According to Grok:
Yes, tourists can open bank accounts in the United States, but the process and requirements vary by bank and account type. Here’s a concise overview:
Eligibility: Many banks allow non-residents, including tourists, to open accounts, but some require a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Others accept alternative IDs like a passport or foreign driver’s license.
Requirements:
Identification: A valid passport is typically required. Some banks may also ask for a secondary ID, such as a driver’s license or a U.S. visa.
Proof of Address: You may need to provide a U.S. address (e.g., a hotel or temporary residence) or, in some cases, a foreign address.
Visa Status: While not always mandatory, some banks prefer customers with a valid U.S. visa (e.g., tourist visa like B-2).
Minimum Deposit: Many banks require an initial deposit, ranging from $25 to $1,000, depending on the account type.
Bank Options:
Major banks like Bank of America, Chase, or Wells Fargo often allow non-residents to open accounts, but requirements can be stricter.
Online banks or fintechs like Wise, Revolut, or international banks (e.g., HSBC) may offer accounts tailored for non-residents with fewer hurdles.
Credit unions and smaller banks may have more flexible policies but could require local residency.
Challenges:
Some banks may restrict account types for non-residents (e.g., checking or savings only, no credit products).
Without an SSN or ITIN, options are limited, and some banks may reject applications.
Tourists on short-term visas might face additional scrutiny due to anti-money laundering regulations.
Practical Tips:
Research banks in advance and contact them to confirm non-resident policies.
Consider online or international banks for easier access.
Be prepared to provide documentation and possibly visit a branch in person.
If you need specific bank recommendations or details for a particular state, let me know!