Does Bank of America Accept ITIN?

Bank of America is widely considered the most accessible major bank for first-time ITIN account holders. Branch staff at most locations are familiar with the process, and the bank has a formal policy accepting ITIN for personal banking.

💡 Call ahead first

Before visiting, call the branch and say: "I'd like to open a checking account using my ITIN — can you confirm someone is available to help me with that today?" Not every teller handles ITIN applications. This ensures the right person is ready and saves you the trip if they're not.

Accounts Available With ITIN

Documents to Bring

What to bring to Bank of America
  • Your ITIN — memorized, written down, or bring your IRS CP565 letter (the official IRS letter confirming your ITIN number)
  • Government-issued photo ID — a valid foreign passport is most widely accepted; a consular ID (matrícula consular) is also accepted at Bank of America
  • Proof of U.S. address — a utility bill, lease agreement, or bank statement showing your name and current U.S. address dated within the last 60–90 days

⚠️ Originals only

Bring original documents — photocopies are not accepted. If your address proof is in another language, bring a certified translation. Documents should show your current address and be dated within the last 60–90 days.

Step-by-Step Process

  1. Step 1: Call the branch first — say "I'd like to open a checking account with my ITIN, can you confirm someone is available to help me today?" This saves you a wasted trip if a branch isn't prepared.
  2. Step 2: Gather your documents: ITIN or CP565 letter, foreign passport or consular ID, proof of U.S. address.
  3. Step 3: Visit the branch in person — ITIN applications cannot be done online.
  4. Step 4: Ask to open the Advantage SafeBalance account if this is your first U.S. bank account — it has no overdraft fees and a waivable monthly fee.
  5. Step 5: The banker will enter your ITIN in place of an SSN on the application.
  6. Step 6: You'll receive a temporary debit card at the branch; your permanent card arrives by mail in 5–7 business days.
  7. Step 7: Set up online banking before you leave so you can monitor your account immediately.

Frequently Asked Questions

Does Bank of America accept ITIN? +
Yes. Bank of America accepts an ITIN in place of a Social Security Number for personal checking and savings accounts. You must apply in person at a branch — online applications require an SSN. Bring your ITIN (or CP565 letter), a valid foreign passport or consular ID, and proof of a U.S. address.
Can I open a Bank of America account without an SSN? +
Yes. Bank of America allows you to open a checking or savings account using an ITIN instead of an SSN. This is done in person at a branch. You cannot apply online without an SSN.
Does Bank of America accept matrícula consular? +
Yes. Bank of America accepts the consular identification card (matrícula consular) issued by Mexican and some other foreign consulates as a valid ID for opening an account, alongside your ITIN.
Which Bank of America account should I open first with an ITIN? +
The Advantage SafeBalance Banking account is the best starting point. It has no overdraft fees (which is helpful when you're new to managing a U.S. bank account), a low $4.95/month fee that can be waived for students or with a qualifying balance, and gives you full online and mobile banking access.
Can I get a Bank of America credit card with an ITIN? +
Bank of America's credit card ITIN policy varies by card and branch. Some branches will accept ITIN for credit applications once you have an established banking relationship; others require an SSN. Ask at your branch after you've had your account open for at least 6 months and have begun building a credit history.

Compare Other Banks

All four major banks accept ITIN. Compare options:

Bank of America Chase Wells Fargo Citibank

For a full side-by-side comparison, see the best banks for ITIN holders guide →

💡 Next step

After opening your account, the next step is building credit — starting with a secured credit card. How to build credit with an ITIN →