A collection of U.S. banks that can open accounts remotely

Last updated on：2021-08-24 12:39:31

Preface

What kind of Bank of America can I open remotely? Only ID card? Just a passport? You may need this tutorial

This article compares the mainstream American debit cards through comprehensive comparative analysis and metering methods from multiple angles.、Credit card account opening conditions and costs

The prerequisite for this article is that there is no large cost&Open a U.S. bank without leaving the country、Bank account at a financial institution、Debit card credit card

Most of the things not mentioned in this article are of little significance.，Much the same，low success rate，High risk control，high cost，hard to use，not suitable，Doesn't mean there isn't

Summary table

Personal advice on opening an account (debit card)

First of all, it is not recommended to issue illegal services (such as BOA issuance on behalf of others).，Kaihua Huamei)

In principle, we recommend banks that do not ask about registered foreign RAs (such as Sable，Cheese) and banks that support Witness (such as HSBC Witness，Cathay Pacific Witness)

Most U.S. bank checking accounts (debit cards) differentiate between RA and NRA (non-registered alien)，Online account opening often restricts RA (with some exceptions)，Such as Sable)

Only mainland China ID card

What can be opened is relatively limited，Maybe VELO is the lowest threshold option，Cathay Pacific Witness can also be considered，If you have money, you can also search for Charles Schwab International，If you really have money, you can ask HSBC，Citi CITI，Can Standard Chartered SCB witness the opening?

I only have a Mainland China passport but no visa or ITIN.

firstIn principle, it is recommended to apply for an ITIN，This is a legal thing，You can also ask an intermediary for help (about two to three thousand in total) and check the ITIN principle yourself.，It is more legal to issue an ITIN on behalf of someone than to issue a BOA on behalf of someone else.，If you have an ITIN, your options will be greatly expanded.。

I only have a Mainland China passport but no visa or ITIN.，You can consider but it is not recommended to open a bank account (such as BOA) at the risk of breaking the law.，You can open Passbook (currently the risk control is relatively high)，Recommended opening witness: East West Bank，Others are not much different from the single ID card，If you have money, you can also search for Charles Schwab International，If you really have money, you can ask HSBC，Citi CITI，Can Standard Chartered SCB witness the opening?

Have mainland China passport + US visa

How many more options will there be?

• Highly recommended Sable
• Revolut may not support tourist visas
• A little bit of cheese
• Then those companies that witness often require visa + passport (HSBC，Citi CITI，Standard Chartered SCB)

Have Mainland China passport + ITIN

In this situation，Most can be opened，Read the form yourself

• Capital One is the first choice，The wateriest，Most people，It’s also convenient to place a card，Although his family has many shortcomings，But people are relatively watery，And if you open his store, you get both free of charge.
• GO2bank，Usbank，CITI，Chase can try it later，But because of risk control，Cost and other issues are not as good as C1 (Capital One)
• certainly，Hard cloud SchwebUS can also be considered，But the above often require RA，So your account opening is illegal.，But there is no way，Either open or not，Moreover, the above major banks have relatively complete ACH functions and other conveniences.
• certainly，The best one to use is probably Discover.，But I have no credit history，Opened with ITIN，plus spam address，Often you need to be asked to notarize your address，That is difficult and troublesome (but there are also successful cases)
• You can also consider checking your credit history first.，Then open One Finance
• It is recommended to open Google PayBalance if you have a credit record (proof of address + passport + ITIN is generally acceptable)
• AppleCash recommends that you have records for more than 1 year before trying with ITIN.，Because there is only one chance，If you don’t pass it once, you have to get a US ID.，Same for AppleCard

Personal advice on opening a credit card

Only mainland China ID card

Not to mention those prepaid virtual credit cards，There are still relatively few choices

• Huixi will receive SSN’s VELO deposit credit card (not recommended)
• AppleCard supplementary card (it is still recommended to have a passport) [recommended]
• Other brands of credit card supplementary cards (not recommended，KYC may be required)

I only have a Mainland China passport but no visa or ITIN.

• AppleCard Supplementary Card [Recommended]
• AMEX supplementary card [recommended]
• AMEX main card (with credit record) [recommended]
• Other brand credit card supplementary cards
• Huamei Deposit Card Witnessed
• Witness HSBC，Citi CITI，Standard Chartered SCB may be able to

Have Mainland China passport + visa

• AppleCard Supplementary Card [Recommended]、AMEX supplementary card [recommended]、AMEX main card (with credit record) [recommended]、Other brand credit card supplementary cards
• Huamei Deposit Card Witnessed、Witness HSBC，Citi CITI，Standard Chartered SCB
• Sable Deposit Card [Recommended]
• Revolut Virtual Card

Have Mainland China passport + ITIN

• Huamei Deposit Card Witnessed、Witness HSBC，Citi CITI，Standard Chartered SCB may be able to
• If you have a credit record，Most credit cards are acceptable，For example Chase，CITI，Capital One etc.
• If you have no credit history，You can try various deposit cards，Such as Capital One，CITI，One Finance prepaid credit card and more
• AppleCard may be asked for USID，Therefore, it is recommended that the credit record be longer
• Various supplementary cards are generally acceptable (except for discover and other cards that require SSN)
• AMEX main card (with credit record) [recommended]

Reprint

• Summary of Remote Account Opening (Bank of America)：Account opening recommendations，Account opening conditions，Comprehensive comparison，Personal suggestion – Under the Sky

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Rocky

1 years ago

How to get proof of address。。

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shake

1 years ago

reply Rocky

You can refer to the following articles
https://www.eluyee.com/passbook-by-remitly/#comment-1115
https://www.kuajingju.com/archives/754
https://jiemahao.com/blog/lycamobile-list/

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Tianic

10 months ago

reply Rocky

For proof of address, you can refer to this blogger’s article，It’s quite comprehensive.：https://www.tianic.com/3410.html

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