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합법적으로 미국에 외국인이 은행계좌를 개설할 수 있습니다.
The Civil Rights Act of 1964에 따라 외국인, 비거주자, 국외거주자나 여행자도 합법적으로 미국에 은행계좌를 개설할 수 있습니다.
According to the Civil Rights Act of 1964, banks and private institutions can contract with foreigners, non-resident, expat, or traveler can open a bank account in the US.
However, the process is not as easy as it used to be and requires patience and planning.
Unfortunately, many banks rule it an unsafe option and avoid it while only a few banks have this as a valid option.
After 9/11, the Patriot Act set strict regulations for foreigners opening accounts in the US banks to avoid money laundering and terrorism problems.
All banks must follow these guidelines to verify the individual’s identity.
Regardless, the requirements change slightly from one bank to another.
Some banks rule that you must have a US-based address, online banks rule you must have an SSN (or an ITIN for a foreigner), and so on.
Especially small or medium sized businesses abroad, looking to expand their business.
If you have US-based clients or partners, you probably know by now that international transfers can be very expensive.
Most US businesses prefer using local methods for their easiness and speed like ACH transfers (direct deposits) or sending checks, so having it would definitely give you a smoother workflow with partners or businesses you deal with in the US.
Others that would benefit from it are international students that need quick funding access, tourists, frequent travelers to the US, and even online shoppers.
Many online stores only accept US bank options, shopping online with a US bank account is a lot easier than using an international account to avoid extra fees and currency exchange problems.
Requirements to open account :
For the bank to be able to trust you, security measures have been heightened.
Some banks will even require a background check before approving your account.
You will need to verify your identity, reliability, residency, and business.
For businessmen, it is easier to set a bank account for your business if you have the required documents and approval.
Please find below a list of all the requirements needed to open an account.
ㅡ Two forms of valid photo ID: Your passport is a must + secondary form of ID like your student ID, driver’s license… etc.
ㅡ Immigration documents: All legal documents, including your work or visit visa
ㅡ EIN (Employer Identification Number): This is a number assigned to you (foreign business) by the IRS, you need it to open a business in the US or open a bank account.
ㅡ US address: Most, if not all, banks require a physical US address to open a bank account
ㅡ Initial Deposit: Every bank requires you to have a minimum deposit in your account (the amount varies from one bank to another), it can be as low as $10 or as high as $100.
To open a US bank online account, there is more than one way to get this done; each has its set of pros and cons.
These options are opening a US bank online account, going to the US to open an account, or trying to open an account with an international bank that has a branch in your country.
1. Set up a bank account online :
This is probably the least used solution because it is the longest process and your account may still be disapproved insufficient identity verification. Banks like Citibank, Chase, Bank of America and Silicon Valley Bank offer online bank accounts or online banking services.
However, each bank has its own set of conditions so it will be best to contact the bank and find out what documents need to be submitted then you can email or fax them.
There is one common factor when setting up bank accounts online, and that is having an ITIN (Individual Taxpayer Identification Number).
This, in addition to other identification (like your passport, proof of residency…etc.) will boost your chances of getting accepted.
None of these banks are guaranteed to have you open a bank account in the US, but it’s worth a try. If the bank has a branch in your country, going directly to the bank is your second best option.
2. Go to an international bank’s branch:
These banks have branches inside and outside of the US like HSBC or Barclays. If possible, head to your local branch and inquire what needs to be done.
You will either need to verify your identification and funds with the local branch if the US branch approves this, if not, you may be required to go to the US to get it done.
Many businessmen seek this option to get their accounts open before traveling to the US. In the end, going to the US to get your bank set up is your best option.
3. Travel to the US:
This is the most common option to get your US bank account.
It’s common because it is the easiest and the most guaranteed to get approved and running.
If you have the funds to travel and have US-based clients, moving to the US is what you need to do.
Certain banks can get this done for you quickly without much trouble and are well known for their foreign policy, like Wells Fargo or Citibank.
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