Banking in the United States typically requires a Social Security Number, but Bank of America offers options for customers who do not have an SSN. Whether you are new to the country, a permanent resident, or an international visitor, you can still open a checking or savings account.
This guide explains how to open and manage a Bank of America account without an SSN, what documents you need, and what to expect at each step.
| Account Type | Eligibility Without SSN | Primary ID Required | Typical Minimum Deposit |
|---|---|---|---|
| Everyday Checking | Yes | ITIN or other acceptable proof | $25 |
| Savings Account | Yes | ITIN or other acceptable proof | $0 to $100 |
| Secure Credit Card | Yes | ITIN required | $200 security deposit |
| Digital Wallet Services | Limited | ITIN or valid foreign ID | Varies |
Identification Alternatives When You Do Not Have an SSN
Bank of America accepts several forms of identification when you do not provide a Social Security Number. The most common alternative is an Individual Taxpayer Identification Number issued by the IRS.
You will also need proof of address, such as a utility bill or lease agreement in your name. Some customers use a combination of foreign passport and an additional U.S. address document.
Each branch may interpret document requirements slightly differently, so calling ahead can save time and prevent unnecessary trips.
How to Open a Bank of America Account Without an SSN
Visit a local Bank of America branch with your primary ID, such as an ITIN letter or acceptable alternative. Bring a second ID, like a passport or state ID, for additional verification.
Complete the application form and provide your current U.S. mailing address. You may be asked to sign a signature card and agree to monthly service fees.
Funding your account on the same day is often possible with a debit card, cash, or an electronic transfer from another bank.
Account Features and Fees for Customers Without an SSN
Accounts opened with an ITIN usually include standard features such as online banking, mobile check deposit, and debit card usage. Some fees, like monthly maintenance, may apply unless you meet specific waivers.
Understanding these fees ahead of time helps you choose the right account option and avoid surprises. Setting up direct deposit or maintaining a minimum balance can reduce or eliminate monthly charges.
Compare these features with other major banks to find the option that best matches your financial habits and needs.
Digital Banking and Customer Support for Non-SSN Accounts
Once your account is open, you can manage it through the Bank of America mobile app and website. These platforms allow you to monitor transactions, pay bills, and transfer funds without visiting a branch.
Customer service is available by phone and online chat, though wait times can vary. Having your account number and identification ready streamlines the support process.
If you travel internationally, check foreign transaction fees and ATM policies to manage costs effectively.
Key Takeaways for Opening and Managing Your Account
- An ITIN is the most common alternative to a Social Security Number at Bank of America.
- Bring multiple documents, including proof of identity and current U.S. address.
- Review monthly fees and minimum balance requirements before opening the account.
- Use digital banking tools to manage your account and reduce branch visits.
- Keep your tax identification information current to avoid service interruptions.
FAQ
Reader questions
Can I open a Bank of America checking account with only an ITIN?
Yes, Bank of America allows customers with an Individual Taxpayer Identification Number to open checking and savings accounts in person at most branches.
What happens if my ITIN expires after my account is opened?
You should update your tax identification information with Bank of America by providing a valid ITIN document to keep your account in good standing.
Will I be charged higher fees because I do not have an SSN?
Fees are generally the same as for other customers, but eligibility for fee waivers may depend on account activity, balance, or qualifying programs.
Can I apply online without visiting a branch if I do not have an SSN?
Most account applications without an SSN require an in-branch visit so that Bank of America can review original identification documents.