What documents do I need to open a Bank of America account with an ITIN?

You need the CP565 notice (or a tax return showing the ITIN), an unexpired passport, a second ID (matrícula consular, foreign driver license, or U.S. state ID), proof of U.S. address (utility bill, lease, or bank letter), and an opening deposit (typically $25-100).

Can I open a Bank of America account online with only an ITIN?

Bank of America's online application generally requires an SSN. ITIN holders must visit a branch in person. Some branches will pre-book an appointment by phone or website to streamline the visit.

Does Bank of America accept matrícula consular ID for ITIN customers?

Yes. Bank of America has historically accepted the matrícula consular as a secondary form of ID for ITIN customers, alongside a primary unexpired passport. Always confirm with the specific branch before your appointment.

How long does it take to open the account at the branch?

The in-branch appointment typically takes 45-90 minutes. The debit card arrives by mail 7-10 business days later. Online banking access is usually available the same day.

Bank of America with ITIN: Step-by-Step Account Opening

By Namira Taif, Lead ITIN SpecialistReviewed by our IRS-authorized CAA partners · Updated June 25, 2026

Bank of America is one of the most ITIN-friendly major US banks, and this walkthrough takes you from booking the branch appointment to walking out with an open account. You will see the exact documents to bring, your CP565, an unexpired passport, a second photo ID like a matricula consular, and proof of a US address, plus the opening deposits and monthly fees for the SafeBalance, Advantage Plus, and Advantage Savings products. It also covers why online-only applications still demand an SSN and the common reasons a branch denial happens.

Can You Open a Bank of America Account With an ITIN in 2026?

Yes. Bank of America has accepted ITINs for many years and remains one of the most ITIN-friendly major U.S. banks. The product lineup — Advantage SafeBalance checking, Advantage Plus checking, and Advantage Savings — is identical to what SSN customers receive.

For the full product comparison and fee schedule, see the ITIN Bank of America guide.

What Documents Do You Need at the Branch Appointment?

CP565 notice (or any federal tax return showing the ITIN).
Unexpired passport. Primary photo ID.
Second photo ID. Matrícula consular, foreign driver license, or U.S. state ID.
Proof of U.S. address. Utility bill, lease, or official mail dated within the last 60 days.
Opening deposit. Cash, money order, or check. SafeBalance opens with $25.

How Do You Book and Prepare for the Branch Appointment?

Find a branch at bankofamerica.com. Larger metro branches handle more ITIN openings.
Book the appointment online or by phone. Mention that you will use an ITIN.
Gather documents into a single folder the night before.
Arrive 10 minutes early and ask for a banker experienced with non-resident accounts.
Sign the application, fund the account, and download the BoA mobile app while still in the branch.

How Much Does It Cost to Open and Maintain the Account?

Product	Min Deposit	Monthly Fee
Advantage SafeBalance	$25	$4.95 (waived for under-25 or students)
Advantage Plus	$100	$12 (waived with $250 direct deposit or $1,500 balance)
Advantage Savings	$100	$8 (waived with $500 balance)

What Happens After You Open the Account?

You leave the branch with online-banking credentials and a temporary check pack. The permanent debit card arrives by mail in 7-10 business days. Set up direct deposit, link Zelle, and enable mobile-check deposit to unlock the lower fee tiers.

For more ITIN-friendly U.S. bank options, see the ITIN banking hub.

What Are the Most Common Reasons an ITIN Application Gets Denied at the Branch?

Address on documents does not match the ID.
Passport expired or missing photo page.
CP565 not yet received (the IRS has issued the ITIN but the letter is in transit). Bring a tax return as backup.
ChexSystems flag from a previously closed U.S. account.
Branch unfamiliar with ITIN openings. Ask for the branch manager or visit a larger location.

Frequently Asked Questions About Bank of America With ITIN

Yes. Bank of America accepts an ITIN in place of an SSN for personal checking and savings accounts. The account must generally be opened in person at a branch with primary ID (passport) and a U.S. address.

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