Quick Links — What Are You Looking For?
Step 1
How to Get an ITIN
Read guide →
Step 2
Open a Bank Account
Read guide →
Step 3
Build U.S. Credit
Read guide →
Also useful
Driver's License by State
Read guide →
Identification — What to Bring
The Guatemalan DPI (Documento Personal de Identificación) may be accepted as a secondary ID at some branches. A Guatemalan passport is the most widely accepted form of ID for ITIN account openings. Call ahead to confirm what your branch accepts.
Standard documents required at any U.S. bank for an ITIN account opening:
- Your ITIN or IRS CP565 letter
- Valid government-issued photo ID (passport is most widely accepted)
- Proof of U.S. address — utility bill, lease, or bank statement dated within 90 days
Banking With an ITIN
These four major banks accept ITIN for personal checking and savings accounts. You must apply in person — online applications are designed for SSN holders.
- Bank of America — most beginner-friendly; staff at most branches familiar with ITIN process
- Chase — best long-term; also accepts ITIN for business accounts and credit cards
- Wells Fargo — largest branch network in the U.S.
- Citibank — requires two forms of ID; fewer branches in some areas
Building Credit
A bank account does not build your credit score on its own. After opening your account, the next step is a credit card that reports to the three major bureaus.
- Capital One Secured Mastercard — $49–$200 deposit; ITIN accepted online; reviews for upgrade after 6 months
- Discover it Secured — $200 minimum deposit; earns cash back; automatic upgrade review at month 7
Pay the full balance every month. After 12–18 months of on-time payments, your credit score will qualify you for unsecured cards like Chase Freedom Unlimited or Amex Blue Cash Everyday.
Driver's License
Large Guatemalan communities are in California, Florida, Texas, New York, and New Jersey. California, Florida (DACA-only), New York, and New Jersey issue driver's licenses to ITIN holders — see the state-by-state guide.
See the full list: all states that accept ITIN for a driver's license →
Taxes
Guatemalan immigrants earning income in the U.S. must file a U.S. tax return using their ITIN. Guatemala does not have a comprehensive income tax treaty with the United States.
For step-by-step filing guidance, see: ITIN guide — how to apply and how to file →
Community Organizations
These organizations offer free or low-cost immigration legal help, community support, and referrals:
- CARECEN (Central American Resource Center) — Immigration legal services and community resources for Central Americans. Offices in LA, DC, and other cities.
- Guatemalan-Maya Center — Based in Florida; offers immigration, legal, and community services to Guatemalan Maya communities.
- National Immigration Law Center (NILC) — National organization offering immigration legal resources and know-your-rights information.