Requirements to Open a Bank of America Account for Non-Residents

Opening a bank account in the U.S. as a foreign non-resident can seem complex—especially at well-known institutions like Bank of America. However, once you’re clear on the requirements to open a Bank of America account for non-residents, you can easily manage U.S. dollars, enhance your business credibility, and streamline international operations. At Prodezk, we break down the entire process and show you how to optimize it with our specialized guidance.
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Can a Foreigner Open a Bank Account at Bank of America?

Yes. Bank of America allows non-U.S. residents to open accounts, as long as they present the required documentation. This is supported by U.S. federal anti-discrimination laws, ensuring equal access to banking services. The account must be opened in person, but Prodezk simplifies each step for you.

Required Documents to Open an Account as a Foreigner

Knowing exactly what documents you need will significantly ease the process. Here’s what’s essential:

Primary and Secondary Identification

• Primary: Valid passport, active visa, or consular ID.
• Secondary: Foreign driver’s license, a bank card from your country, or an additional official ID.

Proof of Address in the U.S. and Country of Origin

• U.S. Address: Rental agreement, utility bills, or an official letter.
• Home Country Address: Bank statements, utility bills, or any official documents clearly displaying your residential address.

What If You Don’t Have an ITIN or SSN?

If you don’t have a Social Security Number (SSN) or an Individual Taxpayer Identification Number (ITIN), you can still open your account using a valid passport and a U.S. address. However, having an ITIN is strongly recommended for future tax-related transactions. Prodezk can help you obtain your ITIN with ease.

Step-by-Step: How to Open Your Bank of America Account

Here’s a simple step-by-step process that Prodezk streamlines for you:

Schedule an Appointment at a Local Branch

• Book your appointment in advance for personalized service.

Bring Required Documents and Make the Initial Deposit

• Bring all the documents listed above.
• Make an initial deposit between $25 and $100.

Activate and Use Online Banking

• Once your account is open, activate your online banking access and download the mobile app to manage your finances from anywhere.
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Alternatives If You Don’t Have a Physical U.S. Address

If you don’t have a U.S. physical address, you can use virtual banking services like Wise or obtain a commercial mailing address. Prodezk also provides guidance on effective digital alternatives.

(H2) Differences Between Bank Accounts Using SSN, ITIN, or Only a Passport

Common Mistakes When Opening a Bank of America Account as a Foreigner

• Submitting expired or incomplete documents
• Not having a valid U.S. address
• Visiting a branch without a prior appointment

Benefits of Opening Your Bank Account with Prodezk

• Personalized Spanish-speaking support throughout the entire process
• Assistance with additional services such as obtaining an ITIN
• Streamlined documentation and fast appointment scheduling

Checklist to Prepare for Your Bank of America Appointment

☐ Primary ID (passport, visa)
☐ Secondary ID (foreign driver’s license, bank card)
☐ U.S. address proof (rental agreement or utility bill)
☐ Home country address proof (bank statement)
☐ Initial deposit in U.S. dollars

Frequently Asked Questions About Opening a Bank of America Account as a Foreigner

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1. Can I open a Bank of America account without an SSN?
Yes, you can open one using an ITIN or a valid passport with a U.S. address.

2. Is it mandatory to visit the bank in person?
Yes, in-person attendance is required to open an account as a non-resident.

3. Can a hotel address be used as proof of address?
Generally, no. However, Prodezk can advise you on valid alternative address options.
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Open Your U.S. Bank Account with Prodezk

Now that you have a clear understanding of the requirements to open a Bank of America account as a non-resident, let Prodezk take the reins. Simplify, streamline, and confidently manage your finances in the U.S. with our expert assistance.

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