50 or $0
- You need
- SSN or ITIN
Open accounton the Neighborhood Trust FCU website
on the Neighborhood Trust FCU website
- 17
Brooklyn Cooperative FCU Personal Checking
Accepts ITIN
- Monthly fee
- $15
- You need
- Photo ID; SSN or ITIN
Only: NY
Open accounton the Brooklyn Cooperative FCU website
on the Brooklyn Cooperative FCU website
How the places are set
Up to 100 points. Documents - up to 40: opens without an SSN or ITIN, accepts an ITIN, a foreign passport, a matrícula consular.
Where you can open - up to 15: online from any state, or by the number of branches. Cost - up to 30: monthly fee, overdraft fee, returned item fee, opening deposit.
Free ATMs - up to 5, Spanish support - up to 5, FDIC or NCUA insurance - up to 5.
No data - 0 points. With equal points, the one with more points for documents goes first.
Not included: accounts that need an SSN, US citizenship or a green card (Chime, Current, Popular Bank, Capital One 360), banks with no data on accounts with an ITIN or a passport, Wise (not a bank, no FDIC insurance), and SoFi, Spring Bank, KeyBank, Citizens, Fifth Third and Self-Help (not enough data).
Data as of November 6, 2026.
Questions people ask
Do you need an SSN to open a bank account?
No. Many banks open a checking account with an ITIN, and some with a passport. Online applications usually ask for an SSN or ITIN; with only a passport you usually open the account in a branch.
Can I open a bank account without an SSN or ITIN?
Yes. Wells Fargo and PNC open checking accounts in a branch with a passport and a second ID. The Majority app opens a mobile account with a passport from any country and a US home address.
Can I open a bank account online without an SSN?
With an ITIN, yes: Wells Fargo, PNC and Varo accept an ITIN online. With only a passport, Majority lets you sign up in its app; most banks ask you to come to a branch.