Yes, a passport works as a primary ID for most banks, but you will usually need a second document too

A valid passport is accepted by nearly every U.S. bank as proof of identity. However, most banks require two forms of ID, not one. Your passport alone covers the identity part, but you will also need to prove your address — typically with a utility bill, lease, or government mail — or provide a second photo ID like a driver's license or state ID card. Some banks accept a passport plus a Social Security number verification instead of a second physical document.

The specific rules depend on the bank. Large national banks like Chase, Bank of America, and Wells Fargo all take passports, but their second-document requirements vary slightly. Credit unions and smaller regional banks may have different thresholds. Before you go in, call the branch or check their website for the exact list of acceptable documents.

Key Takeaways

  • A U.S. passport is a valid primary ID for opening a bank account at virtually all banks, but most require a second form of identification or proof of address.
  • Acceptable second documents usually include a utility bill, lease agreement, government mail, or another photo ID like a driver's license or state ID.
  • Some banks will accept your passport plus verification of your Social Security number instead of a physical second document.
  • Call your bank branch ahead of time to confirm which documents they accept, because requirements vary by institution and sometimes by branch.

What counts as a second document at most banks

If your passport is your only ID, you will need to bring something that proves your current address. A recent utility bill (electric, gas, water, or internet), a lease or rental agreement, or a piece of government mail with your name and address will work at most banks. The document usually needs to be dated within the last 60 to 90 days, though some banks are flexible if you are moving or recently moved.

If you have a second photo ID — a state driver's license, state ID card, or passport card — that can replace the address document at many banks. Some banks will also accept a military ID, tribal ID, or passport card. The key is that it must have your photo and be unexpired or only recently expired.

A few banks will skip the second document entirely if you can verify your Social Security number on the spot. They may ask you security questions based on your credit history, or they may simply run a background check using your SSN and passport. This is less common but does happen, particularly at online banks or credit unions.

Passport cards and passport books are treated the same way

A U.S. passport card (the wallet-sized version) and a passport book (the traditional booklet) are both valid primary IDs for opening a bank account. Banks do not prefer one over the other. The passport card is easier to carry, but the passport book is what most people have, and either one works.

An expired passport is generally not accepted, even if it expired recently. Banks treat an expired passport the same way they treat an expired driver's license — it is no longer valid proof of identity. If your passport has expired, you will need to renew it through the State Department before opening an account, or bring a different primary ID.

What happens if you do not have a second document

If you have a passport but no utility bill, lease, or second ID, you have a few options. First, ask the bank whether they will accept a Social Security number verification instead — many will, and it takes only a few minutes. Second, some banks will let you bring a bank statement from another account, a mortgage statement, or a credit card statement as proof of address. Third, you can ask whether the bank will open the account with just your passport and SSN, then mail you a debit card to your address as a way of confirming it.

If none of those work, you may need to wait until you have a utility bill or lease in your name. This is most common for people who have just moved or are living with family. In that case, a roommate's utility bill with your name added, or a letter from your landlord on letterhead confirming your address, sometimes works — but call ahead to ask.

Online banks may have different rules than branches

Online-only banks like Ally, Charles Schwab, and Discover often have more flexible ID requirements than brick-and-branch banks. Many will open an account with just a passport and Social Security number, with no second document needed. They verify your identity through background checks and security questions instead of requiring physical paperwork.

However, some online banks still ask for a second document or proof of address, so do not assume. Check the bank's website or call their customer service line before you start the account opening process. If you are opening an account online, you will upload photos of your documents rather than showing them in person, so make sure your passport photo is clear and legible.

What to bring to the bank branch

Bring your passport in person, even if you are opening the account online — most banks will ask you to verify it at some point, either during the initial setup or before your first transaction. Bring your second document (utility bill, lease, or second ID) as well. Bring your Social Security number or Social Security card if you have it. Bring a phone number where the bank can reach you and an email address.

If you are opening a joint account, both account holders need to bring their own ID and proof of address. If you are opening an account for a minor, a parent or guardian must be present with their own ID, and the minor should bring a school ID or passport if they have one.

Frequently Asked Questions

Can I open a bank account with an expired passport?

No. Banks treat an expired passport as invalid ID, the same way they treat an expired driver's license. You will need to renew your passport through the State Department before opening an account, or bring a different valid photo ID.

Do I need my Social Security card if I have a passport?

You do not need the physical card, but you will need to provide your Social Security number. If you do not know it, you can look it up on old tax returns, W-2 forms, or bank statements. The bank will verify it during the account opening process.

What if I am a permanent resident or visa holder with a passport from another country?

A foreign passport is generally not accepted as a primary ID for opening a U.S. bank account. You will need a U.S. state ID, driver's license, or other U.S.-issued photo ID. Some banks may accept a foreign passport plus an I-94 arrival/departure record or visa stamp, but call ahead to confirm.

Can I open a bank account with just a passport and no address proof?

Some online banks and credit unions will, using Social Security number verification and background checks instead. Traditional brick-and-branch banks almost always require a second document or proof of address. Call your bank to ask whether they will make an exception.

How long does it take to open an account with a passport?

In person at a branch, it usually takes 15 to 30 minutes. Online, it can take anywhere from a few minutes to a few days, depending on how quickly the bank verifies your identity. Some banks fund the account immediately; others wait for a background check to clear first.