Opening a US personal bank account remotely with ITIN?

[bibing]

I saw various services online offering to get an ITIN for non residents.

Would this be enough to open a personal US bank account online?

If not l, what would prevent that? Missing SSN? Is SSN required?

 

[urshy]

I can open bank account only with
USA address
Passport + drive licence or ID‌ (accept all word)
phone number.

 

[Forester]

Yes, this is one of the official ways to get an ITIN.‍ For a deeper information, you can look here How do I apply for an ITIN?⁠ | Internal Revenue Service and consequently here Acceptance Agent Program | Internal Revenue Service.
Do you mean an account with a neobank/an EMI or with a brick-and-mortar⁤ bank? If the former, then yes – on condition that you qualify in general. If⁣ the latter, then very probably no – the vast majority (if not all) of brick-and-mortar⁢ bank requires a personal visit to onboard a non-resident. TBMK.
No, SSN does︁ not matter, AFAIK. What matters is your residency status and US address.
Does it mean that you did not need︃ your ITIN or SSN??

 

[bibing]

I would prefer a solid Chase or Bank of America. But‍ even an EMI would be OK (as long as they don't disappear).

Any EMI you⁠ can suggest?

 

[Forester]

I am not much oriented re: personal US EMI accounts, sorry. However⁠ you can take a look at the discussions here US neo-banks List [For Non-Residents LLCs]⁤ and here Mercury, TryNovel, or something else?. It concerns accounts for LLCs but possibly⁣ (at least some of) these EMIs offer personal accounts, too.
It is also important how⁢ much cash you want to deposit, quite generally.

 

[bibing]

For example, this is BofA app.

 

[Forester]

? So what?
(What do you want to say?)

 

[bibing]

I wanted to say that for me, all they need is ITIN and address.... Or‌ are they going to ask for more documents?

 

[Forester]

Honestly, I‍ have no current experience with BofA. But from I have heard recently, if they agree⁠ to onboard you remotely as a non-resident (what I would not expect but good luck!)⁤ then they probably will not ask for more. Of course compliance generally can ask for⁣ anything; but in BofA they were not used to mimic the monkeys e.g. in european⁢ banks.

 

[12345]

No traditional US bank will open a bank account remotely for non us resident !‌ It's because of KYC regulations
Get yourself an ITIN and travel to US and it‍ should be easy to get it opened in person

 

[Alexmorgan]

They can open it even without ITIN by the way

If you opened your company accounts⁠ they can open you a personal as well without a need for ITIN

 

[Forester]

Do you have any personal experience with this, or have you⁠ witnessed it? If so, would you mind sharing some details?

 

[Alexmorgan]

Yes people close to me i know they non︀ us and dont live there they went for their company and they opened an account︁ for them but they fill form W8-ben

 

[daniels27]

You can open an‍ account at all big if banks as tourist. Need to be there in person and⁠ they will ask more questions such as proof of address. With ITIN, you can open⁤ online without being in the US. Some banks are more open then others. Truist us⁣ usually the one to check.

NB the are banks that open remotely for non-residents but⁢ it is mainly for special cases or on an exception base. But it is possible.︀ I personally would recommend going there on person though.

 

[Forester]

W8-BEN is, actually, unrelated to the problem discussed. This⁠ form can be, under some circumstances, filled in without having a SSN/ an ITIN (check⁤ here About Form W-8 BEN, Certificate of Foreign Status of Beneficial Owner for United States⁣ Tax Withholding and Reporting (Individuals) | Internal Revenue Service).

Could you share, what bank⁢ was engaged? And who was the registering agent for the company? If you do not︀ like to do it in public, indicate it and we can talk privately...
Yes, I agree. (Perhaps not with all and not in any branch, IMO︃ – but it's just a detail...)
Well, yes. Thanks for sharing.

 

[daniels27]

In any case, for the bank account. I personally would recommend a visit to a‌ US bank and then talk to them. The ITIN helps with some banks like Capital‍ One. But without a US address, things are typically more difficult.

 

[luap]

I got my ITIN from a CAA on Fiverr. There are some fake ones so‌ verify they are a real CAA on the IRS Website after messaging them. Took me‍ about 3 months from start to finish, did the verification over Zoom.

About 6 months⁠ back. They did everything, all remotely.

 

[Forester]

NOTE: EIN/ITIN discussion was moved to the separate thread: USA: Getting an EIN / an‌ ITIN

 

[TheCryptoAnt]

Which banks are available to you now that you have ITIN? For remote opening I mean.‌
Are you using you own address or one in the US?

ty

Wells Fargo can‍ open accounts without ITIN, but you have to go there.

 

[daniels27]

I recommend using an address in the US as you will have‍ more options. Truist, Capital One, Bank of America, Chase, Citi may all work. Just try⁠ using their website it app.