No SSN? No Problem. Quick Tips For How to Open a Bank Account Without an SSN

Have you been wondering—Can I open a bank account without SSN? Many people without Social Security numbers (SSNs) have had trouble opening bank accounts, but it doesn’t have to be that way. With the proper steps, you can go about your business just like anyone else and open a bank account without an SSN at any institution that serves the public, including credit unions and online banks. So, to get an answer to your question, read on.

Can I Open a Bank Account Without SSN?

If you don’t have an SSN, don’t worry. You can get one free by visiting your local Social Security Administration office and filling out a form. If you are under 18, you must have your parent’s or guardian’s signature on the application form. Applying for or maintaining the same bank account number with the Social Security Administration and your bank or financial institution is unnecessary.

Even If You Have An Incorrect Or Old Social Security Number, You Can Still Find Ways To Get Approved

Most banks will not allow you to open an account without it. However, you can use alternative forms of identification such as a driver’s license, passport, or birth certificate, if you have one. If you’re self-employed and don’t have any of these documents, then it might be possible for you to open up your own business bank account. Make sure the bank is federally insured before making any deposits in your new account.

Apply In Person

Find out if the bank will still let you open an account in person. Get your driver’s license, passport, or another form of photo ID and your birth certificate. Take these documents with you to the bank and have them photocopied by the teller for verification purposes. Then, fill out the application for opening a new account.

Apply Online

Banks can help you open a business bank account if you have an EIN. According to the experts at SoFi, “In terms of what kind of number is needed, a U.S. citizen needs a Social Security number or a taxpayer identification number.” You may also need to send copies of your employer’s paycheck stubs or other payment documents. If you’re still having trouble, ask the bank if they can work with you on the verification process and provide them with any documents they might require.

Try Credit Unions

Check with your local credit union. You may not need a Social Security number to open up an account. Apply for a prepaid card from your favorite store or gas station, then use it as you would your debit card when making purchases. Get in touch with the bank manager you wish to do business with and ask about their requirements for opening up an account without one.

Opening a bank account without an SSN can be difficult, but it’s not impossible. The key is to keep looking until you find a bank or credit union willing to work with you.

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