Yes—you can pursue remote banking and card applications with your ITIN, but your U.S. address and each provider’s eligibility rules determine which ones are open to you.

(a)(2)(i)(A)(4)(ii)

For a non-U.S. person, one or more of the following: A taxpayer identification number; 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.

(a)(2)(ii)(B)(2)

The bank's non-documentary procedures must address situations where an individual is unable to present an unexpired government-issued identification document that bears a photograph or similar safeguard; the bank is not familiar with the documents presented; the account is opened without obtaining documents; the customer opens the account without appearing in person at the bank; and where the bank is otherwise presented with circumstances that increase the risk that the bank will be unable to verify the true identity of a customer through documents.

Eligibility

SoFi Bank Accounts are available only to U.S. citizens and both permanent residents and non-permanent residents of the fifty (50) United States and the District of Columbia who (i) are at least 18 years of age, (ii) have a valid Social Security number or Individual Taxpayer Identification Number (“ ITIN ”), and (iii) have a physical residential street address in the United States, or a valid U.S. military address (Army Post Office, Fleet Post Office, or Diplomatic Post Office), a "Military Address".

Fees

There are no fees to open or close any SoFi Account and there are no monthly maintenance or account fees. SoFi Bank may charge a transaction fee for certain transactions.

You can also apply with your SSN or ITIN.

Disclosures

The banking services offered by Comun are provided by Community Federal Savings Bank, Member FDIC.

Disclosures

The Comun Visa® debit card is issued by Community Federal Savings Bank, under license from Visa USA Inc. and can be used at any Visa acceptance point.

Some credit card issuers, including Capital One, let you apply for credit cards with an ITIN or become an authorized user on someone else’s card.

$49, $99 or $200 minimum refundable deposit

Personal information

If you do not have an SSN, you can enter your ITIN (Individual Taxpayer Identification Number) here instead.

Annual fee

The annual fee for the Platinum Card ® is $895. ¤

360 Checking eligibility

360 Checking is available to United States citizens or lawful permanent residents with a U.S. physical address located in one of the 50 United States or Washington, D.C., or with military addresses (APO or FPO), who are at least 18 years old and have a U.S.-based mobile phone number with either a valid Social Security Number, or an Individual Taxpayer Identification Number (ITIN) and your Linked Account must be with a bank chartered in the U.S.

ITIN discussion

Although ITINs facilitate tax compliance, the Agencies, in accordance with E.O. 14406, note that the use of an ITIN in lieu of an SSN or valid employment authorization document may be identified as a risk factor requiring enhanced due diligence to ensure the account is not being utilized to facilitate the unlawful employment of unlawful aliens.

Financial institutions should continue to apply sound underwriting practices that assess a borrower’s willingness and capacity to repay according to the terms of the credit obligation.

An ITIN is issued by the IRS for federal tax purposes only.

You can build credit by using your credit card and paying on time, every time. Pay off your balances in full each month to avoid paying finance charges.