Can international students open a US bank account

International students can open a US bank account. Most banks allow it as long as the student shows the right documents and appears in person for identity checks.

Who is allowed to open an account

US banks let international students open checking or savings accounts even without a Social Security Number. Banks ask for other documents to prove identity, student status, and where the student lives. Requirements vary by bank branch, so calling ahead avoids surprises.

Documents banks usually ask for

• Passport: Main legal ID for non‑US citizens.
• Visa and I‑20 or DS‑2019: Shows student status and school affiliation.
• I‑94 record: Online entry document proving legal arrival.
• US address: Can be campus housing or temporary housing; some banks require proof like a housing letter or lease.
• School ID: Often helpful but not always required.
• SSN or ITIN: Not required by many banks, but if available, makes the process smoother.

What types of accounts students usually open

• Checking account: For daily spending, debit card use, and paying bills.
• Savings account: For holding extra funds; interest is usually low.

How the process works in practice

• In‑person visit: Most banks require it for first‑time international customers because they need to verify documents directly.
• Initial deposit: Some banks ask for a small opening deposit, usually between 25–100 USD.
• Debit card timing: Cards are often mailed in 5–10 days; some branches print them on the spot.

Common issues and how to avoid them

• Name mismatches: Ensure the name on all documents matches the passport exactly.
• Address proof: If no lease yet, request a housing letter from the school.
• Fees: Many student accounts waive monthly fees only if certain conditions are met; ask clearly what those are.

Reliable banks for newcomers

• Chase
• Bank of America
• Wells Fargo
• Citi
• Local credit unions near the university