Yes, but most banks want more than a passport alone
A passport works as a government-issued photo ID at most banks, so it can satisfy the identity requirement for opening a checking account. However, banks typically ask for a second form of identification or proof of address as well. A passport by itself is usually not enough to complete the account setup—you will also need something like a utility bill, lease agreement, or state ID card.
The exact requirements depend on the bank. Large national banks like Chase, Bank of America, and Wells Fargo have stricter verification processes than smaller regional banks or online-only banks. Some online banks have looser requirements because they verify identity through other methods, like linking an existing bank account or using a third-party verification service.
If you are in the United States and do not have a state ID or driver's license, a passport is a strong starting point—but plan to bring a second document to the bank branch or have one ready when you open an account online.
Key Takeaways
- A U.S. passport counts as valid government-issued photo ID for bank account opening, but most banks require a second form of ID or proof of address.
- Large national banks typically ask for two documents; online banks and credit unions often have more flexible requirements.
- Proof of address can be a recent utility bill, lease, mortgage statement, or government notice—it does not have to be an ID card.
- If you are opening an account online, you may be able to verify your identity through a video call or by linking an existing account instead of submitting documents in person.
What banks ask for when you bring a passport
When you walk into a bank branch with a passport, the employee will scan or copy it as proof of identity. The passport shows your name, date of birth, and photo, which covers the core ID requirement. However, the bank's system will then ask for a second piece of information—usually proof of your current address.
Proof of address does not have to be another ID. A recent utility bill (electric, gas, water, or internet), a lease or rental agreement, a mortgage statement, or even a government notice with your name and address will work. The document typically needs to be dated within the last 60 to 90 days, though this varies by bank. If you do not have any of these, some banks will accept a second government-issued ID, such as a state ID card, passport card, or military ID.
A few banks will also ask for a Social Security number or Individual Taxpayer Identification Number (ITIN). If you are not a U.S. citizen, you may still open an account with a passport and an ITIN, though some banks have restrictions on accounts for non-residents or people without a U.S. address.
Opening an account online with a passport
Online banks often have different verification processes than brick-and-mortar branches. Instead of handing over documents in person, you upload photos of your passport and proof of address through their website or app. Some online banks use automated systems that read and verify these documents instantly; others send them to a human reviewer, which can take a few business days.
A growing number of online banks also offer video verification. You start the account opening process on their website, then schedule a video call with a bank representative. During the call, you hold up your passport to the camera, answer security questions, and verify your address verbally. This method is faster than mailing documents and does not require you to visit a branch.
Some online banks—particularly those that cater to people without traditional banking history—will let you link an existing bank account instead of submitting ID documents. If you already have a checking or savings account elsewhere, you can transfer a small amount of money to the new bank as proof of identity. This route bypasses the passport requirement entirely.
Credit unions and smaller banks
Credit unions often have more flexible requirements than national banks. Many credit unions will open an account with just a passport and proof of address, and some will waive the address requirement if you can provide a second form of ID. Credit unions also tend to move faster through the verification process because they have smaller customer bases and less automated screening.
Regional banks vary widely. Some have the same strict requirements as Chase or Bank of America; others are more lenient. Before you visit a branch, call ahead and ask what documents they need. This saves you a trip if you do not have everything they require.
If you are a member of any organization—a workplace, union, alumni association, or community group—check whether they have an affiliated credit union. These credit unions sometimes have lower barriers to entry and may accept a passport plus one other document without question.
If you do not have proof of address
If you have a passport but no utility bill, lease, or other proof of address, you have a few options. Some banks will accept a letter from a government agency, a bank statement from another institution, or even a credit card statement. The key is that the document must show your name and current address and be dated recently.
If you are homeless or living in a temporary situation, tell the bank directly. Many banks have procedures for customers without a permanent address. They may ask you to provide the address of a shelter, a friend's house where you receive mail, or a mailbox service. Some banks will also accept a letter from a social service agency or shelter confirming your identity and current situation.
As a last resort, you can ask the bank whether they will accept a second government-issued ID instead of proof of address. A state ID card, military ID, or passport card all count as government-issued photo ID. If you have two of these, most banks will open an account without requiring proof of address.
Non-citizens and passport requirements
If you are not a U.S. citizen, a foreign passport works as ID at most banks, but the account opening process may take longer. Banks are required by federal law to verify that you are not on a government watchlist, and this check takes extra time for non-citizens. You will also need a U.S. address and either a Social Security number or an ITIN.
Some banks restrict accounts for non-residents (people without a U.S. address) or people on temporary visas. Before you apply, call the bank and ask whether they open accounts for people in your immigration status. Online banks are sometimes more flexible than branches, but policies vary.
If you are a permanent resident, the process is the same as for citizens—a passport and proof of address are usually enough. If you are on a student visa, work visa, or temporary status, ask the bank specifically whether they accept your visa type. Some banks will ask to see your visa document in addition to your passport.
What to bring to the bank branch
If you are opening an account in person, bring your passport and at least one other document. A recent utility bill or lease is ideal. If you do not have either, bring a second government-issued ID. You will also need to know your Social Security number or ITIN.
Bring your phone number and email address so the bank can set up online access and two-factor authentication. If you want to set up direct deposit for a paycheck or government payment, bring a recent pay stub or the routing and account number from your current bank.
Some banks ask for a minimum opening deposit, which ranges from zero to $25 depending on the account type. Ask the bank in advance whether a deposit is required and how much it is. You can usually make this deposit by debit card, credit card, or transfer from another account.
Frequently Asked Questions
Can I open a checking account with only a passport and no other ID?
Most banks will not open an account with a passport alone. They require a second form of ID or proof of address. However, some online banks and credit unions may be more flexible—call ahead to ask. If you have a second government-issued ID (state ID, military ID, or passport card), that usually satisfies the requirement.
Does my passport have to be valid, or can I use an expired one?
Banks prefer a valid passport, but some will accept an expired one if it is recent (expired within the last few years). The passport still shows your photo and identity clearly. Call the bank before you go in to confirm they will accept an expired passport.
What if I have a passport but no proof of address?
Bring a second government-issued ID instead. If you do not have one, ask the bank whether they accept bank statements, credit card statements, or letters from government agencies. If you are homeless or in a temporary situation, tell the bank—many have procedures for customers without a permanent address.
Can I open an account online with just a passport?
Online banks typically ask you to upload a photo of your passport and proof of address. Some use video verification instead, where you show your passport on camera. A few online banks will let you link an existing bank account as proof of identity, which bypasses the passport requirement.
Do I need a U.S. passport, or will a foreign passport work?
A foreign passport works as ID at most banks, but the account opening process may take longer because banks must verify you against government watchlists. You will also need a U.S. address and a Social Security number or ITIN. Some banks restrict accounts for non-residents—call ahead to confirm they open accounts for people in your situation.