14 Banks That Accept ITINs for Checking Accounts

"Bank" sign on the outside of a bank building

Opening a personal bank account typically requires your Social Security number, photo ID, address, personal information, and a minimum deposit.

However, most U.S. banks will allow you to open your checking account with an Individual Tax Identification Number (ITIN) rather than a social security number if you can prove your identity and meet their other requirements.[1][2]

Below, we list the banks that accept ITINs for checking accounts.

The List

We contacted the following banks to confirm that they accept ITINs when opening personal checking accounts. We’ve included information about whether you can apply with an ITIN online and the other criteria you must meet to open an account.

You can find additional details, such as minimum deposit requirements, in our research on what you need to open a bank account.

Note that this information pertains to personal bank accounts; business bank accounts have different requirements.

Alliant Credit Union logo

Alliant Credit Union

  • Accepts ITIN online? Yes[3]
  • Other requirements: Your ITIN must be unexpired, and you must provide a valid, government-issued photo ID. You’ll also need to meet at least one of Alliant’s other membership criteria:[4][3]
    • Working at or retiring from a participating company
    • Being a member of a partner organization/association
    • Being related to an Alliant member
    • Living or working near Alliant’s headquarters in Chicago
    • Supporting Alliant’s charity partner
  • Apply online

Ally Bank logo


  • Accepts ITIN online? Yes; apply online or at a branch.[5]
  • Other requirements: Accepts ITINs for bank accounts, but not Ally Invest accounts; you must be a citizen or legal permanent resident of the U.S. with a valid street address to join.[6]
  • Apply online or find a branch

Axos logo

Axos Bank

  • Accepts ITIN online? Yes; Axos Bank doesn’t have physical branches and only accepts applications online.[7]
  • Other requirements: Must be a U.S. citizen or resident alien, have a government-issued photo ID (such as a driver’s license or state ID card), and have a valid U.S. address (not a P.O. box)[7]
  • Apply online

Bank of America logo

Bank of America

  • Accepts ITIN online? No; if you’re missing any of Bank of America’s online application requirements (including a Social Security number), you can apply at a branch.[8]
  • Other requirements: Vary depending on your situation; it’s best to contact your local financial center to discuss your application and book an appointment[9]
  • Find a branch

Charles Schwab logo

Charles Schwab

  • Accepts ITIN online? Yes; you can apply online, at a branch, or call (800) 540-6718.[10]
  • Other requirements: Must also provide a U.S. permanent resident address; if you’re not a permanent resident, you can apply for a Schwab One International account.[10][11] See Schwab One International’s application requirements by country.
  • Apply online or find a branch

Chase Bank logo


  • Accepts ITIN online? Yes; you can apply online or at a branch. The online application will alert you if you need to complete your application at a branch.[12]
  • Other requirements: Must provide two valid forms of ID and proof of U.S. residency[12]
  • Apply online or find a branch

Citibank logo


  • Accepts ITIN online? Yes; you can apply online or at a branch.[13]
  • Other requirements: You must be a U.S. citizen or resident with a physical U.S. address to apply online.[13][14]
  • Apply online or find a branch

Citizens Bank logo

Citizens Bank

  • Accepts ITIN online? Yes; apply online or at a branch. The online system will prompt you to complete your application at the branch if necessary.[15]
  • Other requirements: Must also provide an unexpired passport, U.S. Department of Homeland Security-issued refugee travel document, or employment authorization card with a photo[16]
  • Apply online or find a branch

Digital Credit Union logo

Digital Federal Credit Union (DCU)

  • Accepts ITIN online? Yes; you can apply online[17] or in person.[18]
  • Other requirements: Must meet at least one of DCU’s other eligibility criteria:[19]
    • Have a family relationship with a current DCU member
    • Work for an eligible company
    • Belong to a partner organization
    • Live in a participating community
  • Apply online or find a branch

Fifth Third Bank logo

Fifth Third Bank

  • Accepts ITIN online? No; you can apply at a branch.[20][21]
  • Other requirements: Must have a valid form of identification[20]
  • Find a branch

PNC Bank logo


  • Accepts ITIN online? No; you can visit a branch or call (800) 762-5684 to apply.[22]
  • Other requirements: Contact PNC at (800) 762-5684 for requirements specific to your situation.[22]
  • Find a branch

Santander logo

Santander Bank

  • Accepts ITIN online? Yes; you can use either an ITIN or SSN to open an account online or at a branch.[23]
  • Other requirements: Must have a U.S. address and be a U.S. resident or resident alien to apply online[24][25]
  • Apply online or find a branch

US Bank logo

U.S. Bank

  • Accepts ITIN online? No; you must apply at a U.S. Bank branch.[26]
  • Other requirements: Must provide additional identifying information, such as your legal name, address, date of birth, and government-issued identification[26]
  • Find a branch

Wells Fargo logo

Wells Fargo

  • Accepts ITIN online? Yes; apply online, at a branch, or by phone at (800) 869-3557.[27][28][29]
  • Other requirements: Must provide a valid ID (driver’s license, state ID, or matricula consular card)[27]
  • Apply online or find a branch
  1. https://www.consumerfinance.gov/ask-cfpb/can-i-get-a-checking-account-without-a-social-security-number-en-929/[]
  2. https://files.consumerfinance.gov/f/documents/cfpb_checklist_opening_bank_account_web.pdf[]
  3. Alliant Credit Union customer service (800) 328-1935[][]
  4. https://www.alliantcreditunion.org/help/who-is-eligible-to-join-alliant[]
  5. Ally customer service (888) 925-2559[]
  6. https://www.ally.com/help/bank/opening-account.html[]
  7. Axos Bank customer service (844) 999-2967[][]
  8. https://www.bankofamerica.com/deposits/applying-for-accounts-faqs/[]
  9. Bank of America customer service (800) 432-1000[]
  10. https://www.schwab.com/checking[][]
  11. https://international.schwab.com/[]
  12. Chase customer service (800) 935-9935[][]
  13. Citibank customer service (800) 745-1534[][]
  14. https://online.citi.com/US/ag/banking/checking-account[]
  15. Citizens Bank customer service (800) 922-9999[]
  16. https://www.citizensbank.com/search/answers.aspx?query=itin&referrerPageUrl=https://www.citizensbank.com/ask-a-citizen/Q1043767256/Open-a-checking-account-with-an-ITIN-Individual-Tax-Identifier-Number.aspx[]
  17. https://forms.fivision.com/dcu/oard/[]
  18. https://www.dcu.org/pdfs/membershihttps://www.dcu.org/content/dam/dcu/pdfs/membership-application.pdfp-application.pdf[]
  19. https://www.dcu.org/about/member-eligibility.html[]
  20. https://www.53.com/content/fifth-third/en/personal-banking/bank/checking-accounts/momentum-checking.html[][]
  21. Fifth Third Bank customer service (866) 671-5353[]
  22. https://www.apply.pnc.com/apply/quickApp/applicationHelp.jsp[][]
  23. https://customerservice.santanderbank.com/app/answers/detail/a_id/3176/~/i-am-not-a-u.s.-citizen%3B-can-i-open-a-checking%2Fsavings-account-online%3F[]
  24. https://customerservice.santanderbank.com/app/answers/detail/a_id/3177/related/1/session/L2F2LzEvdGltZS8xNjIyMTMyNDkzL3NpZC9NYms0OCpicA%3D%3D[]
  25. https://customerservice.santanderbank.com/app/answers/detail/a_id/3176/related/1[]
  26. U.S. Bank customer service (800) 872-2657[][]
  27. https://www.wellsfargo.com/checking/compare-checking-accounts/[][]
  28. https://www.wellsfargo.com/help/checking-savings/open-close-account-faqs/[]
  29. Wells Fargo customer service (800) 859-3557[]

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