The Best US Banks for Non Residents

How do you open an account with a US bank if you’re not a US resident? It’s one of the most common questions we get from our customers, and the answer isn’t as simple as it might seem at first glance. Every bank has different policies regarding non-resident accounts, so in this article we’ll review the best options available, depending on what you want to do with your non-resident account.

What are the best US bank accounts for non-residents?

This is a question I get asked a lot by new expats who are considering moving to America and need to know which bank accounts will be best for them. As an American citizen and former expat myself, I have some good answers based on my personal experience. Unfortunately, there’s no one size fits all answer because everyone has different banking needs and are some banks details:-

  • Chase Bank.
  • Bank of America.
  • Wells Fargo.
  • S. Bank.
  • Truist Bank.
  • PNC Bank

Account opening requirements by bank

Depending on your personal needs, opening a bank account in the U.S. can be fairly straightforward or complicated. Requirements will vary by bank, but generally you’ll need to provide some proof of identification (driver’s license, passport), fill out an application form and supply a social security number if you have one already, and wait for your background check to clear (this can take anywhere from a few days to several weeks). Here is more information on how to open a bank account in America.

How to open an account in a U.S. bank

If you want to open an account at a U.S. bank, you’ll need to go through a slightly different process than if you were a resident of that state. To open an account in your state of residence, you can use your passport as identification and proof of address, but if you live out-of-state and are not a citizen of that state, things get more complicated.

Common fees and charges while maintaining a U.S. bank account

While some international students open accounts with local banks, many choose to take advantage of U.S. banks that cater to an international market. These banks may be more accommodating and provide better service than a local bank. However, these banks will also often charge additional fees for maintaining an account as a non-resident alien or foreign national. It is important to factor in these additional costs when deciding where to open your account in order to make sure you’re getting enough bang for your buck!

American or foreign credit cards accepted?

If you’re an American living overseas, or a foreign national living in America, it can be tricky to find banks that accept your credit card. These two cards are good options if you’re looking to bank with an American bank without physically moving back stateside.

Tips on getting your U.S. paychecks cashed easily when you live abroad

While U.S. bank accounts can be useful when you live overseas, it’s not easy to transfer your American salary into them from a foreign employer. This can be especially problematic if you don’t have many local banks to choose from, or if you work part-time and aren’t getting paid regularly. Here are some tips on what to look for in a new bank as well as how to transfer money into an existing account without too much trouble (no matter where you live).


Despite it’s well-deserved reputation as one of the best banks in America, Chase is not currently open to non-residents or citizens. This means that you need to be a U.S. citizen or permanent resident if you want to open an account with Chase. That said, there are still some other options available to you: U.S Citizens who travel abroad frequently may consider opening accounts with foreign banks that have branches in America and/or maintain correspondent relationships with American banks.

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