What ID documents does Wells Fargo require for ITIN customers?

Wells Fargo requires one primary photo ID (unexpired passport, U.S. state ID, or U.S. driver license) and one secondary ID (matrícula consular, foreign driver license, debit card from another bank, or major credit card). The CP565 notice or a federal tax return proves the ITIN.

Can I open a Wells Fargo account online with my ITIN?

The Wells Fargo online application requires an SSN. ITIN holders must apply at a branch. You can pre-fill the personal-info portion online and finish the application in person.

How much do I need to open a Wells Fargo account with an ITIN?

Wells Fargo Everyday Checking opens with a $25 minimum deposit. Way2Save Savings opens with $25 as well. Bring cash, a money order, or a check from another U.S. bank for the initial funding.

Will Wells Fargo report my ITIN account to the credit bureaus?

Standard checking and savings accounts do not report to credit bureaus. The Wells Fargo Active Cash secured credit card (when offered to ITIN customers) does report to all three bureaus and is a common way for ITIN holders to build U.S. credit.

Updated June 25, 2026

Wells Fargo ITIN Requirements: What Non-Residents Need

Does Wells Fargo Officially Accept ITINs in 2026?

Yes. Wells Fargo has accepted ITINs since the early 2000s. The product menu for ITIN holders matches SSN customers: Everyday Checking, Clear Access Banking, Way2Save Savings, and the Active Cash secured credit card. The only practical limitation is the requirement to open in person.

For product details and fee schedules, see the Wells Fargo ITIN page.

What Are the Exact ID Requirements at a Wells Fargo Branch?

Wells Fargo asks for two forms of ID. The first must be a government-issued photo ID. The second can be a softer document.

Tier	Accepted Documents
Primary ID	Unexpired passport, U.S. state ID, U.S. driver license, or permanent resident card
Secondary ID	Matrícula consular, foreign driver license, debit card, major credit card, or student ID
ITIN Proof	CP565 notice or last filed federal tax return
Address Proof	Utility bill, lease, or official mail (within 60 days)

How Much Money Do You Need to Open a Wells Fargo Account?

Everyday Checking: $25 opening deposit, $10 monthly service fee (waived with $500 direct deposit or $500 minimum balance).
Clear Access Banking: $25 opening deposit, $5 monthly fee (waived for under-25).
Way2Save Savings: $25 opening deposit, $5 monthly fee (waived with $300 balance or auto-transfer).

Why Does Wells Fargo Require In-Person Account Opening for ITIN Customers?

Federal Customer Identification Program (CIP) rules require banks to verify identity using documentary or non-documentary methods. Wells Fargo's online flow runs an instant SSN-based identity check that ITINs do not satisfy. In-person verification by a branch banker fills the gap.

What Should You Expect at the Branch Appointment?

The visit takes 45-75 minutes. The banker scans your IDs, types the ITIN into the system, and opens the account during the appointment. You leave with online-banking credentials, a temporary check pack, and confirmation that the debit card will arrive within 7-10 business days.

For broader ITIN banking strategy, see the ITIN banking hub.

What Are the Most Common Reasons Wells Fargo Declines an ITIN Application?

ChexSystems flag from prior closed account.
Address proof older than 60 days.
Mismatched name spelling between passport and CP565.
Expired passport or missing photo page.
No U.S. residential address (P.O. boxes are not accepted).

Frequently Asked Questions About Wells Fargo ITIN Requirements

Yes. Wells Fargo accepts an ITIN in place of an SSN for personal checking, savings, and credit-builder products. The account must be opened in person at a branch with primary photo ID, a second ID, and proof of U.S. address.

Ready to apply? Get your ITIN with a Certifying Acceptance Agent — $297 flat, ready in 7 days.