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Account iconAn icon in the shape of a person's head and shoulders. It often indicates a user profile. Login 27 banks and credit unions that make it easy for immigrants and non-US citizens to open accounts
Insider's experts choose the best products and services to help make smart decisions with your money (here’s how). In some cases, we receive a commission from our our partners,
however, our opinions are our own. Terms apply to offers listed on this page. When you open a bank account, financial
institutions require several forms of identification to verify your identity. Many banks and credit unions will ask for at least a government-issued ID, social security number, and home address. Some banks may have stricter documentation requirements. If you're not a US citizen, you may not have an SSN or the required IDs
needed to open an account at many places. But you do have options. Below, you'll find 27 banks and credit unions throughout the US that accept documents such as foreign IDs if you're not a US citizen. Bank of America Advantage Savings Account Annual Percentage Yield (APY) 0.01% to 0.04% Minimum Deposit Amount $100 Bank of America Advantage Savings Account Annual Percentage Yield (APY) 0.01% to 0.04% Minimum Deposit Amount $100 On Bank of America's website On Bank of America's website Annual Percentage Yield (APY) 0.01% to 0.04% Minimum Deposit Amount $100
Check mark iconA check mark. It indicates a confirmation of your intended interaction. New accounts have monthly fee waived for the first 6 months
Check mark iconA check mark. It indicates a confirmation of your intended interaction. Multiple ways to waive monthly fee after the first 6 months
Check mark iconA check mark. It indicates a confirmation of your intended interaction. No excess withdrawal fee if your balance is at least $20,000, or if you're a Preferred Rewards customer
Dash iconA dash. It often indicates an interaction to shrink a section. Low APY
Dash iconA dash. It often indicates an interaction to shrink a section. Compounds interest monthly, not daily
Dash iconA dash. It often indicates an interaction to shrink a section. $100 opening deposit
Dash iconA dash. It often indicates an interaction to shrink a section. $8 monthly service fee
Dash iconA dash. It often indicates an interaction to shrink a section. $10 excess withdrawal fee Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Branch locations: Over 4,200 branches in 37 states throughout the US Alternative identification forms you can use: You need to have two forms of ID with photos. For your primary ID, you can use a Canadian Citizenship Certificate Card, Foreign passport, Mexican Consular ID, Dominican Republic Consular ID, Colombian Consular ID, or Guatemalan Consular ID. For your secondary ID, you can use any of the primary IDs mentioned — or a credit card from a major financial institution or retail company, debit card from a financial institution, foreign driver's license, Mexican Voter Registration Card, current lease agreement, recent utility bill, recent vehicle registration, diver's permit, health insurance document, or Hong Kong Travel Document. View a list of US IDs you can use here, under "The day of your appointment." 2. Wells FargoWells Fargo Way2Save® Savings Account Annual Percentage Yield (APY) 0.01% Minimum Deposit Amount $25 Wells Fargo Way2Save® Savings Account Annual Percentage Yield (APY) 0.01% Minimum Deposit Amount $25 Wells Fargo Way2Save® Savings AccountDetailsAnnual Percentage Yield (APY) 0.01% Minimum Deposit Amount $25 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. $25 minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. Automatic savings feature Check mark iconA check mark. It indicates a confirmation of your intended interaction. Includes a debit card Dash iconA dash. It often indicates an interaction to shrink a section. Low APY Dash iconA dash. It often indicates an interaction to shrink a section. $5 monthly service fee HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Branch locations: Over 5,000 branch locations in 36 US states and Washington DC Alternative identification forms you can use: You'll need two forms of ID. Any of the following can be used: a permanent resident card, foreign visa, foreign passport, or Individual Taxpayer Identification (ITIN) number. 3. Santander BankSantander® Bank, N.A. Savings Account Annual Percentage Yield (APY) 0.03% Minimum Deposit Amount $25 Santander® Bank, N.A. Savings Account Annual Percentage Yield (APY) 0.03% Minimum Deposit Amount $25 On Santander Bank, National Association's website Santander® Bank, N.A. Savings AccountOn Santander Bank, National Association's website DetailsAnnual Percentage Yield (APY) 0.03% Minimum Deposit Amount $25 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. Low $1 monthly service fee Check mark iconA check mark. It indicates a confirmation of your intended interaction. Easy to waive monthly service fee Dash iconA dash. It often indicates an interaction to shrink a section. Low APY Dash iconA dash. It often indicates an interaction to shrink a section. $25 opening deposit Dash iconA dash. It often indicates an interaction to shrink a section. $3 out-of-network ATM fee HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Branch locations: 575 branch locations in the Northeast Alternative identification forms you can use: If you aren't a US citizen, you'll need to have an SSN, ITIN, passport number, permanent resident card, or government-issued ID. You'll also need to bring with you three forms of ID. For a primary ID, you can use a foreign passport, Mexican Matricula card, or Guatemalan Consular ID. For your secondary ID, you'll need any two of the following: employee ID, vehicle registration, birth certificate, medical insurance card, university or school ID, lease agreement, deed, utility bill, debit or ATM card, credit card from a major financial institution, any Matricula ID, any Consular ID, or government visa. For any US IDs, you can view a checklist here. 4. Fifth Third BankFifth Third Bank Momentum Savings Account Annual Percentage Yield (APY) 0.01% Minimum Deposit Amount $0 Fifth Third Bank Momentum Savings Account Annual Percentage Yield (APY) 0.01% Minimum Deposit Amount $0 On Fifth Third Bank's website Fifth Third Bank Momentum Savings AccountOn Fifth Third Bank's website
DetailsAnnual Percentage Yield (APY) 0.01% Minimum Deposit Amount $0 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. No minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. Possible to waive monthly service fee Dash iconA dash. It often indicates an interaction to shrink a section. Low APY Dash iconA dash. It often indicates an interaction to shrink a section. $5 monthly service fee HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Branch locations: Over 1,200 branches in 11 US states in the Southeast and Midwest Alternative identification forms you can use: At Fifth Third Bank you can use a Mexican Matricula card as a form of identification. 5. KeyBankKeyBank Active Saver Account Annual Percentage Yield (APY) 0.01% Minimum Deposit Amount $10
KeyBank Active Saver Account Annual Percentage Yield (APY) 0.01% Minimum Deposit Amount $10 KeyBank Active Saver AccountDetailsAnnual Percentage Yield (APY) 0.01% Minimum Deposit Amount $10 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. $10 minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. Possible to waive monthly service fee Dash iconA dash. It often indicates an interaction to shrink a section. Low APY Dash iconA dash. It often indicates an interaction to shrink a section. Monthly service fee
HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Branch and ATM locations: Over 1,000 branches in 16 US states Alternative identification forms you can use: At KeyBank, you can use a foreign passport, Canadian driver's license, Mexican driver's license, Mexican Matricula card, or permanent resident card as your primary form of ID. 6. Hope Credit UnionHope Credit Union Savings Account Annual Percentage Yield (APY) up to 0.25% Minimum Deposit Amount $15 Hope Credit Union Savings Account Annual Percentage Yield (APY) up to 0.25% Minimum Deposit Amount $15 On Hope Credit Union's website Hope Credit Union Savings AccountOn Hope Credit Union's website DetailsAnnual Percentage Yield (APY) up to 0.25% Minimum Deposit Amount $15 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. $15 minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fees Check mark iconA check mark. It indicates a confirmation of your intended interaction. Includes a free ATM card Check mark iconA check mark. It indicates a confirmation of your intended interaction. Higher APY than many brick-and-mortar banks Dash iconA dash. It often indicates an interaction to shrink a section. Only 3 withdrawals with a teller and 3 withdrawals at an ATM each month Dash iconA dash. It often indicates an interaction to shrink a section. No interest earned if your balance is under $100 Dash iconA dash. It often indicates an interaction to shrink a section. Dividends only compound quarterly Dash iconA dash. It often indicates an interaction to shrink a section. $15 minimum balance, otherwise your account goes into overdraft HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Branch and ATM locations: 28 branches in Alabama, Arkansas, Louisiana, Missouri, and Tennessee Alternative identification forms you can use: As a Juntos Avanzamos designated credit union, you can open an account even if you don't have a social security number. You can use a permanent resident card, foreign passport, or Matricula Consular as a photo ID. Plus, you'll need to provide an ITIN number and home address to open an account. 7. River City Credit UnionRiver City Federal Credit Union Savings Account Annual Percentage Yield (APY) 0.10% APY Minimum Deposit Amount $5 River City Federal Credit Union Savings Account Annual Percentage Yield (APY) 0.10% APY Minimum Deposit Amount $5 On River City Federal Credit Union's website River City Federal Credit Union Savings AccountOn River City Federal Credit Union's website DetailsAnnual Percentage Yield (APY) 0.10% APY Minimum Deposit Amount $5 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. $5 minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fee Dash iconA dash. It often indicates an interaction to shrink a section. Low APY Dash iconA dash. It often indicates an interaction to shrink a section. Interest compounded monthly HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Branch locations: 4 branches in San Antonio, Texas Alternative identification forms you can use: As a Juntos Avanzamos designated credit union, you can open an account even if you don't have a social security number. You can use a permanent resident card, foreign passport, or Matricula Consular as a photo ID. Plus, you'll need to provide an ITIN number and home address to open an account. 7. Guadalupe Credit UnionGuadalupe Credit Union Savings Account Annual Percentage Yield (APY) 0.00% to 0.10% APY Minimum Deposit Amount $5 Guadalupe Credit Union Savings Account Annual Percentage Yield (APY) 0.00% to 0.10% APY Minimum Deposit Amount $5 On Guadalupe Credit Union's website Guadalupe Credit Union Savings AccountOn Guadalupe Credit Union's website DetailsAnnual Percentage Yield (APY) 0.00% to 0.10% APY Minimum Deposit Amount $5 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. $5 minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fee Dash iconA dash. It often indicates an interaction to shrink a section. Low APY Dash iconA dash. It often indicates an interaction to shrink a section. Minimum of $100 needed in your account to earn APY HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Branch locations: 6 branches in New Mexico (Santa Fe, Espanola, Mora, Taos) Alternative identification forms you can use: As a Juntos Avanzamos designated credit union, you can open an account even if you don't have a social security number. You can use a permanent resident card, foreign passport, or Matricula Consular as a photo ID. Plus, you'll need to provide an ITIN number and home address to open an account. 9. Tucoemas Credit UnionTucoemas Federal Credit Union Regular Savings Account Annual Percentage Yield (APY) 0.05% APY Minimum Deposit Amount $25 Tucoemas Federal Credit Union Regular Savings Account Annual Percentage Yield (APY) 0.05% APY Minimum Deposit Amount $25 On Tucoemas Federal Credit Union's website Tucoemas Federal Credit Union Regular Savings AccountOn Tucoemas Federal Credit Union's website DetailsAnnual Percentage Yield (APY) 0.05% APY Minimum Deposit Amount $25
Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. $25 minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fees Dash iconA dash. It often indicates an interaction to shrink a section. Low APY Dash iconA dash. It often indicates an interaction to shrink a section. Need $250 in account to earn APY Dash iconA dash. It often indicates an interaction to shrink a section. Interest compounded monthly, not daily HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Branch and ATM locations: 4 branch locations in California (Visalia, Tulare, Porterville) Alternative identification forms you can use: As a Juntos Avanzamos designated credit union, you can open an account even if you don't have a social security number. You can use a permanent resident card, foreign passport, or Matricula Consular as a photo ID. Plus, you'll need to provide an ITIN number and home address to open an account. 10. JetStream Credit UnionJetStream Credit Union Savings Account Annual Percentage Yield (APY) 0.05% APY Minimum Deposit Amount $5 JetStream Credit Union Savings Account Annual Percentage Yield (APY) 0.05% APY Minimum Deposit Amount $5 On JetStream Credit Union's website JetStream Credit Union Savings AccountOn JetStream Credit Union's website DetailsAnnual Percentage Yield (APY) 0.05% APY Minimum Deposit Amount $5 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. $5 minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fees Dash iconA dash. It often indicates an interaction to shrink a section. Low APY Dash iconA dash. It often indicates an interaction to shrink a section. Need a minimum of $50 in your account daily to earn interest Dash iconA dash. It often indicates an interaction to shrink a section. Interest compounds monthly, not daily HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Branch locations: 4 branches in Miami, Florida, 1 branch in Puerto Rico Alternative identification forms you can use: As a Juntos Avanzamos designated credit union, you can open an account even if you don't have a social security number. You can use a permanent resident card, foreign passport, or Matricula Consular as a photo ID. Plus, you'll need to provide an ITIN number and home address to open an account. 11. North Jersey Federal Credit UnionNorth Jersey Federal Credit Union Share Savings Account Annual Percentage Yield (APY) 0.01% APY Minimum Deposit Amount $50 North Jersey Federal Credit Union Share Savings Account Annual Percentage Yield (APY) 0.01% APY Minimum Deposit Amount $50 On North Jersey Federal Credit Union's website North Jersey Federal Credit Union Share Savings AccountOn North Jersey Federal Credit Union's website DetailsAnnual Percentage Yield (APY) 0.01% APY Minimum Deposit Amount $50 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. $5 minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. Easy to waive the maintenance fee Dash iconA dash. It often indicates an interaction to shrink a section. Low APY Dash iconA dash. It often indicates an interaction to shrink a section. Must meet qualifications for membership Dash iconA dash. It often indicates an interaction to shrink a section. $5 maintenance fee per quarter if you don't have at least $5 in your account Dash iconA dash. It often indicates an interaction to shrink a section. Interest compounded monthly, not daily HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Branch and ATM locations: 3 branches in New Jersey (Totowa, Newark, Elmwood Park) Alternative identification forms you can use: As a Juntos Avanzamos designated credit union, you can open an account even if you don't have a social security number. You can use a permanent resident card, foreign passport, foreign driver's license, or Matricula Consular as a photo ID. Plus, you'll need to provide an ITIN number and proof of address. 12. Rio Grande Credit UnionRio Grande Credit Union Primary Savings Account Annual Percentage Yield (APY) 0.00% to 0.15% APY Minimum Deposit Amount $5 Rio Grande Credit Union Primary Savings Account Annual Percentage Yield (APY) 0.00% to 0.15% APY Minimum Deposit Amount $5 On Rio Grande Credit Union's website Rio Grande Credit Union Primary Savings AccountOn Rio Grande Credit Union's website DetailsAnnual Percentage Yield (APY) 0.00% to 0.15% APY Minimum Deposit Amount $5 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. $5 minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fee Dash iconA dash. It often indicates an interaction to shrink a section. Must have an average daily balance of at least $25 to earn APY Dash iconA dash. It often indicates an interaction to shrink a section. Interest compounded monthly, not daily Dash iconA dash. It often indicates an interaction to shrink a section. Low APY HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Branch and ATM locations: 6 branches in New Mexico (Albuquerque, Rio Rancho) Alternative identification forms you can use: As a Juntos Avanzamos designated credit union, you can open an account even if you don't have a social security number. You can use a permanent resident card, foreign passport, foreign driver's license, or Matricula Consular as a photo ID. Plus, you'll need to provide an ITIN number and proof of address. 13. Brooklyn CooperativeBrooklyn Cooperative Simple Savings Account Annual Percentage Yield (APY) 0.15% APY Minimum Deposit Amount $5 Brooklyn Cooperative Simple Savings Account Annual Percentage Yield (APY) 0.15% APY Minimum Deposit Amount $5 On Brooklyn Cooperative's website Brooklyn Cooperative Simple Savings AccountOn Brooklyn Cooperative's website
DetailsAnnual Percentage Yield (APY) 0.15% APY Minimum Deposit Amount $5 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fee Check mark iconA check mark. It indicates a confirmation of your intended interaction. $5 minimum opening deposit Dash iconA dash. It often indicates an interaction to shrink a section. Low APY compared to online banks Dash iconA dash. It often indicates an interaction to shrink a section. Interest compounded monthly, not daily HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Branch and ATM locations: 2 branches in New York (Bushwick, Bedford-Stuyvesant) Alternative identification forms you can use: As a Juntos Avanzamos designated credit union, you can open an account even if you don't have a social security number. You can use a permanent resident card, foreign passport, or Matricula Consular as a photo ID. Plus, you'll need to provide an ITIN number and proof of address. 14. Border Federal Credit UnionBorder Federal Credit Union Regular Savings Account Annual Percentage Yield (APY) 0.10% APY Minimum Deposit Amount $25 Border Federal Credit Union Regular Savings Account Annual Percentage Yield (APY) 0.10% APY Minimum Deposit Amount $25 On Border Federal Credit Union's website Border Federal Credit Union Regular Savings AccountOn Border Federal Credit Union's website DetailsAnnual Percentage Yield (APY) 0.10% APY Minimum Deposit Amount $25 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. $25 minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fee Dash iconA dash. It often indicates an interaction to shrink a section. $500 needed in account to earn APY Dash iconA dash. It often indicates an interaction to shrink a section. Low APY compared to online banks HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Branch and ATM locations: 5 branches in Texas (Del Rio, Eagle Pass, Crystal City) Alternative identification forms you can use: As a Juntos Avanzamos designated credit union, you can use a permanent resident card, foreign passport, or Matricula Consular as a photo ID. Plus, you'll need to provide an ITIN number and proof of address. 15. Caprock Federal Credit UnionCaprock Federal Credit Union Share Account Annual Percentage Yield (APY) 0.02% to 0.09% Minimum Deposit Amount $25 Caprock Federal Credit Union Share Account Annual Percentage Yield (APY) 0.02% to 0.09% Minimum Deposit Amount $25 On Caprock Federal Credit Union's website Caprock Federal Credit Union Share AccountOn Caprock Federal Credit Union's website DetailsAnnual Percentage Yield (APY) 0.02% to 0.09% Minimum Deposit Amount $25 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. $25 minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fee Dash iconA dash. It often indicates an interaction to shrink a section. Low APY Dash iconA dash. It often indicates an interaction to shrink a section. Need at least $25 in your account to earn APY Dash iconA dash. It often indicates an interaction to shrink a section. Interest compounded monthly, not daily HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Branch and ATM locations: 2 branches in Texas ( Lamesa, Seminole) Alternative identification forms you can use: As a Juntos Avanzamos designated credit union, you can use a permanent resident card, foreign passport, or Matricula Consular as a photo ID. Plus, you'll need to provide an ITIN number and proof of address. 16. Coastal Community Federal Credit Union
Coastal Community Federal Credit Special Savings Account Union Annual Percentage Yield (APY) 0.05% APY Minimum Deposit Amount $100 Coastal Community Federal Credit Special Savings Account Union Annual Percentage Yield (APY) 0.05% APY Minimum Deposit Amount $100 On Coastal Community Federal Credit Union's website Coastal Community Federal Credit Special Savings Account UnionOn Coastal Community Federal Credit Union's website DetailsAnnual Percentage Yield (APY) 0.05% APY Minimum Deposit Amount $100 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fee Dash iconA dash. It often indicates an interaction to shrink a section. $100 minimum opening deposit Dash iconA dash. It often indicates an interaction to shrink a section. Interest compounded quarterly, not daily HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Branch and ATM locations: 3 branches in Texas (Galveston, La Marque) Alternative identification forms you can use: As a Juntos Avanzamos designated credit union, you can use a permanent resident card, foreign passport, or Matricula Consular as a photo ID. Plus, you'll need to provide an ITIN number and proof of address. 17. FirstLight Federal Credit UnionFirst Light Federal Credit Union Share Account Annual Percentage Yield (APY) 0.10% APY Minimum Deposit Amount $5 First Light Federal Credit Union Share Account Annual Percentage Yield (APY) 0.10% APY Minimum Deposit Amount $5 On FirstLight Federal Credit Union's website
First Light Federal Credit Union Share AccountOn FirstLight Federal Credit Union's website DetailsAnnual Percentage Yield (APY) 0.10% APY Minimum Deposit Amount $5 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. $5 minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fees Dash iconA dash. It often indicates an interaction to shrink a section. Low APY compared to online banks Dash iconA dash. It often indicates an interaction to shrink a section. Need $100 in account daily to earn interest HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Branch and ATM locations: 11 branches in El Paso, Texas, and Las Cruces, New Mexico Alternative identification forms you can use: As a Juntos Avanzamos designated credit union, you can use a permanent resident card, foreign passport, or Matricula Consular as a photo ID. Plus, you'll need to provide an ITIN number and proof of address. 18. GECUAnnual Percentage Yield (APY) 0.15% Minimum Deposit Amount $20 Annual Percentage Yield (APY) 0.15% Minimum Deposit Amount $20 GECU Savings AccountDetailsAnnual Percentage Yield (APY) 0.15% Minimum Deposit Amount $20 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. $20 minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fees Dash iconA dash. It often indicates an interaction to shrink a section. Need $100 in your account daily to earn APY Dash iconA dash. It often indicates an interaction to shrink a section. Interest compounded quarterly, not daily Dash iconA dash. It often indicates an interaction to shrink a section. Low APY compared to online banks Dash iconA dash. It often indicates an interaction to shrink a section. Only 4 free transactions per month, then $3 per transaction HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Additional ReadingChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Branch locations: 12 branches in El Paso, Texas, and part of the Co-Op Shared network Alternative identification forms you can use: As a Juntos Avanzamos designated credit union, you can open an account even if you don't have a social security number. You can use a permanent resident card, foreign passport, or Matricula Consular as a photo ID. Plus, you'll need to provide an ITIN number and proof of address. 19. Generations Federal Credit UnionGenerations Federal Credit Union Share Savings Account Annual Percentage Yield (APY) 0.05% APY Minimum Deposit Amount $5 Generations Federal Credit Union Share Savings Account Annual Percentage Yield (APY) 0.05% APY Minimum Deposit Amount $5 On Generations Federal Credit Union's website Generations Federal Credit Union Share Savings Account
On Generations Federal Credit Union's website DetailsAnnual Percentage Yield (APY) 0.05% APY Minimum Deposit Amount $5 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. $5 minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fees Dash iconA dash. It often indicates an interaction to shrink a section. Low APY compared to online banks Dash iconA dash. It often indicates an interaction to shrink a section. Interest compounded quarterly, not daily HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Branch and ATM locations: 7 branches in San Antonio, Texas and is part of the Co-Op Shared network Alternative identification forms you can use: As a Juntos Avanzamos designated credit union, you can use a permanent resident card, foreign passport, or Matricula Consular as a photo ID. Plus, you'll need to provide an ITIN number and proof of address. 20. Resource One Credit UnionResource One Credit Union Basic Savings Account Annual Percentage Yield (APY) 0.05% APY Minimum Deposit Amount $25 Resource One Credit Union Basic Savings Account Annual Percentage Yield (APY) 0.05% APY Minimum Deposit Amount $25 On Resource One Credit Union's website Resource One Credit Union Basic Savings AccountOn Resource One Credit Union's website DetailsAnnual Percentage Yield (APY) 0.05% APY Minimum Deposit Amount $25 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. $25 minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fee Dash iconA dash. It often indicates an interaction to shrink a section. Need a minimum of $250 in account daily to earn APY Dash iconA dash. It often indicates an interaction to shrink a section. Need a minimum of $25 in account daily to keep membership open Dash iconA dash. It often indicates an interaction to shrink a section. Low APY compared to online banks HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Branch and ATM locations: 11 branches in Texas (Carrollton, Cedar Hill, Dallas, Irving, Houston, Mesquite, Garland, Spring) and part of the CO-Op Shared network. Alternative identification forms you can use: As a Juntos Avanzamos designated credit union, you can open an account even if you don't have a social security number. You can use a permanent resident card, foreign passport, or Matricula Consular as a photo ID. Plus, you'll need to provide an ITIN number and proof of address. 21. Rocket Federal Credit UnionRocket Federal Credit Union Share Account Annual Percentage Yield (APY) 0.25% APY Minimum Deposit Amount $25 Rocket Federal Credit Union Share Account Annual Percentage Yield (APY) 0.25% APY Minimum Deposit Amount $25 On Rocket Federal Credit Union's website Rocket Federal Credit Union Share AccountOn Rocket Federal Credit Union's website DetailsAnnual Percentage Yield (APY) 0.25% APY Minimum Deposit Amount $25 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. $25 minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fee Dash iconA dash. It often indicates an interaction to shrink a section. Low APY Dash iconA dash. It often indicates an interaction to shrink a section. Need at least $100 in your account daily to earn APY HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Branch and ATM locations: 1 branch in McGregor, Texas Alternative identification forms you can use: As a Juntos Avanzamos designated credit union, you can use a permanent resident card, foreign passport, or Matricula Consular as a photo ID. Plus, you'll need to provide an ITIN number and proof of address. 22. Security First Credit UnionSecurity First Credit Union Regular Share Account Annual Percentage Yield (APY) 0.10% APY Minimum Deposit Amount $5 Security First Credit Union Regular Share Account Annual Percentage Yield (APY) 0.10% APY Minimum Deposit Amount $5 On Security First Credit Union's website
Security First Credit Union Regular Share AccountOn Security First Credit Union's website DetailsAnnual Percentage Yield (APY) 0.10% APY Minimum Deposit Amount $5 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. $5 minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fees Dash iconA dash. It often indicates an interaction to shrink a section. Low APY Dash iconA dash. It often indicates an interaction to shrink a section. Need to maintain at least $100 in your account daily to earn APY Dash iconA dash. It often indicates an interaction to shrink a section. Interest compounds monthly, not daily HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Branch and ATM locations: 8 branches in Texas (Brownsville, Edinburg, Harlingen, McAllen, Mission, San Benito, Weslaco) Alternative identification forms you can use: As a Juntos Avanzamos designated credit union, you can use a permanent resident card, foreign passport, or Matricula Consular as a photo ID. Plus, you'll need to provide an ITIN number and proof of address. 23. Select Federal Credit UnionSelect Federal Credit Union Savings Account Annual Percentage Yield (APY) 0.25% APY Minimum Deposit Amount $5 Select Federal Credit Union Savings Account Annual Percentage Yield (APY) 0.25% APY Minimum Deposit Amount $5 On Select Federal Credit Union's website Select Federal Credit Union Savings AccountOn Select Federal Credit Union's website DetailsAnnual Percentage Yield (APY) 0.25% APY Minimum Deposit Amount $5 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. $5 minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fee Check mark iconA check mark. It indicates a confirmation of your intended interaction. Competitive APY compared to brick-and-mortar banks Dash iconA dash. It often indicates an interaction to shrink a section. Interest compounded monthly, not daily Dash iconA dash. It often indicates an interaction to shrink a section. Need at least $5 to earn APY HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Branch and ATM locations: 2 branches in San Antonio, Texas Alternative identification forms you can use: As a Juntos Avanzamos designated credit union, you can use a permanent resident card, foreign passport, or Matricula Consular as a photo ID. Plus, you'll need to provide an ITIN number and proof of address. 24. Southwest 66 Credit UnionSouthwest 66 Credit Union Regular Shares Account Annual Percentage Yield (APY) 0.20% APY Minimum Deposit Amount $1 Southwest 66 Credit Union Regular Shares Account Annual Percentage Yield (APY) 0.20% APY Minimum Deposit Amount $1 On Southwest 66 Credit Union's website Southwest 66 Credit Union Regular Shares AccountOn Southwest 66 Credit Union's website DetailsAnnual Percentage Yield (APY) 0.20% APY Minimum Deposit Amount $1 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. $1 minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fees Check mark iconA check mark. It indicates a confirmation of your intended interaction. Competitive APY compared to brick-and-mortar banks Dash iconA dash. It often indicates an interaction to shrink a section. Need $100 in your account daily to earn APY Dash iconA dash. It often indicates an interaction to shrink a section. Interest compounded quarterly, not daily HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Branch and ATM locations: 3 branches in Texas (Odessa, Midland) Alternative identification forms you can use: As a Juntos Avanzamos designated credit union, you can use a permanent resident card, foreign passport, or Matricula Consular as a photo ID. Plus, you'll need to provide an ITIN number and proof of address. 25. Star of Texas Credit UnionStar of Texas Credit Union Regular Savings Account Annual Percentage Yield (APY) 0.10% APY Minimum Deposit Amount $20 Star of Texas Credit Union Regular Savings Account Annual Percentage Yield (APY) 0.10% APY Minimum Deposit Amount $20 On Star of Texas Credit Union's website
Star of Texas Credit Union Regular Savings AccountOn Star of Texas Credit Union's website DetailsAnnual Percentage Yield (APY) 0.10% APY Minimum Deposit Amount $20 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. $20 minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fees Dash iconA dash. It often indicates an interaction to shrink a section. Low APY Dash iconA dash. It often indicates an interaction to shrink a section. Need a minimum of $100 in your account daily to earn APY Dash iconA dash. It often indicates an interaction to shrink a section. Need a minimum of $10 in your account daily to continue membership Dash iconA dash. It often indicates an interaction to shrink a section. Interest compounded quarterly, not daily HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Branch and ATM locations: 2 branches in Austin, Texas Alternative identification forms you can use: As a Juntos Avanzamos designated credit union, you can open an account even if you don't have a social security number. You can use a permanent resident card, foreign passport, or Matricula Consular as a photo ID. Plus, you'll need to provide an ITIN number and proof of address if one of your IDs doesn't include it. 26. DC Credit UnionDC Credit Union Regular Savings Account Annual Percentage Yield (APY) 0.01% APY Minimum Deposit Amount $5 DC Credit Union Regular Savings Account Annual Percentage Yield (APY) 0.01% APY Minimum Deposit Amount $5 On DC Credit Union's website DC Credit Union Regular Savings AccountOn DC Credit Union's website DetailsAnnual Percentage Yield (APY) 0.01% APY Minimum Deposit Amount $5 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. $5 minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. Easy to waive service fees Dash iconA dash. It often indicates an interaction to shrink a section. Low APY Dash iconA dash. It often indicates an interaction to shrink a section. $2 monthly service fee Dash iconA dash. It often indicates an interaction to shrink a section. Interest compounded monthly, not daily HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Branch and ATM locations: 3 branches in Washington DC and part of the Co-Op Shared network. Alternative identification forms you can use: As a Juntos Avanzamos designated credit union, you can open an account even if you don't have a social security number. You can use a permanent resident card, foreign passport, or Matricula Consular as a photo ID. Plus, you'll need to provide an ITIN number and proof of address if one of your IDs doesn't include it. 27. PAHO/WHO Credit UnionPAHO/WHO Federal Credit Union Regular Savings Account Annual Percentage Yield (APY) 0.10% APY Minimum Deposit Amount $5 PAHO/WHO Federal Credit Union Regular Savings Account Annual Percentage Yield (APY) 0.10% APY Minimum Deposit Amount $5 On PAHO/WHO Federal Credit Union's website PAHO/WHO Federal Credit Union Regular Savings AccountOn PAHO/WHO Federal Credit Union's website DetailsAnnual Percentage Yield (APY) 0.10% APY Minimum Deposit Amount $5 Pros & ConsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.Check mark iconA check mark. It indicates a confirmation of your intended interaction. $5 minimum opening deposit Check mark iconA check mark. It indicates a confirmation of your intended interaction. No monthly service fee Dash iconA dash. It often indicates an interaction to shrink a section. Low APY Dash iconA dash. It often indicates an interaction to shrink a section. Need a minimum of $5 in your account daily to earn APY HighlightsChevron iconIt indicates an expandable section or menu, or sometimes previous / next navigation options.
Branch and ATM locations: 1 branch in Washington DC Alternative identification forms you can use: As a Juntos Avanzamos designated credit union, you can open an account even if you don't have a social security number. You can use a permanent resident card, foreign passport, or Matricula Consular as a photo ID. You'll also have to fill out a W-8BEN form. How were these banks/credit unions selected?We've included a mix of national banks and NCUA-designated minority depository institutions so that you can explore a variety of options and find a bank that is the best fit for you, depending on your needs or documentation. We also wanted to provide a list of credit unions and banks that could help you regardless of where you live. National banks mentioned on our list are also featured on our best national banks guide and best banks guide. These banks tend to have larger branches and ATM networks, so you may be more likely to find one that's closer to home. As for our credit unions, we selected ones that received a Juntos Avanzamos designation. Juntos Avanzamos is an initiative that's committed to helping Hispanic and immigrant consumers find suitable financial products. To become a Juntos Avanzamos designated credit union, one of the requirements is to be able to accept alternative ID forms if you don't have a US ID. What is a Juntos Avanzamos designated credit union?A Juntos Avanzamos designated credit union provides services for Hispanic and immigrant communities. To receive the designation, the institution has to fill out an application. Then it will be reviewed by the Selection Committee who will see whether the credit union aligns with the goals created by the initiative. "We're looking at a real commitment of the institution to serve this community," said Pablo DeFilippi, senior vice president of membership and network engagement at Juntos Avanzamos. "To get the designation, you need to make sure that your policies and your procedures are welcoming and would enable someone regardless of their immigration status to open an account and also access credit." The designation also looks at the number of bilingual and Hispanic staff and how its involved with the local community. While Juntos Avanzamos was created in 2005, the initiative has gone through some changes over the years. Originally the goal of the initiative was to educate Hispanic communities about different financial services available. However, the initiative now makes a greater effort to address systemic barriers in banking. DeFilippi told Insider that one of the larger misconceptions that contributes to systemic barriers in banking is that Latinos need the same product. "We don't need one product — there's not a Latino product, we need all the products," DeFilippi said. "That's why we talk about financial inclusion. We don't believe that serving our community is a product-driven solution, it needs to be a holistic approach about how do we empower Latinos and immigrants to access the tools that everybody else has access to." What are some of the most important things I should know about US banking if I'm not a US citizen?Everyone should have access to fair banking tools and services regardless of their citizenship or immigration status. Though your options largely depend on where you live, it isn't an impossible feat. You do have options, but you'll have to search for them. Juntos Avanzamos designated credit unions are available in certain states and have small branches because they serve primarily underserved and local communities. Some national banks offer more flexible ID requirements, however, processes or customer experiences may vary at branch locations. DeFilippi advised remaining persistent while searching for financial products and services, even if you're turned initially turned away. "It takes courage to get out and approach a financial institution., but I think that is critical that we all do that," said DeFilippi. "If someone says no to you, go someplace else." What can I use as an alternative form of ID?Different banking institutions have specific requirements on what they accept as a form of ID. From our list, you'll find that most let you use a Matricula consular or foreign passport as a primary photo ID if you don't have a US ID. If you want to get a consular ID, you can go to your local consulate and apply for one. Many Latin American countries offer consular IDs to their citizens if they are living abroad, and it's issued regardless of citizenship status. It may also be helpful to visit your local consulate to see if it can tell you of any nearby financial institutions that provide services to immigrants or non-US citizens. What are the benefits of opening up a bank account or using a bank?According to the FDIC, 12.2% of Latinos remained unbanked in 2019. The main reasons cited for not having a bank account were that the individuals weren't able to meet the minimum balance requirement to open a bank account, and that they didn't trust banks. Historically, Hispanic Americans have been affected by discriminatory lending practices that limited their opportunities for economic growth. However, these practices don't apply to every financial institution, nor does it negate the important role banking plays in money management. The FDIC and NCUA created programs for minority-owned depository institutions because these banks and credit unions provided services and products to underserved communities. Legislation such as the Community Reinvestment Act has also required banks and credit unions to provide services and products to these communities. If you want to know whether a bank has gone through any public controversies involving specific communities or groups, our bank reviews will include such information to help you decide what your best options are. DeFilippi also pointed out that many banking products and services are integral tools for managing personal finances. While some immigrant communities may be used to using cash as a primary way of managing money, the US requires different tools. Bank accounts allow you to safely store your money in one place. When you bank with a financial institution that is FDIC or NCUA-insured, your account is protected for up to $250,000. Having a credit card and managing it properly allows individuals to build a credit history and credit score to drive future purchases. Putting money in a bank account or investing allows people to accumulate interest, which may help with creating a way to save efficiently. If you want to begin your own business, business accounts or small business loans can serve as important stepping stones for getting there. How should I choose where to bank?Choosing where to bank will ultimately depend on your preferences. You may want to consider the following:
Sophia Acevedo, CEPF Junior Banking Reporter Sophia Acevedo is a junior banking reporter at Insider who covers banking and savings for Personal Finance Insider. She is also a Certified Educator in Personal Finance (CEPF). She joined Insider in July 2021 as a fellow for the Personal Finance Insider Reviews team. Before joining the Insider team, she was a freelancer based in Los Angeles and worked briefly in publishing. She also graduated from California State University Fullerton in 2020. You can reach out to her on Twitter at @sophieacvdo or send a quick email at . Read more about how Personal Finance Insider chooses, rates, and covers financial products and services >> Read more Read less Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Read our editorial standards. Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available. **Enrollment required. Related articlesLoadingSomething is loading. Thanks for signing up! Access your favorite topics in a personalized feed while you're on the go. More... Do I need an appointment to open a bank account at Bank of America?Yes, you can visit a financial center without an appointment.
What do you need to open a checking account?What you need to open a checking account. Your Social Security number.. A valid, government-issued photo ID like a driver's license, passport or state or military ID.. A minimum opening deposit of $25 to activate your account (once you've been approved).. How long does it take to open a bank account at Bank of America?Your application will be processed in 1 to 2 business days. We'll send you either an email or letter letting you know if you are approved for your account. You will receive your account documents via U.S. Mail within 7-10 business days.
Can you open Bank of America account online?You can apply online for a checking account, savings account, CD or IRA. Simply select an account, enter your personal information, verify your information and choose features & funding options.
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