How to Open a Bank Account as a New Brazilian Immigrant in the US
You can open a basic checking account within a week once you have the right papers. Most banks accept a passport plus one more form of ID.
Documents most banks ask for
| Document | Why it matters | Example |
|---|---|---|
| Passport | Primary ID | Brazilian passport with visa or entry stamp |
| SSN or ITIN | Required for tax reporting | ITIN letter from IRS if you do not yet have an SSN |
| Proof of address | Shows where you live | Lease, utility bill in your name, or letter from host |
| Brazilian ID (optional) | Extra verification | RG or CNH |
Bring originals and one copy of each. Some branches scan everything on the spot.
- Call or check the bank website to confirm they accept ITIN. Chase and Bank of America branches in cities with large Brazilian communities usually do.
- Pick a branch near you and make an appointment. Walk-ins work but wait times run longer.
- Arrive with the documents listed above. Tell the banker you are new to the country and need a simple checking account with a debit card.
- Fill out the application on their tablet or paper form. They will run a soft credit check that does not hurt your score.
- Receive your account number and temporary debit card the same day in most cases.
After the account opens, link it to a Brazilian bank app such as Nubank or Itaú so you can receive wire transfers without high fees. Set up direct deposit if you already have a job lined up.
- Start with a no-fee checking account. Avoid accounts that require a minimum balance until you have steady US income.
- Credit unions sometimes offer lower fees than big banks. Ask at your local branch.
- If you are in Florida or Massachusetts, mention you speak Portuguese. Several branches keep bilingual staff on hand.