How to Open a Bank Account in the USA – 2025 Guide
How to Open a Bank Account in the USA? – 2025 Guide 💳
Opening a bank account is one of the most important steps for anyone planning to live, work, or study in the United States. Thanks to the reliable US banking system, financial transactions are generally fast and secure. In this guide, you’ll find a step-by-step overview of how to open a bank account in the USA, along with alternative options. ✨
Why Do You Need a Bank Account in the USA?
In the United States, many everyday transactions require a bank account, such as:
Rent payments 🏠
Salary or scholarship payments 💰
Utility and subscription payments (electricity, internet, water, phone) 📶
Tax and social security-related processes
Especially for students and newly relocated residents, opening a bank account makes financial management much easier.
🏦 What Types of Banks Can You Choose in the USA?
When choosing a bank in the USA, there are three main options depending on your needs:
Traditional Banks
Banks with physical branches such as Chase, Bank of America, and Wells Fargo.
Advantages:
In-person customer service
Wide ATM network
Financial advisory services
Digital / Online Banks
Banks that operate fully online, such as Chime, Revolut, or N26 (available in the US).
Advantages:
Fast application process and lower fees
Easy-to-use mobile apps
Flexible verification for newcomers
Immigrant- and International-Friendly Banks
Some large traditional banks and online banks are popular choices for people who have recently moved to the United States.
📄 Documents Required to Open a Bank Account in the USA
Most banks request similar documents. As of 2025, the commonly required documents include:
Passport or government-issued ID
Proof of address in the USA (utility bill or rental agreement)
Social Security Number (SSN) or ITIN (required by some banks)
Proof of income or employment (may be requested by certain banks)
Student certificate (for students)
Online banks often allow you to open an account using only a passport and video verification.
🛠️ Step-by-Step Process to Open a Bank Account in the USA
Choose a bank – Select the bank and account type that best suit your needs.
Apply – Complete the application online or at a branch.
Verify your identity – In-branch or via video verification.
Address verification – Your debit card and account details are sent to your registered address.
Activate your account – Start using online banking after receiving your card.
Things to Know Before Opening a Bank Account in the USA
Some banks may request a credit history or references from new arrivals.
Online banks usually require fewer documents and offer faster approval.
Account maintenance fees vary by bank; some offer free accounts.
In most cases, you need to be physically present in the USA to open a bank account (with a few international bank exceptions).
🚀 Sending Money to the USA Without a Bank Account – kuikpara
Opening a bank account is not mandatory to send money to the USA. With kuikpara, you can:
Send money to the USA for free without a bank account.
Benefits:
Fast and secure transfers
Low-cost and transparent transactions
Real-time transfer tracking ✅
You can send money quickly, securely, and free of charge from Turkey to your loved ones or business partners in the United States.
📲 How to Use kuikpara?
Download the app 📱
Install the kuikpara app on iOS or Android.Create an account ✍️
Sign up quickly by entering your information.Verify your identity ✅
Complete the identity verification process for secure transactions.Top up your wallet and send money 💸
Instantly send free transfers to any recipient.
Frequently Asked Questions (FAQ) ❓
How long does it take to open a bank account in the USA?
With online banks, it usually takes 10–20 minutes. With traditional banks, it may take 1–3 business days.
Can I open a bank account before moving to the USA?
Traditional banks usually do not allow this, but online banks may be more flexible.
Do I need a bank account to send money from Turkey to the USA?
No. With kuikpara, you can make fast and secure transfers without a bank account.