Does Citibank Accept ITIN?

Citibank is a legitimate option for ITIN holders, though its branch network is more concentrated in major metro areas. If there's a Citibank near you, the process is similar to other major banks. If not, Bank of America or Chase is likely more convenient.

💡 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 Citibank
  • Your ITIN — memorized, written down, or your IRS CP565 letter
  • Two forms of government-issued ID — Citibank typically requires two IDs: a valid foreign passport plus one additional ID (second foreign ID, consular card, or home-country driver's license)
  • Proof of U.S. address — utility bill, lease, or official mail 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 ahead — Citibank's two-ID requirement is branch-specific; confirm what they accept before visiting.
  2. Step 2: Bring your passport, a second ID, ITIN or CP565 letter, and proof of address.
  3. Step 3: Ask to open the Citi Access Account as your first account — no overdraft fees.
  4. Step 4: The banker records your ITIN in place of an SSN.
  5. Step 5: Debit card issued at branch or by mail depending on the branch.
  6. Step 6: Set up Citi Online before leaving.

Frequently Asked Questions

Does Citibank accept ITIN? +
Yes. Citibank accepts an ITIN in place of a Social Security Number for personal checking and savings accounts. Applications must be done in person at a branch. Citibank typically requires two forms of ID — a foreign passport plus one additional ID — along with your ITIN and proof of a U.S. address.
Can I open a Citibank account without an SSN? +
Yes. Citibank allows ITIN holders to open accounts in person at a branch. One thing to note: Citibank often asks for two forms of identification, whereas Bank of America and Chase typically require just one. Bring your passport plus a second ID (another foreign government ID or consular card).
Why does Citibank require two forms of ID? +
Citibank's branch policy for ITIN applicants typically requires two ID documents to verify identity — this is stricter than most other major banks. The standard combination is a valid foreign passport plus a second form of ID such as a consular card, foreign national ID, or home-country driver's license.
Is Citibank a good choice for ITIN holders? +
Citibank works, but it has two practical limitations compared to Bank of America or Chase: fewer branches nationwide (concentrated in major cities), and a two-ID requirement that some applicants find inconvenient. If you're in a major metro area with a Citibank nearby, it's a valid option. If convenience is a priority, Bank of America tends to be easier for first-time applicants.

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 Citibank account, start building your credit history with a secured card — you can apply without leaving Citibank if they offer one. How to build credit with an ITIN →