Setting Up U.S. Banking Before You Arrive: A Guide for Travelers and Newcomers

If you’re planning to move to the United States or stay there for an extended visit, it’s smart to think about your banking options ahead of time. 

Having a local account makes everyday things much easier—paying rent, buying groceries, receiving payments, or just avoiding foreign transaction fees. 

But for many non-residents or travelers, opening a U.S. bank account can feel complicated, especially if you’re not there yet.

You don’t have to wait until you arrive to get started. In fact, many banks and digital services now make it possible to apply before you travel. 

This article explains what to expect, what you’ll need, and how to open an account even if you're not living in the U.S. yet.

Why You Might Need a U.S. Bank Account

There are plenty of good reasons to open a bank account in the U.S. If you're moving for work or study, you’ll probably need one to receive your paycheck or financial aid. 

If you're renting an apartment, many landlords ask for payment through a U.S.-based account. Even if you're just visiting for a few months, having a local account can save you money on exchange fees and make it easier to manage your budget.

A U.S. bank account can also help if you're planning to stay long-term. It builds your financial footprint in the country, which can be useful later on if you apply for a loan, credit card, or even permanent residency. 

Plus, local accounts tend to offer better access to ATMs, easier bill payment options, and faster money transfers.

What You’ll Need to Apply

Each bank has its own rules, but most ask for similar things. You’ll typically need:

• A valid passport

• Proof of address (either in your home country or in the U.S.)

• A visa or travel document (student, work, or visitor visa)

• A reason for opening the account

Some banks may also ask for a U.S. phone number, a Social Security Number (SSN), or an Individual Taxpayer Identification Number (ITIN). However, there are also banks that allow non-residents to apply without those numbers, especially if you have a valid passport and visa.

Digital copies of your documents are usually fine when applying online. Some banks might require a video call to confirm your identity. Others may ask you to visit a local branch once you arrive, even if you start the process online.

How to Open Bank Account Online Non Resident

If you're not in the U.S. yet but want to get your banking set up, there are options. To open bank account online non resident applicants usually start by visiting the bank’s website. 

Some banks allow you to complete everything online. Others let you begin online and finish the process in person once you arrive.

The exact process depends on the bank. Some require you to upload scanned documents, complete a video interview, or send forms by mail. Others are more flexible and offer a fully digital experience. 

Keep in mind that the process may take a few days or even weeks depending on the bank's policies and the documents you provide.

Online-only banks can be especially helpful. These banks don’t have physical branches, but they often offer quick setup, low fees, and mobile apps for easy access. 

Some of them cater specifically to travelers, expats, and international students. Just be sure the bank you choose is properly licensed and insured in the U.S.

Things to Keep in Mind

While opening a U.S. bank account can make life easier, there are a few things to watch out for.

First, always check the fees. Some accounts have monthly charges, ATM fees, or foreign transaction costs. Make sure you understand the terms before signing up.

Second, be cautious with your documents. Only send personal information through secure websites. Don’t share passport copies or ID unless the bank is legitimate and clearly states how your information will be used.

Third, learn a little about the banking system in the U.S. For example, checks are still common in some situations. Direct deposit and bill pay are widely used. And credit scores play a big role in financial decisions, though those come later after you’ve been in the country for a while.

Lastly, check if you need to report your U.S. bank account in your home country. Some governments require you to share information about foreign accounts, even if they’re small.

Final Thoughts

Whether you’re moving to the U.S. for school, work, or just a long visit, having a local bank account will make your stay easier and more convenient. You’ll avoid extra fees, get paid faster, and have more control over your money while you’re in the country.

The good news is that you don’t always need to wait until you arrive. With the right documents and a little planning, you can often get started from home. 

Take time to compare banks, read the fine print, and choose an account that fits your needs. Whether you're in the U.S. for a few months or planning to stay longer, having the right banking setup helps you feel more settled from day one.