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Updated April 2026
Which Banks Accept ITIN? 2026 ITIN Bank Finder
Over 20 US banks accept ITIN holders for checking, savings, and credit accounts. Search by bank name, state, account type, or features. Major banks including Chase, Bank of America, Wells Fargo, and Capital One all accept ITINs for personal accounts. Online banks like Mercury and Relay accept ITINs for business accounts. Find the right bank for your situation below.
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Major Banks That Accept ITIN Holders
Bank
Account Types
Monthly Fee
Branch Required
Chase
Checking, Savings
$12 (waivable)
Yes
Bank of America
Checking, Savings, CD
$4.95 (waivable)
Yes
Wells Fargo
Checking, Savings
$10 (waivable)
Yes
Capital One
Checking, Savings, Credit Card
$0
No (online)
Citibank
Checking, Savings
$12 (waivable)
Yes
US Bank
Checking, Savings
$6.95 (waivable)
Yes
Mercury
Business Checking
$0
No (online)
Relay
Business Checking
$0
No (online)
Wise
Multi-currency
$0
No (online)
How to Choose the Right Bank for Your ITIN
The best bank depends on 4 factors: whether you need a personal or business account, whether you can visit a branch, your fee sensitivity, and whether you need credit-building features. If you are inside the US, Chase and Bank of America offer the widest branch networks. If you are outside the US, Mercury and Wise offer fully online account opening.
Major banks that accept ITIN holders include Chase, Bank of America, Wells Fargo, Capital One, Citibank, US Bank, PNC Bank, TD Bank, and Regions Bank. Online banks that accept ITINs include Mercury, Relay, Wise, and Novo. Credit unions such as Navy Federal and local community credit unions also accept ITINs for checking, savings, and loan accounts.
Yes. Chase accepts ITIN holders for personal checking and savings accounts. You must visit a Chase branch in person with your ITIN, a valid passport, and proof of US address. Chase Total Checking has a $12 monthly fee (waivable with $1,500 minimum balance or $500 monthly direct deposit). Chase does not require an SSN for account opening if you present a valid ITIN.
Yes. Bank of America accepts ITIN holders for personal checking and savings accounts at branch locations. You need your ITIN, a valid government-issued photo ID (passport accepted), and proof of US address. Bank of America Advantage SafePass Checking has a $4.95 monthly fee waivable with $500 minimum balance. BofA is one of the most ITIN-friendly major banks.
Yes. Several banks issue credit cards to ITIN holders. Capital One offers secured and unsecured cards. Bank of America offers secured cards. Deserve offers unsecured cards specifically marketed to ITIN holders and international students. Building credit with an ITIN-linked credit card creates a credit history under your ITIN, which is important for future loans and mortgages.
Most US banks require a US address for account opening. This can be a residential address, PO Box, or registered agent address in some cases. Online banks like Mercury and Relay accept international addresses for business accounts. If you do not have a US address, consider opening a business account online through Mercury or Wise, which accept international addresses.
Yes, but options are limited for personal accounts. Most major banks (Chase, BofA, Wells Fargo) require an in-person branch visit for ITIN account opening. Online banks like Mercury and Relay accept ITINs for business accounts without branch visits. Wise accepts ITINs for multi-currency accounts entirely online from any country.
Yes. Banks report interest income earned on ITIN accounts to the IRS using Form 1099-INT. They also report account information under FATCA and CRS requirements. Your ITIN serves as your tax identification number for all bank reporting purposes. This is identical to how SSN-linked accounts are reported.
Yes. Several lenders offer ITIN mortgages including some branches of Chase, Wells Fargo, and numerous credit unions. ITIN mortgage rates are typically 1 to 3 percentage points higher than conventional loans. Down payments range from 15% to 25%. You need 2 to 3 years of US tax filing history with your ITIN to qualify for most ITIN mortgage programs.
Minimum deposits vary by bank. Chase requires $0 minimum opening deposit. Bank of America requires $25. Wells Fargo requires $25. Capital One 360 requires $0. Mercury requires $0 for business accounts. Most credit unions require $5 to $25 for a savings account (share account) to establish membership before opening checking.
Yes. There is no limit to how many bank accounts you can open with your ITIN. Many ITIN holders maintain accounts at 2 or 3 banks for different purposes: a major bank for in-person services, an online bank for fee-free transfers, and a credit union for loans and credit building. Each bank independently verifies your ITIN with the IRS.
Need an ITIN to open your bank account? Apply through our CAA-assisted service.