Updated
TD Bank with ITIN: Non-Resident Account Guide (2026)
Does TD Bank Accept an ITIN to Open an Account?
Yes. TD Bank's US operations accept an ITIN as the taxpayer identifier under the IRS Customer Identification Program. The branch teller verifies the ITIN against the CP565 letter and cross-references it with the passport for identity. TD Bank's US footprint (Maine to Florida along Interstate 95) makes branch visits straightforward for residents of those states.
Which TD Bank Accounts Are Available with an ITIN?
- TD Convenience Checking— $15/month or waived with $100 minimum balance.
- TD Beyond Checking— $25/month or waived with $5,000 balance; ATM-fee reimbursement.
- TD Simple Savings— $5/month or waived with $300 balance; FDIC insured.
- TD Signature Savings— higher rate, $15/month or waivable.
What Are the Steps to Open a TD Bank ITIN Account?
- Have the ITIN ready. The CP565 letter is required at the branch.
- Locate a US TD branch using the TD store locator. East Coast states have the densest coverage.
- Book an appointment or walk in during off-peak hours.
- Bring all documents and the opening deposit.
- Sign the signature card and W-9 (Substitute) with the ITIN entered in the SSN field.
- Receive the debit card— an instant-issue card is often available the same day; the permanent embossed card arrives in 7 to 10 business days.
What If I Cannot Travel to a TD Bank Branch?
TD Bank does not currently open ITIN deposit accounts online. Non-residents and applicants outside the East Coast are better served by Capital One (online ITIN flow), Mercury (US LLC online), or Wise (multi-currency personal). See the ITIN bank account guide for the full comparison.
Frequently Asked Questions About TD Bank and ITIN
Yes. TD Bank accepts an ITIN in place of an SSN to open TD Convenience Checking, TD Beyond Checking, and TD Simple Savings accounts. The application must be submitted in person at a US TD branch (East Coast footprint). The Canadian TD branches operate as a separate institution.
TD Bank operates US branches from Maine to Florida along the East Coast. ITIN onboarding is handled at any US branch but is most common in metro markets (Boston, New York, Washington, Miami). Calling ahead to confirm staff availability for ITIN-specific intake reduces wait time.
TD Bank requires the IRS CP565 ITIN letter, an unexpired foreign passport, a secondary government ID (foreign driver's license, national ID, or US visa), a US address proof (lease, utility bill, or government letter), and a minimum $25 opening deposit for Convenience Checking.
TD Bank credit cards are issued through TD Bank USA, N.A. and generally require SSN-based credit history. ITIN-only applicants are typically declined for unsecured cards. A secured credit card may be available after establishing a TD deposit relationship.
Need your ITIN first? Apply with a Certifying Acceptance Agent — $297 flat, ready in 7 days.