Can I get a checking account without a social security number? | Consumer Financial Protection Bureau (2023)

To open a checking or savings account, the bank or credit union will need to verify your name, date of birth, address, and ID number. An ID number can be a social security number or an Individual Taxpayer Identification Number (ITIN). To get an ITIN, you will need to fill out a form with theInternal Revenue Service (IRS) .

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If you don’t have a U.S. government-issued SSN or ITIN, some banks and credit unions will accept a passport number and country of issuance, an alien identification card number, or other government-issued ID number.

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Visit different banks and credit unions to find out what types of accounts they offer, and what types of ID numbers they accept.

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Can I open a bank account without SSN or ITIN? ›

While most banks require this information to open an account with them, it is possible to request a basic current account. To confirm your identity without a SSN, banks in the US will likely ask for at least two forms of identification like a passport and US driver's license.

Can a bank open an account for a customer who does not have a taxpayer identification number? ›

Note, however, that a bank does not need to obtain a taxpayer identification number when opening a new account for a customer that has an existing account, as long as the bank has a reasonable belief that it knows the true identity of the customer.

Can I open a Capital One bank account without Social Security number? ›

What's required to open a checking account is probably right at your fingertips. If you open it in person, you'll likely need two forms of ID (such as a driver's license, Social Security card, passport or birth certificate) and proof of address (by way of a utility bill, mortgage statement, lease or similar document).

Can I open an account at Wells Fargo without SSN? ›

Wells Fargo
  1. To open an account:
  2. Call the branch to make sure you do not need to set up an appointment with a representative.
  3. Bring two forms of ID. One picture ID. Any other form of ID featuring an expiration date. A minimum deposit of $25 is required.
Jan 21, 2022

Which US bank does not require SSN? ›

Here are some banks and credit unions that don't require you to have an SSN to open an account: Bank of America. Chase. Wells Fargo.

Who is exempt from CIP requirements? ›

The CIP rule provides for an exception for opening an account for a customer who has applied for a tax identification number (TIN) and an alternative process for obtaining CIP identifying information for credit card accounts.

What are the requirements for CIP? ›

CIP rules require that at least the following must be collected from each customer:
  • Name.
  • Date of birth (for individuals)
  • Address (physical location, not P.O. box)
  • Identification Number. For US persons this includes a Tax Identification number (TIN) like a Social Security number.
Oct 29, 2018

How can an undocumented person open a bank account? ›

An undocumented immigrant will need an alternative to the Social Security number, or SSN, in order to open a bank account. This number is called an Individual Taxpayer Identification Number, or ITIN, and you can apply for one through the RIS. Many financial institutions will accept an ITIN in place of a SSN.

How to open a checking account without a Social Security number? ›

You are not required to have a social security number to open a checking or savings account. To open a checking or savings account, the bank or credit union will need to verify your name, date of birth, address, and ID number.

Can a non US citizen have a bank account in the US? ›

Now, you might be wondering, “Can a non-citizen open a bank account in the US?” Yes, you can. The process might be a bit complicated for non-citizens, but it's not impossible. Whether it's for business, travel, or personal reasons, setting up a US bank account will be worth the trouble.

What are the 3 key requirements to validate a client's CIP? ›

A compliant CIP has three major components to due diligence: planning and implementation, oversight and accountability, and independent auditing. Each of these may be more or less complex depending on the financial institution's business lines, size, structure, and risk profile.

Who is required to have an AML program? ›

1. What is an AML Compliance Program required to have? The Bank Secrecy Act, among other things, requires financial institutions, including broker-dealers, to develop and implement AML compliance programs. Members are also governed by the anti-money laundering rule in FINRA Rule 3310.

What is FDIC CIP requirements? ›

According to the Federal Deposit Insurance Corporation (FDIC), the CIP Rule has six general requirements:
  • A written program.
  • Four pieces of identifying information: customer name, date of birth, address, and identification number.
  • Identity verification procedures.
  • Recordkeeping.
  • Comparison with government lists.

How do banks know your customer requirements? ›

To meet KYC requirements, clients must provide proof of their identity and address, such as ID card verification, face verification, biometric verification, and/or document verification. Examples of KYC documents include a passport, driver's license, or utility bill.

How long does it take to become a CIP? ›

Become a CIP

To earn your CIP designation you must complete 10 courses and at least one year of full-time employment in the general insurance, life insurance, or a related financial services industry.

Are there online banks that don't need ID? ›

There is no regulated and authorized bank that opens accounts for clients who do not provide proof of identification. If someone claims to be able to open a bank account for you without requiring ID, then beware that it is very likely not a credible or legit form of business.

Can I open an account without any identification? ›

No, you cannot open a bank account without an ID. Banks are required by law to ensure you meet age and residency eligibility.

Who Cannot open a bank account? ›

A bank can deny your request to open an account because of past accounts that were closed due to negative balances, a history of overdrafts or problems verifying your identity.

Do all banks require ID to open an account? ›

Almost every bank requires you to present a valid government-issued photo ID when opening a checking account. This verifies that you are who you say you are and allows the bank to match your name to your face. The most common form of government-issued photo ID is a driver's license.

What are two types of identification that the bank needs to open a bank account? ›

Identification: This could be a valid: Government issued photo ID or driver's license. Social Security Card or Individual Taxpayer Identification Number.

Can a non US citizen open a bank account? ›

Yes, a foreigner can open a bank account in the U.S., it just takes some additional paperwork to make it happen. If you have a foreign government ID, passport or resident alien number from a green card, those will help. If you don't have a Social Security number, you'll need an ITIN.

What is the easiest bank account to open online? ›

15 Easiest Bank Accounts to Open Online
  • UFB Direct.
  • Albert.
  • Discover.
  • Marcus.
  • Varo.
  • Chime.
  • Chase Bank.
  • Ally Bank.
Jan 30, 2023

Can a non US citizen open a Chase bank account? ›

These banks require a social security number, which non-citizens don't have. This is the most common problem that foreigners realize. However, larger banks such as US Bank, TD Bank, Bank of America, Chase, and Wells Fargo will allow non-residents to set up a checking account and a savings account.

Why would a bank deny you a checking account? ›

Reasons You May Have Been Denied a Checking Account

Too many past bounced checks or overdrafts. Unpaid fees or negative balances from a current or closed account. Suspected fraud or identity theft. Too many accounts applied for over a short amount of time.

Why would someone be denied opening a bank account? ›

Such negative activities that show up on your report and hurt your approval chances include bouncing checks, leaving an overdraft balance unpaid, abusing a debit card or applying for too many accounts in a short period of time, according to credit bureau Experian.

Can a bank refuse to open a checking account? ›

Yes. Banks generally have discretion to determine to which parties and under what conditions they provide their products and services.

Can I open a bank account with just my birth certificate? ›

Applying for an Under 19s Account

One form of ID, such as passport, birth certificate or adoption certificate, as well as proof of the parent's identity and address are required.

Does bank of America require an ID? ›

What forms of identification are acceptable when conducting business with the bank? We require two forms of identification to verify your identity. You must bring at least one form of identification from the Primary ID List. The second form of identification can be from the Primary ID List or Secondary ID List.

What documents required for account opening? ›

Documents Required for Opening a Savings Bank Account-
  • Passport.
  • Voter ID Card.
  • PAN Card.
  • Government/Defence ID Card.
  • Driving License.
  • Pension Payment Orders issued to the retired employees by Central/State Government Departments, Public Sector Undertakings.
  • Photo ID Cards issued by Post Offices.
Oct 17, 2022


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