Short answer
Yes — major banks like Chase and Bank of America open accounts in-branch with just your passport and visa or offer letter, no SSN required. Bring proof of a US address if you have one, and an opening deposit. You can also open a multi-currency account (Wise, Revolut) before you fly. Add your SSN later, once it arrives, to unlock credit cards and avoid backup withholding.
Why you don't need an SSN for a checking account
An SSN is required for credit products (cards, loans) because lenders pull your credit file. A checking or savings account is just holding your own money, so federal rules let banks verify your identity with a passport and other documents instead. The catch is mostly logistical: many online applications force an SSN field, so you often have to open in person.
What to bring to the branch
- Passport (primary photo ID).
- Visa stamp / I-94 or your employer's offer letter as proof of status.
- A US address if you have one (lease, hotel, or your company's address may work — ask).
- A second ID if possible (foreign driver's license).
- An opening deposit (often $25–$100).
Go to a physical branch and tell them you're a new arrival without an SSN yet — staff at large banks do this routinely.
Which banks work for newcomers
| Option | How | Notes |
|---|---|---|
| Chase | In-branch | Widely reported to open with passport + visa, no SSN. |
| Bank of America | In-branch | Similar newcomer-friendly process. |
| HSBC / global banks | Sometimes pre-arrival | If you bank with them abroad, ask about a US "newcomer" account. |
| Wise / Revolut | Online, pre-arrival | Multi-currency; get US account details before you land. |
Programs change — confirm current requirements with the bank. Some links may be affiliate links.
Open something before you fly
A multi-currency account (Wise, Revolut, or your employer's onboarding bank) gives you US account and routing numbers before you arrive, so your first paycheck has somewhere to land and you can pay a deposit. It's not a full substitute for a US bank, but it removes the week-one scramble.
Add your SSN later (and avoid backup withholding)
Apply for your SSN about 10 days after US entry; it usually arrives in 2–6 weeks. Once you have it, give it to your bank. If you don't provide an SSN or ITIN, the bank may apply 24% backup withholding on interest, and you'll need it anyway to open credit cards.
Frequently asked
Can I open a US bank account online without an SSN?
Usually no — most online applications require an SSN field. Open in person at a branch instead, where banks can verify you with a passport and visa.
Can I use an ITIN instead of an SSN?
For many banks, yes. An ITIN (Individual Taxpayer Identification Number) can substitute for an SSN on deposit accounts and some credit products, though an SSN is simpler if you're eligible.
How long until I can get an SSN?
You can typically apply about 10 days after entering the US, and the card arrives within 2–6 weeks.
Will opening a bank account affect my credit?
No. Deposit accounts aren't credit products and don't create a credit inquiry or score.