What Materials Are Required to Open a Bank Account in the US? This Article Tells You

What Documents Are Required to Open a Bank Account in the U.S.? Read This and You’ll Understand

In recent years, as economic exchanges between China and the U.S. have become increasingly frequent, more and more Chinese people are choosing to study, work or settle in the U.S. Whether you're staying temporarily or living there long-term, having a bank account in the U.S. is essential. However, for those who are new to the American financial system, opening a bank account can be confusing. So, what documents are needed to apply for a bank card in the U.S.? This article will provide a detailed explanation and help you complete this process with the aid of recent news information.

One Basic Documents Identity Proof is Key

The first step in opening a bank account in the U.S. is to provide valid identity proof documents. Typically, the following documents are accepted

1. Passport This is one of the most commonly used international identification documents. If you're a short-term visitor or have recently arrived in the U.S., your passport may be the only legal identity document you can provide.

2. Driver's License For individuals who have been residing in the state for some time, the driver's license issued locally can also serve as proof of identity. For example, the California DMV Department of Motor Vehicles announced in 2025 that it would simplify the process for non-citizens applying for a driver's license, making it easier for many international students and immigrants to obtain this important document.

3. Green Card If you have obtained permanent resident status, you can open a bank account with your green card. It should be noted that some banks may impose restrictions on those holding temporary visas, so it's recommended to consult specific bank requirements in advance.

4. Social Security Number SSN Although not all banks require applicants to have an SSN, having one does provide more convenience for your account. For instance, after registering with an SSN, you can easily set up online banking services and automatic transfers. However, since citizens from some countries cannot immediately obtain an SSN, they can also consider using an Individual Taxpayer Identification Number ITIN, though this is typically only applicable for tax purposes.

Two Address Proof Ensuring Authenticity is Crucial

In addition to identity verification, banks also need to confirm your actual residential address in the U.S. Common address proof materials include

Utility bills

Credit card statements

Rental agreements

School-issued accommodation certificates

It is worth noting that due to the impact of the pandemic on postal services, some banks have begun accepting electronic versions of these documents as valid address proofs. For example, Citibank clearly stated on its official website that as long as the electronic files are clear and contain complete information, they are considered valid materials.

Three Income Source Proof Demonstrating Financial Stability

Although most ordinary consumers do not need to provide income proof to open a basic savings account, if you want to apply for a credit card or other high-limit products, you need to demonstrate a stable source of income. Common methods of proof include

Pay stubs/tax returns

Self-employed individuals must submit recent revenue records

Students can provide scholarship or student loan certification issued by their schools

It is worth noting that in recent years, student cards aimed at younger demographics have become increasingly popular. These cards typically do not require strict credit scores but focus on encouraging young people to develop good financial habits. For example, JPMorgan Chase's Chase Freedom Student Card allows students without work experience to assess eligibility by completing an online questionnaire.

Four Challenges Arising from Language and Cultural Differences

Despite the apparent simplicity of the above steps, users whose native language is not English may still encounter obstacles during the actual operation. To address this, some large financial institutions like Wells Fargo have introduced multilingual customer service hotlines and optimized website interfaces. In early 2025, they particularly emphasized their support for the Asian community, promising to strengthen employee training to better understand communication habits across different cultures.

Five Summary and Recommendations

In summary, the core of opening a bank account in the U.S. lies in preparing comprehensive identity documentation, accurate address information, and necessary financial background materials. Meanwhile, considering individual circumstances, it's advisable to contact the target bank in advance to learn about its specific policies. Some banks may only accept certain types of customers, while others offer more flexible options.

Finally, remember to always be vigilant against online fraud risks. Especially when seeing claims on social media platforms that promise quick assistance with opening bank accounts, remain cautious. After all, protecting your personal property security should always come first!

I hope this article helps those who are preparing related matters! If you have any questions or additional comments, feel free to leave feedback for discussion.