Opening your U.S. bank account

You may find that you need a U.S. bank account right away.
That's where we come in.

Application process and requirements

To apply for an account, you need to visit a Bank of America financial center.

1.Required documents

You must be living in the U.S. in order to open an account and you'll need to provide both your foreign and your U.S. address.*

Home or permanent residence address

This must include building name or number and street name, city or town, state or province, country.

U.S. physical address

Only one of the following documents is needed

  • Government-issued ID with photo
  • Student ID with address and photo
  • Current utility bill with your name and address
  • Other (rental agreement, etc.)

*A post office box or locally known mail drop location (such as Mail Boxes) is not an acceptable U.S. physical address.


You will need two forms of identification.

Primary ID

Only one of the following documents is needed

  • Foreign passport with or without passport visa (with photo)
  • U.S. Non Immigrant visa and Border Crossing Card-DSP-150 (with photo)
  • Mexican, Guatemalan, Dominican, Colombian Consular ID (with photo)
  • Canadian Citizenship Certificate Card (with photo)

Secondary ID

Only one of the following documents is needed

  • Foreign driver's license with photo or U.S. driver's license
  • U.S. student ID validated for current term or school year (with photo)
  • Debit or major credit card with Visa® or Mastercard® logo
  • Major retail credit card from a nationally well-known company
  • U.S. Department of State Diplomat ID
  • Mexican Voter Registration Card (with photo)

Foreign Tax Identification Number (FTIN)

An FTIN issued by a country other than the U.S. A U.S. TIN/ITN is not required unless you’ve been issued one.

2.Visit us

Pick a time and location that’s convenient for you.

Your safety comes first, which is why we have taken multiple steps to minimize health risks — like enhanced cleaning, plastic screens and distance markers. Don't forget your mask; we'll be wearing ours. Learn more about visiting our financial centers during this time.

Schedule an appointment

3.Start banking

Once everything is in order, you’ll be able to start enjoying conveniences like the Mobile Banking app1, debit card and digital wallets – designed to help manage your finances and pay for items easily.

Bank of America Advantage SafeBalance Banking®
is a great choice for students

A monthly maintenance
fee waiver2

Are an owner of this account under age 25 and qualify as a Student.

Just for you

Sole ownership can start as early as age 16 for students with a valid U.S. visa and physical U.S. address.

Where you need us

We have thousands of physical locations if you need assistance or just an ATM.

1 Mobile Banking requires that you download the Mobile Banking app and is only available for select mobile devices. Message and data rates may apply.

2 How to qualify as a Student: For Bank of America Advantage SafeBalance Banking and Bank of America Advantage Plus Banking, when you notify us an owner of one or more of these accounts is a Student, we will waive the monthly maintenance fee on such account(s) for each statement cycle during which such owner of the account qualifies as a Student. A Student is defined as an account owner who is both enrolled in school or an educational or vocational program and under 25 years old. Please refer to your Personal Schedule of Fees for details. Fiduciary titled accounts, including UTMA / UGMA do not qualify for the under the age of 18 or the Student waiver.

Effective February 18, 2022 the student waiver will no longer be available to be applied to an Advantage Plus account. For Advantage Plus accounts with a Student waiver applied prior to February 18, 2022 this monthly maintenance fee waiver will apply until the Student turns 25, ceases to be an owner of the account, or notifies us that they are no longer enrolled in school or an educational or vocational program.

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