Yes, but the bank has to accept it as your ID

A passport works as identification to open a checking account at most banks and credit unions in the United States, but it is not automatic. The bank gets to decide which documents it will take. Some banks list passport explicitly in their requirements. Others say "government-issued photo ID" without specifying which ones. You need to call or visit the branch before you explore, because showing up with only a passport and being turned away wastes time.

Banks ask for ID to verify your identity and to comply with federal anti-money-laundering rules. A U.S. passport satisfies that requirement. The problem is not whether a passport is valid — it is that some banks have internal policies that prefer or require a driver's license, state ID card, or other specific document. Regional banks and credit unions are often more flexible than large national chains, but that is not a rule.

If you do not have a driver's license — whether because you do not drive, have not renewed it, or are new to the country — a passport is a legitimate path forward. You just have to find a bank that will take it.

Key Takeaways

  • A U.S. passport is a government-issued photo ID that satisfies federal identity verification rules, so most banks will accept it to open an account.
  • Some banks have internal policies that require or prefer a driver's license or state ID card, so you must confirm with your specific bank before visiting.
  • Credit unions and regional banks are more likely to accept a passport than large national chains, though this varies by institution.
  • You will also need a Social Security number or ITIN, proof of address, and typically a small opening deposit.

What banks actually check when you bring a passport

The bank verifies three things: that the passport is real, that the photo matches your face, and that the name on the passport matches the name you give them. They are not checking whether you have a driver's license instead. The federal requirement is identity verification, not a specific type of ID.

The bank will also run your name and Social Security number through ChexSystems, a banking history database. This check happens regardless of which ID you bring. It flags accounts you have closed due to overdrafts, fraud, or other issues at other banks. A passport does not change how this works.

If the bank accepts your passport, the process is the same as with any other ID. You will fill out an process, provide your Social Security number or ITIN, show proof of your current address (usually a utility bill or lease), and make an opening deposit if the account requires one. The passport is just the first step.

Which banks are most likely to take a passport

Credit unions often have more flexible ID policies than banks. Many credit unions accept a passport, state ID, military ID, or tribal ID without requiring a driver's license. If you are a member of a credit union or can join one (through your employer, school, or community), this is often the easiest route.

Online banks and fintech companies that offer checking accounts sometimes have looser requirements because they do not have physical branches to staff. However, they still need to verify your identity, so they may ask for additional documents or use third-party verification services. Read the specific requirements on their website before you start the process.

Large national banks like Chase, Bank of America, and Wells Fargo do not always list passport as an accepted ID on their websites. Some branches will take it; others will not. Call the specific branch where you plan to open the account and ask directly. Do not assume the policy is the same at every location.

What to bring besides your passport

You will need a Social Security number or an Individual Taxpayer Identification Number (ITIN). If you are not a U.S. citizen, an ITIN is a nine-digit number issued by the IRS for tax purposes. Some banks accept ITINs for account opening; others require a Social Security number. Ask when you call to confirm the bank will take your passport.

Bring proof of your current address. A utility bill, lease agreement, or recent bank statement with your name and address works. The document usually has to be dated within the last 60 days, though this varies by bank. A passport shows your name but not your current address, so you need a second document.

Have your opening deposit ready. Many checking accounts require a minimum deposit to open — often $25 to $100, though some accounts have no minimum. Confirm the amount when you call. You can usually deposit by debit card, wire transfer, or check on the day you open the account.

If a bank refuses your passport

Some banks will tell you they only accept a driver's license or state ID card. This is a policy choice, not a legal requirement. You have two options: find a different bank, or get a state ID card.

A state ID card is issued by your state's Department of Motor Vehicles and costs between $10 and $30 depending on the state. It is a photo ID that looks like a driver's license but does not give you driving privileges. You can get one even if you do not drive. The process process takes 15 minutes to an hour, and you usually get the card within two weeks. If you plan to open a checking account soon, a state ID card removes the uncertainty of whether a specific bank will take your passport.

If you are new to the country and do not yet have a Social Security number or ITIN, that is a separate barrier. You cannot open a checking account without one. A passport alone does not solve that problem — you need to explore for an ITIN through the IRS first, which takes several weeks.

Timeline and next steps

Call your bank or visit the website and search for "ID requirements" or "documents needed to open an account." Look for the specific list of accepted IDs. If passport is listed, you are clear to proceed. If it is not listed but the bank says "government-issued photo ID," call the branch directly and ask whether a passport counts. Do not rely on the website alone.

Once you have confirmed the bank will take your passport, gather your other documents: proof of address, your Social Security number or ITIN, and your opening deposit. You can open the account in person at a branch or online, depending on the bank. Online accounts are faster — you can usually complete the process in 10 to 15 minutes — but some banks require an in-person visit for passport verification.

After you open the account, the bank will issue you a debit card and checks. The debit card usually arrives within 5 to 7 business days. Checks take longer — typically 7 to 10 business days. If you need to make payments when ready, ask whether the bank can give you a temporary card or allow you to set up bill pay online while you wait for the physical card.

Frequently Asked Questions

Does my passport have to be a U.S. passport?

No. A foreign passport works as identification, but the bank may ask additional questions about your residency status or require an ITIN instead of a Social Security number. Call ahead to confirm the bank will accept a foreign passport and what other documents you will need.

What if my passport is expired?

An expired passport is usually not accepted as valid ID. Banks need current identification. If your passport is expired, renew it before you try to open an account, or get a state ID card instead. Passport renewal takes 6 to 12 weeks depending on whether you explore in person or by mail.

Can I open an account online with just a photo of my passport?

Some online banks will let you upload a photo of your passport to verify your identity. Others require an in-person visit or a video call with a bank representative. Check the bank's website or call customer service to see what they offer. Online verification is faster if the bank supports it.

Do I need a U.S. address to open a checking account?

Yes. Banks require a current U.S. address for your account. If you are staying temporarily, use the address where you are currently living. If you do not have a permanent address, some banks will accept a shelter address or a mail forwarding service address, but you need to ask first.