17 Best Banks That Accept ITIN for Checking Account

Opening a bank account is easy when you have SSN, Photo ID, Billing Address, and Personal information. Each bank expects actual information from customers before starting to open a checking, savings, and deposit account. Apart from this information, ITIN (Individual Taxpayer Identification Number) is also necessary. We have outlined some reliable banks that accept ITIN for checking account. Let’s see.

What is ITIN?

According to Wikipedia, ITIN or Individual Taxpayer Identification Number is a United States Tax processing number.^[1] The Internal Revenue Service (IRS) issued this number for individuals. Its 9-digit number starts with the number 9. Ex. i.e., 9XX-XX-XXXX. ITIN is used to help people with US Tax laws. Those who are not eligible for Social Security Numbers can use ITIN. Some banks trust ITIN numbers, so they decide to accept ITIN to open a bank account.

Learn More: Top 5 Credit Cards That Only Ask for Last 4 Digits of Social Security Numbers (SSN)

What is Checking Account?

A checking account is a type of bank account used for day-to-day expenditure. It can be used to make purchases, pay bills, and many more. Opening a bank checking account is easy. When your purpose is to keep the money for the short or mid-term, bank checking account is a good option. If you use it for business purposes, your employee can directly deposit money to this account. Also, you can link to digital payment apps to manage money. It makes all financial tasks easier.

List of Banks That Accept ITIN for Checking Account

1) Alliant Credit Union

Alliant Credit Union is an online credit union that is great for banking services. It offers 0.25% APY on a checking account without monthly or minimum balance requirements. Alliant requires one deposit per month to earn dividends on the existing balance. You can deposit your money directly or by payroll, ATM, or Mobile deposit and transfer from another account. They also offer a Visa debit card for overdraft protection.

What About ITIN?

It accepts ITIN online. But, make sure your ITIN is not expired. You also need to provide a government-issued photo ID, Driving License, Passport, etc.

Who is Eligible to Join Alliant Credit Union?

You must need to meet any of these criteria in order to achieve Alliant’s Membership.

• Current or retired employee from a certified organization that partners with Alliant
• A family member or domestic partner of current account
• Living or Working near Chicago Headquarters

More Details: Alliant Credit Union

2) Ally

Ally Bank is an online banking offering checking accounts, savings accounts, Certificates of Deposit (CD), Money Market Accounts (MMA), credit cards, and auto loans service for consumers. You are only able to use a single checking account. And yes, it has a competitive interest rate. You won’t be charged for the maintenance of this account. The ATM’s facility is surprising since it is a part of Allpoint Network, you can access your account on 43000 ATMs. To deposit your money, you can use a scanner or use the Ally app. Ally Bank provides free debit cards and free checks for each account.

What About ITIN?

It accepts ITIN online. Also, you can apply from the nearest branch. But, make sure your ITIN is not expired.

Who is Eligible to Join Ally?

You must need to meet any of these criteria in order to achieve Ally’s Membership. To open an account with Ally Bank-

• You must be a citizen or permanent resident of the US
• You must be at least 18 years old
• You must have a Social Security Number (SSN)
• You need a Valid U.S. street address

More Details: Ally

3) Axos Bank

Axos Bank is the best online bank with a wide network of no-fee ATMs. A bank checking account is an essential way to keep your money safe. If you are looking for banks that accept ITIN for checking account, Axos Bank is a great option to go for. This account has no overdraft fee and has unlimited access to ATM fee reimbursements in the US. No minimum amount requirements to open a bank account and no monthly service fee for it.

What About ITIN?

It accepts ITIN online only. You can’t apply from branches because it doesn’t have any. Make sure your ITIN is not expired. You must be a citizen of the US with a valid street and house address.

Who is Eligible to Join Axos Bank?

You must need to meet any of these criteria in order to achieve Axos’s Membership. To open an account with Axos Bank–

• A valid government-issued ID with a Photo or Driving license or Passport
• You must be a citizen or permanent resident of the US
• You need a Valid U.S. street address
• You must have a Social Security Number (SSN)
• Other information: Birth Date, TIN (Taxpayer Identification Number), or phone number
• You must be at least 18 years old

More Details: Axos Bank

4) Bank of America

To get a top-notch label feature, you can bank with Bank of America. It has an extensive network and many ATMs everywhere in the USA. But it is not the best fit if you are looking for a low bank fee and high internet rate. You must spend $100 to open a checking account at Bank of America. It will charge a $12 maintenance fee if you have lower than $1500. BOM offers an interest-bearing checking account if you deposit $100. For noninterest-bearing banking, you may charge a $4.95 monthly fee, a $25 opening balance, and no paper checks.

What About ITIN?

Unfortunately, Bank of America doesn’t accept online. BUT, you can apply with ITIN at the nearest branch. First, make sure your ITIN is not expired and have a Social Security Number (SSN). You must be a citizen of the US with a valid street and house address. You also need to provide a government-issued photo ID, Driving License, Passport, etc.

Who is Eligible to Join Bank of America?

Since it is a highly secured bank. They don’t reveal the exact details of the eligibility criteria. Because it varies from person to person. You better contact the local Bank of America center and discuss opening a checking account with ITIN.

More Details: Bank of America

5) BMO Harris

BMO Harris is an online banking offering checking accounts, savings accounts, Certificates of Deposit (CD), Money Market Accounts (MMA), credit cards, and auto loans service for consumers. Though BMO Harris has several checking account sections, Smart Advantage checking is the most popular. This account is not bearing interest besides no monthly maintenance fees. It requires only $25 to open a bank account. Then there is no requirement for a minimum balance.

And remember, your account will be closed soon if you have $0 in the account. You can use ITIN to open this bank online or by phone or at the branch. This bank provides debit cards to access money and withdraw from ATMs. There are many more features in BMO Harris that you should accompany with.

What About ITIN?

Are you finding banks that accept ITIN for checking account. BMO Harris accepts ITIN online. Also, you can apply from the nearest branch. Make sure your ITIN is not expired.

Who is Eligible to Join BMO Harris?

You must need to meet any of these criteria in order to achieve BMO Harris Membership. To open an account with BMO Harris–

• A valid government-issued ID with a Photo or Driving license or Passport
• You must be a citizen or permanent resident of the US
• You need a Valid U.S. street address
• You must have a Social Security Number (SSN)
• Other information: Birth Date, TIN (Taxpayer Identification Number), or phone number
• You must be at least 18 years old

More Details: BMO Harris

6) Charles Schwab

Charles Schwab is a banks that accept ITIN for checking account. This account has excellent features, pays optimum interest and has a great ATM opportunity. If you want to use an ATM for free anywhere in the world, you can open a Charles Schwab checking or savings account. It offers 0.05% interest with no monthly fee. It doesn’t require any minimum balance in the account.

What About ITIN?

It accepts ITIN online. Also, you can apply from the nearest branch or call (800) 540-6718. Make sure your ITIN is not expired.

Who is Eligible to Join Charles Schwab?

You must need to meet any of these criteria in order to achieve Charles Schwab Membership. To open an account with Charles Schwab–

• A valid government-issued ID with a Photo or Driving license or Passport
• You must be a citizen or permanent resident of the US
• You need a Valid U.S. street address
• You must have a Social Security Number (SSN)
• Other information: Birth Date, TIN (Taxpayer Identification Number), or phone number
• You must be at least 18 years old

More Details: Charles Schwab

7) Chase

Chase is a solid option if you want to access an ATM and branch quickly. Because Chase is there where you live. Chase doesn’t require a minimum deposit to open an account. If you choose a Total Checking Account, you may charge $12 monthly for service. It has 16000 ATMs in the USA. The out-of-network ATM charge is $2.50 per transaction. Chase regularly updates offers for new customers. Be sure to check the offer section if you are a newbie and trying to open a bank account. Yes, Chase Banks that accept ITIN for checking account.

Learn More: How to Close Chase Account – Best Easy Methods

What About ITIN?

It accepts ITIN online. Also, you can apply from the nearest branch. If there is any issue on the Chase side, you will get an alert to go to the nearest branch in order to complete the application process. Be sure your ITIN is unexpired.

Who is Eligible to Join Chase?

You must need to meet any of these criteria in order to achieve Chase Membership. To open an account with Chase–

• Provide two valid government-issued Photo ID, Driving license or Passport
• You must be a citizen or permanent resident of the US
• You need a Valid U.S. street address
• Proof of US residency
• You must be at least 18 years old

More Details: Chase Bank

8) Citibank

Citibank is a decent banking service who are looking for great opportunities in checking, savings, deposit, and lending products. There are a couple of checking accounts Citibank has. But, its Basic Banking Package Simple account doesn’t require opening a deposit. Anytime, you can keep or withdraw money. The monthly fee is $12 and to waive it keep at least $1500 in the account. As an account holder, you can earn ThankYou points by qualifying bill payment and direct deposit.

What About ITIN?

It accepts ITIN online. Also, you can apply from the nearest branch. Make sure your ITIN is not expired.

Who is Eligible to Join Citibank?

You must need to meet any of these criteria in order to achieve Citibank Membership. To open an account with Citibank–

• Provide two valid government-issued Photo ID, Driving license or Passport
• You must be a citizen or permanent resident of the US
• You need a Valid U.S. street address
• Proof of US residency
• You must be at least 18 years old

More Details: CitiBank

9) Citizens Bank

Citizens Banks that accept ITIN for checking account, is only available in 11 States in Eastern US. It is a good option to use the Citizens banking service if you live in those states. Of plenty of accounts options, Citizens One Deposit Checking is the most reliable option to open this account with any amount of money. To avoid a $9.99 monthly fee, deposit at least one in each statement cycle. You can order a debit card and link it to the phone’s digital wallet for managing money. Additionally, it accepts Zelle which uses peer-to-peer transactions.

What About ITIN?

It accepts ITIN online. Also, you can apply from the nearest branch. If there is any issue on the Chase side, you will get an alert to go to the nearest branch in order to complete the application process.

Who is Eligible to Join Citizens Bank?

You must need to meet any of these criteria in order to achieve Citizens Bank Membership. To open an account with Citizens Bank–

• Provide two valid government-issued Photo ID
• Provide unexpired passport
• Department of Homeland Security-issued refugee travel document
• Employment authorization card with a photo

More Details: Citizens Bank

10) Digital Federal Credit Union (DCU)

Digital Federal Credit Union offers all types of accounts for you with no monthly fees and minimum deposit. Customers in the US can access more than 80000 ATMs. Its branch location is now limited to Massachusetts and New Hampshire. Digital Federal Credit Union (DCU) offers two checking options, Free credit union with checking and HSA checking.

DCU’s Free Checking account includes no monthly maintenance fees, and no minimum deposit or balance requirements. It offers 0.1% APY on $100000. You can use the ATM payback feature and get a $300 reimbursement per year if you deposit directly at an ATM and make 5 transactions per month.

DCU’s HSA Checking account also has no monthly maintenance fees, no minimum deposit, or balance requirements.

Learn More:

• 16 Banks in Arizona That Don’t Use ChexSystems
• 3 Reasons Why Some Banks Don’t Use ChexSystems

What About ITIN?

It accepts ITIN online. Also, you can apply from the nearest branch or in person. But, be sure your ITIN is not expired.

Who is Eligible to Join Digital Federal Credit Union?

You must need to meet any of these criteria in order to achieve Digital Federal Credit Union Membership. To open an account with Digital Federal Credit Union–

• Eligibility based on a current DCU member’s family
• You have worked for or Retired from an eligible company
• Eligibility Based on Your Organization
• If you work, worship, or live in DCU communities

More Details: DCU

11) Fifth Third Bank

To get basic features in regional financial institutions, you can go for Fifth Third Bank. It offers several checking accounts. If you want to open an account with no deposit and no monthly fee, you should choose a Momentum checking account. Additionally, it doesn’t offer any interest. No matter which account you choose, there are more than 50000 free ATMs for managing your money. Customers can also access money through a mobile banking app which comes with exciting features such as mobile deposit capture and instant alerts on suspicious activity etc.

What About ITIN?

Unfortunately, Fifth Third Bank doesn’t accept online. BUT, you can apply with ITIN at the nearest branch. But, make sure your ITIN is not expired.

Who is Eligible to Join Fifth Third Bank?

You must need to meet any of these criteria in order to achieve Fifth Third Bank Membership. To open an account with Fifth Third Bank–

• A valid government-issued ID with a Photo or Driving license or Passport
• You must have a Social Security Number (SSN)
• Other information: Birth Date, TIN (Taxpayer Identification Number) or phone number
• You must be at least 18 years old

More Details: Fifth Third Bank

12) HSBC

If you are a savvy person, HSBC bank is a great option. It pays good yields on short time certificates of deposit (CDs). HSBC Direct Checking accounts offer small interest but an option for paper checks. You can open this account online with a $1 entry charge. Then you don’t need to pay a monthly fee. A large network of ATMs helps you to manage money. Also, HSBC doesn’t charge for non-HSBC ATMs.

What About ITIN?

It accepts ITIN online. Also, you can apply from the nearest branch or in person. But, be sure your ITIN is not expired.

Who is Eligible to Join HSBC?

You must need to meet any of these criteria in order to achieve HSBC Membership. To open an account with HSBC–

• A valid government-issued ID with a Photo or Driving license or Passport
• You must have a Social Security Number (SSN)
• Other information: Birth Date, TIN (Taxpayer Identification Number), or phone number
• You must be at least 18 years old

More Details: HSBC

13) PNC

PNC Bank is famous for its great digital banking service and offers a surprising interest rate in particular cities. You need $25 to open a PNC Bank Standard Checking account. For Over $500 PCN won’t charge a service fee. That means you should have a minimum $500 balance in the account to avoid this fee. You may refuse to getting virtual account without SSN But, PNC provides Virtual Wallet Checking Pro. It’s an interest-bearing account. It doesn’t require a deposit and doesn’t have any maintenance fee. This account alerts the account holder when the amount is under $10. So that you can add money.

What About ITIN?

Unfortunately, PNC doesn’t accept online. BUT, you can apply with ITIN at the nearest branch or call (800) 762-5684. But, make sure your ITIN is not expired.

Who is Eligible to Join PNC?

You must need to meet any of these criteria in order to achieve PNC Bank Membership. To open an account with PNC–

• A valid government-issued ID with a Photo or U.S. Driver’s License, State Issued IDs, and Military IDs online
• You must be a citizen or permanent resident of the US
• You need a Valid U.S. street address
• You must have a Social Security Number (SSN)
• Other information: Birth Date, TIN (Taxpayer Identification Number) or phone number
• You must be at least 18 years old

More Details: PNC

14) Santander Bank

Santander Bank operates its service in particular areas. Northeast people can bank with Santander. It has branches in New Jersey, Massachusetts, Pennsylvania, New York, Delaware, Rhode Island, Connecticut, and New Hampshire. There are plenty of checking accounts available in Santander Bank. But, a Simply Right account may be the best fit for customers because it has no minimum balance rule aside, only $25 is needed to open an account. Generally, it requires you to pay $10 per month for maintenance, but you can waive it, if a minimum of one transaction per month. Santander Bank unveils a mobile banking app. That includes Zelle. It allows customers to send money anywhere and be able to pay online.

What About ITIN?

It accepts ITIN online. Also, you can apply from the nearest branch. But, be sure your ITIN is not expired. Besides ITIN you can also use SSN to open an account.

Who is Eligible to Join Santander Bank?

You must need to meet any of these criteria in order to achieve Santander Bank Membership. To open an account with Santander Bank–

• A valid government-issued ID with a Photo or U.S. Driver’s License, State Issued IDs, and Military IDs online
• You must be a citizen or permanent resident of the US
• You need a Valid U.S. street address
• You must have a Social Security Number (SSN)
• Other information: Birth Date, TIN (Taxpayer Identification Number) or phone number
• You must be at least 18 years old

More Details: Santander Bank

15) TD Bank

TD Bank is a type of bank, you can visit any branch any day of the week including Sunday. Also, if you live on the East Coast, then TD Bank is the best option for you. Maximum TD Bank’s branches are open the whole week. TD offers several checking account services but the TD Convenience account has great features overall. The daily requirements minimum balance is $100. And you can avoid the monthly fee. They also offer instant debit cards for ATM access. For home equity and personal loans, customers can get up to a 0.25% discount.

What About ITIN?

Unfortunately, TD Bank doesn’t accept ITIN online. BUT, you can apply with ITIN at the nearest branch. But, make sure your ITIN is not expired.

Who is Eligible to Join TD Bank?

You must need to meet any of these criteria in order to achieve TD Bank Membership. To open an account with TD Bank–

• A valid government-issued ID with Photo or Driver’s Licenses, State Issued IDs, and Military IDs online
• You must have a Social Security Number (SSN)
• Other information: Birth Date, TIN (Taxpayer Identification Number), or phone number
• You must be at least 18 years old

More Details: TD Bank

16) U.S. Bank

US Bank offers vast branches and an ATM network. It’s a high-rated interest-bearing bank. There are a couple of checking accounts US banks have. But, the U.S. Bank’s Easy Checking requires $25 to open. To avoid a $6.95 monthly maintenance charge, you need to deposit $1500 or at least $1000. It also uses Zell which helps to transfer money anywhere in the world. 

What About ITIN?

Unfortunately, TD Bank doesn’t accept ITIN online. BUT, you can apply with ITIN at the nearest branch or call U.S. Bank customer service (800) 872-2657. But, make sure your ITIN is not expired.

Who is Eligible to Join the U.S. Bank?

You must need to meet any of these criteria in order to achieve U.S. Bank Membership. To open an account with U.S. Bank–

• A valid government-issued ID with a Photo or U.S. Driver’s License, State Issued IDs, and Military IDs online
• You must have a Social Security Number (SSN)
• Other information: Birth Date, TIN (Taxpayer Identification Number), or phone number
• You must be at least 18 years old

More Details: US Bank

17) Wells Fargo

Wells Fargo is a type of bank that ensures a vast network of branches and ATMs. From plenty of account options, Wells Fargo’s Everyday Checking account is a decent deal. It costs $25 to open. For less than $500, you need to pay a $10 monthly fee. Other accounts are the Portfolio Checking account and Clear Access Banking account. These also offer the best interest rate. Also, provide a Credit Card. You can take help to activate a Wells Fargo credit card from our blog.

What About ITIN?

It accepts ITIN online. Also, you can apply from the nearest branch or by phone at (800) 869-3557. But, be sure your ITIN is not expired.

Who is Eligible to Join Wells Fargo?

You must need to meet any of these criteria in order to achieve Wells Fargo Membership. To open an account with Wells Fargo–

• A valid government-issued ID with a Photo or U.S. Driver’s License, State Issued IDs, and Military IDs online
• You must have a Social Security Number (SSN)
• Other information: Birth Date, TIN (Taxpayer Identification Number), or phone number
• You must be at least 18 years old

More Details: Wells Fargo

Final Outline

ITIN can be a lifesaver if you are a non-resident. Take advantage of ITIN, if you haven’t SSN. Opening a bank account is always necessary. If you are looking forward to opening an account consider using our listed banks that accept ITIN for checking account. Hope you get relevant information about this. That’s for today!