How do I open a US bank account as an international student?

Opening a US bank account is one of the first things you should do after arriving. Here is how:

What you typically need:
- Valid passport with F-1 visa
- I-20 (your student document)
- I-94 (Arrival/Departure record — download from cbp.dhs.gov)
- US address (university housing letter or rental agreement)
- Social Security Number (SSN) — if you have one; many banks accept an ITIN or will open without it

Banks popular with international students:
- Bank of America: Student checking, no monthly fee with student status, wide ATM network
- Chase: Student checking account, widespread branches
- US Bank: Student account available
- Wells Fargo: Everyday checking, some campus branches
- Credit Unions: Often better rates, fewer fees — check if your university has one

Online-only options (no SSN required):
- Wise (formerly TransferWise): Multi-currency, excellent for receiving money from home, sending money internationally
- Revolut: Good for travel, multi-currency
- These are not traditional US bank accounts but serve most day-to-day purposes

Getting an SSN as a student:
On-campus work authorises you to apply for an SSN. You need an employment letter from your employer and a letter from your DSO confirming your enrollment and work authorisation. Visit a Social Security Administration (SSA) office.

Credit history: Start building credit ASAP. Apply for a secured credit card (deposit-backed) — Discover It Secured, Capital One Secured, or a student card. Good US credit history helps significantly when renting, getting a phone plan, or eventually applying for loans.