Yes, you can open a joint checking account in Massachusetts without a (SSN), (ITIN), or US credit history. The federal Customer Identification Program rule allows a non-U.S. person to use a foreign passport instead of a US tax number to open an account.
“I just moved to Massachusetts from the UK and want to open a joint bank account with my wife. What are the best bank options for newcomers based on customer service, bonuses, mobile apps, and fees?”
Summary
You do not need to wait to build credit or get a tax number before you can safely store your money and pay bills. Major banks are equipped to verify your identity using your UK passports and a shared Massachusetts address.
Your best path is to use an IRS form to open a standard account without a tax number.
If your chosen bank requires a tax number for all accounts, you can apply for an Individual Taxpayer Identification Number using IRS Form W-7.
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Credit history, online limits, and bank options
You asked if you need a US credit history to open an account. You do not. US credit history is not a prerequisite for opening a deposit account, so your lack of credit history will not block you.
You also asked about the best bank options based on customer service, bonuses, mobile apps, and fees. There is no official ranking for these features, as they vary by account and change frequently. You will need to compare current fees and bonuses directly. However, many major banks with mobile apps accept non-citizens without an SSN. Bank of America, Chase, Citibank, and PNC all allow you to open an account at a branch using alternative identification.
You must open this account in person. Because you do not have an SSN or ITIN, the banks' online digital verification systems cannot process your application. This blocks online account opening and forces an in-branch visit.
Next steps
Follow these steps to establish your joint banking relationship in Massachusetts.
Choose a bank and schedule an appointment
Select a major retail bank like Bank of America, Chase, Citibank, or PNC. Call ahead or go online to schedule an in-branch appointment, since you cannot open the account online.
Provide your passports and complete tax forms
Give the banker your passport numbers. If the bank asks for a tax number, ask to complete to certify your non-U.S. taxpayer status.
Make your opening deposit
Fund your new account using cash, a debit card, or an electronic transfer. Check with your specific bank for their minimum deposit requirement.
Legal sources
These are the federal rules and bank policies that govern your account opening.
31 CFR § 1020.220(a)(2)
Federal rules allow non-U.S. persons to use a foreign passport number instead of a US taxpayer identification number to open a bank account.
For a non-U.S. person, one or more of the following is required: a TIN; passport number and country of issuance, alien identification card number; or number and country of issuance of any other government-issued document evidencing nationality or residence and bearing a photograph or similar safeguard.
Bankrate Guide
Several major retail banks accept alternative identification for non-citizens opening accounts in a branch.
Many major banks, including Bank of America, Chase, Citibank, and PNC, accept an ITIN in place of a Social Security number when you open an account at a branch.
SettleKit is not a law firm. This is general information, not legal advice. Confirm your specific situation with a licensed immigration attorney.
SettleKit is not a law firm. This is general information, not legal advice.
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