- How long does US personal account opening take?
- Timelines vary by bank. Community banks and credit unions that accept ITINs can take 1–3 weeks. Fintech options (Wise, Payoneer) are faster but have fewer traditional banking features.
- Is account approval guaranteed?
- No. All US bank approvals are at the bank's discretion. We assist with bank selection and document preparation — but cannot guarantee a successful outcome.
- What is an ITIN and do I need one?
- An ITIN (Individual Taxpayer Identification Number) is issued by the IRS to non-US residents who don't have a Social Security Number. Most traditional US banks require one. We can advise on obtaining an ITIN.
- What happens after purchase?
- You'll complete an intake questionnaire and upload your identity documents via your dashboard. Our team will advise on the best bank for your situation and guide you through the application.