Many non-residents often inquire about the possibility of opening a U.S. bank account. While the process can sometimes be challenging, it is certainly not impossible. This article aims to provide a comprehensive guide on how to open a US bank account as a non-resident alien in 2025. We will cover the required documents, the minimum balance needed to open an account, and the best banks in the U.S. for non-residents.
If you are wondering who qualifies as a non-resident alien in the U.S., don’t worry! As you read on, you’ll learn about their definition and other important information we mentioned earlier.
Now, without further ado, let’s dive in!
Who is a Non-Resident Alien in the US?
If you are not a U.S. citizen by birth, you must first pass either the green card test or the substantial presence test. A non-resident alien in the U.S. is an individual who has not passed these two key tests—the green card test and the substantial presence test—for the calendar year (from January 1 to December 31).
Additionally, a new arrival on a J-1 or F-1 visa is typically considered a non-resident alien.
Since non-resident aliens have not fully integrated into U.S. citizenship, it can be challenging to open a bank account in the U.S. In fact, most banks may not be willing to allow you to open an account. However, there are a few banks that will accommodate you, but they often require a lot of documentation, which can make the account opening process quite difficult.
In the next section, we will provide more information about the general documents required to open a U.S. bank account as a non-resident alien in 2025.
What Documents are Required to Open a US Bank Account as a Non-Resident Alien?
The documents required to open a US bank account as a non-resident alien are as follows;
- Your full US address, with contact information and personal details
- Two forms of ID, such as a passport or driver’s license
- A valid visa or Green Card
- ITIN or Social Security Number (SSN)
How Much Do You Need to Open a US Bank Account as a Non-Resident Alien?
As a non-resident alien opening a US bank account, you’ll need to make an initial deposit, which can range from $25 to $3,000 or more depending on the bank.
A Step-by-Step Guide on How to Open a US Bank Account as a Non-Resident Alien?
With these four (4) key steps, you will learn how to open a US bank account as a non-resident alien.
1. Research and Choose a Bank
The first step in learning how to open a US bank account as a non-resident alien is to find out the types of banks that would or can cater to the financial needs you have. In choosing a bank, you need to be careful not to pick a bank that is not all that suitable for you and your financial goals. Here’s how to choose a bank
5 Factors to Consider Before You Choose a US Bank Account as a Non-Resident Alien
These factors will be able to put you in the right direction of choosing a good bank in the US
- International Wire Transfers: If you need to send or receive money internationally, ensure the bank offers this service with competitive fees.
- Customer Service: Look for a bank with good customer service, especially if you have questions or issues related to your account.
- Branch Network: If you prefer to bank in person, consider the location and accessibility of the bank’s branches.
- Account Maintenance Fees: Some banks charge monthly fees for maintaining an account, so compare these fees before choosing a bank.
- ATM Fees: Consider ATM fees, especially if you plan to use ATMs outside of your bank’s network.
2. Apply for the Bank Account — How to Open a US Bank Account as a Non-Resident Alien
From the research, you would have to know if it is either online or physical that you want to apply for a bank account. If is via online means, log in to the website of your desired bank, and navigate to the section where you can apply for a bank account as a non-resident alien.
Then apply with the necessary documents that are required. We have listed some of them earlier and just to add, different banks might require different documents and also have different procedures.
3. Verify your Documents and Account
After applying, be sure to verify your documents and the account—-is everything the way you want it to be? Are there any loopholes that might be a hindrance for you in getting a US bank account as a non-resident alien despite the fact that the bank allows you to apply? Ask yourself these questions in this verification stage and be sure that all is in order so that you can proceed to the next phase which is the account opening stage.
4. Account Opening
The account opening stage is where you will need to showcase some proof of financial stability. As we mentioned earlier, the average amount required to open a US bank account as a non-resident alien in 2025 may be different for different banks. However, the fees generally range between $25 to $3,000.
Top 5 Best US Bank Accounts for Non-Resident Aliens in 2025
- Wise Account
- Revolut Account
- Chase Total Checking
- Wells Fargo Everyday Checking
- Bank of America
1. Wise Account
Wise (formerly TransferWise) is ideal for non-resident aliens due to its low-cost international money transfers and accommodating approach to global banking.
- Multi-Currency Account: Allows users to hold and manage multiple currencies, making it easy to send and receive money internationally without high fees.
- Low Transfer Fees: Offers competitive exchange rates and low fees on international transfers compared to traditional banks.
- User-Friendly Online Interface: The platform is easy to navigate, with transparent fees and quick access to funds.
2. Revolut Account — How to Open a US Bank Account as a Non-Resident Alien
Revolut is a fintech company that provides an innovative banking alternative that caters well to non-resident aliens with its global focus.
- Global Spending with No Hidden Fees: Offers a debit card that can be used worldwide without hidden fees on foreign transactions.
- Currency Exchange: Allows users to exchange over 30 currencies at the interbank rate, which is ideal for frequent travelers or expats.
- Financial Tools: Provides budgeting tools, cryptocurrency trading, and wealth management options, all accessible via a mobile app.
3. Chase Total Checking
Chase offers a widely recognizable banking option in the U.S. for non-resident aliens who seek robust services and accessibility.
- Wide Network of ATMs and Branches: With one of the largest ATM and branch networks in the U.S., it’s convenient for users needing in-person banking services.
- Access to Full Banking Services: Offers a comprehensive range of banking products, including savings accounts, credit cards, and loans.
- Online and Mobile Banking: Provides a robust online platform and a mobile app that allows for easy money management and transfers.
4. Wells Fargo Everyday Checking
Wells Fargo is a major bank that also provides services tailored to individuals who may not be U.S. residents.
- No Monthly Service Fee with Simple Criteria: Offers features to waive monthly fees, making it accessible for non-residents who may not have a long-term income.
- Extensive ATM Access: Thousands of ATMs across the country, providing easy access to cash.
- Customer Support and Resources: Offers personalized customer support and resources specifically catering to international clients and new residents.
5. Bank of America
Bank of America offers a solid banking option for non-resident aliens due to its vast resources and range of products.
- International Wire Transfers: Easy to send money abroad with competitive fees and exchange rates.
- Comprehensive Banking Services: Offers a complete range of services, including checking accounts, savings accounts, credit cards, and investment options.
- Strong Online and Mobile Banking: Provides advanced online banking features and mobile apps that facilitate seamless banking and money management.
These banks not only provide essential banking services but also cater to your unique needs as a non-resident alien, ensuring that you have access to the financial resources you need while living or working in the U.S.
Conclusion on How to Open a US Bank Account as a Non-Resident Alien 2025
In conclusion, it is generally not easy to open a US bank account as a non-resident alien since you are not recognized as a US citizen (especially if you are not a citizen by birth and/or you haven’t passed the two most important tests).
Most of the banks require you to submit residency proof or that green card or its equivalent in order to be qualified as someone who can open a bank account there—this is what makes the process difficult because as a non-resident, you can’t easily have these required documents.
But then again, as we explained, not all US banks frown at non-residents opening a bank account with them; some of which we have listed above, and that is why you need to know their individual requirements and make sure that you have everything handy before going to apply.
Also, we have listed a step-by-step guide for learning how to open a US bank account as a non-resident alien. We hope this article was helpful enough for you. Don’t forget to reach out to us if you need any of our services like SOP, CV writing, or LinkedIn optimization that will facilitate your integration into the US workforce. Good luck!
