Almost every other step — salary, rent, utilities, credit — depends on having a US checking account. Getting one is usually easier than newcomers expect.
What to bring
Requirements vary by institution, but most will ask for photo identification, immigration documentation, and evidence of a US address.
- Passport and visa documentation
- Proof of US address — lease or utility bill
- SSN or ITIN where available
- Initial deposit
Choose the account carefully
Compare monthly maintenance fees, overdraft policies, ATM networks, and international transfer costs. Many banks waive fees with direct deposit or a minimum balance.
