Bank of America will open an account for you without an SSN, but you'll need an ITIN or passport instead

Bank of America does not require a Social Security Number to open a checking or savings account. You can use an Individual Taxpayer Identification Number (ITIN), a valid passport, or other government-issued ID depending on your situation. The bank's policy is to accept multiple forms of identification, which makes it possible for non-citizens, undocumented immigrants, and people without an SSN to hold an account.

The specific documents you'll need depend on whether you have an ITIN. If you do, bring it along with a photo ID. If you don't have an ITIN yet, you can still open an account using a passport or consular ID, though the process may take longer because the bank will need to verify your identity through other means.

Key Takeaways

  • Bank of America accepts ITINs, passports, and consular IDs in place of a Social Security Number for account opening.
  • You will need to provide a photo ID and proof of address, just as any other customer would.
  • The bank may place temporary holds or limits on your account until identity verification is complete, which can take several business days.
  • Online account opening is not available without an SSN; you must visit a branch in person.

What documents you need to bring to the branch

When you visit a Bank of America branch, bring at least two forms of ID. Your primary ID should be a government-issued photo ID — a passport works well, as does a consular ID card from your home country's embassy or consulate. A driver's license from any state is also acceptable.

You'll also need proof of your current address. This can be a utility bill, lease agreement, or recent mail from a government agency. The document must show your name and address and be dated within the last 60 days. If you don't have a US address yet, some branches will accept a letter from an employer or a temporary address where you're staying.

If you have an ITIN, bring the document or the IRS letter that issued it. If you don't have an ITIN, the bank can still open your account, but verification may take longer.

How the verification process works without an SSN

When you open an account without an SSN or ITIN, Bank of America uses a different verification path. The bank will run your information through identity verification services that cross-reference your passport number, name, and date of birth against databases. This process is legal and standard for international customers.

The bank may place a temporary hold on your account for 1 to 5 business days while this verification happens. During this time, you can deposit money and use your debit card, but large transactions or wire transfers may be delayed. Once verification is complete, your account will have full functionality.

If the bank cannot verify your identity through this process, a manager may ask for additional documents — such as a letter from your employer, proof of enrollment at a school, or a copy of your visa or travel documents. This is not a rejection; it's part of the standard verification for customers without US identification numbers.

Account types available without an SSN

Bank of America offers the same account types to customers without an SSN as to those with one. You can open a checking account, savings account, or both. The most common choice for people without an SSN is a basic checking account paired with a savings account.

Some accounts require a minimum opening deposit — typically $25 to $100 depending on the account type. Check the current requirements when you visit the branch, as they change periodically. You can fund the account with cash, a check, or a transfer from another bank.

Certain premium accounts or investment products may have additional requirements that the bank will explain during your visit. For most people without an SSN, the standard checking and savings products work without issue.

What happens after you open the account

Once your account is open, you'll receive a debit card within 7 to 10 business days. You can use your debit card immediately at ATMs and for purchases, even if it hasn't arrived yet — the bank will provide a temporary card number or allow you to use your account number at the branch.

You'll also set up online banking and a PIN for phone banking. Online banking works the same way for customers without an SSN. You can check your balance, transfer money between accounts, and pay bills online just like any other customer.

If you later obtain an SSN, you can update your account information at any branch. This does not require closing and reopening your account — it's a simple update to your existing profile.

Limits and restrictions you may face

Some Bank of America branches may place temporary limits on wire transfers or international transfers while your identity is being verified. These limits typically last 1 to 5 business days and are lifted once verification is complete. This is not a permanent restriction — it's a standard security measure.

Certain services, such as applying for a credit card or a personal loan, may not be available to customers without an SSN. Bank of America uses the SSN for credit reporting and underwriting, so these products require one. However, you can use your debit card and checking account without restriction.

If you plan to receive wire transfers from outside the US, inform the bank when you open your account. They may ask for additional information about the source of the funds, which is a compliance requirement, not a barrier to opening the account.

Getting an ITIN if you don't have one

An ITIN is issued by the IRS and is used for tax purposes. You don't need an ITIN to open a bank account, but having one can speed up the verification process. To get an ITIN, you file Form W-7 with the IRS. You can file by mail or in person at an IRS office.

The process takes 4 to 6 weeks by mail. If you file in person at an IRS office with a valid passport, you may receive your ITIN faster. Many community organizations and tax preparation services can help you file Form W-7 for free or at low cost.

Once you have an ITIN, you can use it at Bank of America just like an SSN. It will be in your account file and will be used for any tax reporting the bank needs to do.

Frequently Asked Questions

Can I open a Bank of America account online without an SSN?

No. Bank of America's online account opening requires an SSN or ITIN. You must visit a branch in person to open an account without one. Bring your passport, proof of address, and any other ID the bank requests.

Will the bank report my account to immigration authorities?

No. Banks are required to verify customer identity for anti-money-laundering purposes, not to report immigration status. Opening a bank account does not trigger any immigration reporting. The bank's job is to confirm you are who you say you are, not to investigate your legal status.

What if I don't have a US address yet?

Some branches will open an account using a temporary address or a work address. Bring whatever proof of address you have — a letter from your employer, a hotel confirmation, or a lease agreement. If you have no US address at all, ask the branch manager; policies vary slightly by location.

Can I use a consular ID instead of a passport?

Yes. A consular ID card issued by your country's embassy or consulate is acceptable as a primary form of ID. Bring it along with proof of address, and the process is the same as with a passport.

How long does verification take if I don't have an ITIN?

Verification typically takes 1 to 5 business days. During this time, your account is open and usable, but large transactions may be delayed. Once verification is complete, there are no restrictions. If the bank needs additional documents, they will contact you within a few days of opening the account.