How do new immigrants open accounts in American banks?

There are usually two forms of bank accounts in the United States. The first is a deposit account (including interest), and the second is a checking account (excluding interest).

To open an account in the United States, you need to have a social security number first. However, it takes about a week to apply for the social security number, so new immigrants in the United States can ask the bank to open an account after checking their passports, and then notify the bank for filing after getting the social security number.

Pay attention to the following points when handling bank account opening procedures:

It is best to open an account with no minimum balance limit, otherwise you need to always remember to leave some balance in the account, which is a bit troublesome.

You can choose some accounts that allow overdraft. These accounts allow a certain amount of overdraft, which is sometimes very convenient. For example, bills such as rent and telephone charges must be paid, but when the funds are not recorded for some reason, the bank allows the account to make a small overdraft. Generally speaking, it takes about 10- 15 minutes to open an account.

After the bank opens an account, the next step is to apply for a bank card to facilitate withdrawal. Some bank cards and checkbooks need to be paid, but most banks do not. There are many kinds of checks to choose from in America, such as colored paper checks or checks with shaded patterns. Generally speaking, it takes six months to buy 200 checks at a time (20 checks each).