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
A valid Honduran passport is the most widely accepted ID for opening a U.S. bank account alongside your ITIN. Honduras's consulate in the U.S. can help you obtain or renew a Honduran passport if needed.
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 Honduran communities are in Houston, Miami, New York, and New Orleans. Texas, Florida, New York, and Louisiana — check the state-by-state guide for driver's license eligibility in your state.
See the full list: all states that accept ITIN for a driver's license →
Taxes
Honduran immigrants earning income in the U.S. must file a U.S. tax return using their ITIN. TPS holders from Honduras are work-authorized and eligible for an SSN — use your SSN rather than an ITIN if you have work authorization.
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 for Central American communities, including TPS assistance.
- CLINIC (Catholic Legal Immigration Network) — Accredited immigration legal services across the U.S. — free or low-cost.
- RAICES — Texas-based; provides legal services and support to immigrants and asylum seekers.