Yes, but it depends on the bank and what ID you can show instead
You can open a bank account without a driver's license or passport, but you will need to show some form of identification that the bank accepts. Most banks have moved away from requiring a single specific ID and now work with alternatives — especially if you explain your situation upfront.
The catch is that banks are required by federal law to verify who you are before opening an account. This is called Know Your Customer (KYC) compliance, and it exists to prevent fraud and money laundering. Because of this requirement, no bank will open an account with zero identification. But the forms of ID that satisfy this requirement are broader than many people realize.
The easiest path is to call or visit a branch in person and ask what documents they accept. Banks often have more flexibility when you are standing in front of them than their website suggests. If you do not have a government-issued ID, bring whatever identification documents you do have — and be direct about what you are missing.
Key Takeaways
- Banks must verify your identity by law, but most accept alternatives to a driver's license or passport if you ask what they have available.
- A state ID card, tribal ID, passport card, or even a consular ID from your country of origin may work at many banks.
- Some banks will accept non-government ID like a school ID, employee badge, or utility bill as supporting documents alongside other proof of identity.
- Community banks and credit unions are often more flexible than large national banks when you lack standard government ID.
- Visiting a branch in person and explaining your situation usually opens more options than explore online.
What counts as acceptable ID at most banks
A driver's license and passport are the most common forms of ID, but they are not the only ones banks accept. Many banks will open an account with a state ID card — the non-driver version issued by your state's DMV. This card serves the same identity verification purpose as a driver's license and is often easier to obtain if you do not drive.
If you are not a U.S. citizen, a consular ID from your country's embassy or consulate in the United States is widely accepted. Many banks also recognize tribal identification cards issued by federally recognized Native American tribes. A passport card (the smaller, wallet-sized version of a passport) works at most banks and is cheaper and faster to obtain than a full passport book.
Some banks will also accept a combination of documents when you do not have a single government-issued ID. For example, a school ID plus a utility bill in your name, or an employee badge plus a lease agreement, may together satisfy the bank's identity verification requirement. The key is asking what the specific bank will accept rather than assuming you are turned away.
How to get a state ID card if you do not have a driver's license
A state ID card is issued by your state's Department of Motor Vehicles (DMV) and requires the same documents as a driver's license — typically a birth certificate, proof of residency, and proof of Social Security number. The main difference is that you do not have to pass a driving test. The cost varies by state but is usually between $15 and $50.
You can find your state's DMV office online and book an appointment or walk in during business hours. Bring your original birth certificate (or certified copy), a document showing your current address such as a utility bill or lease, and your Social Security card or a document with your number on it. Some states also accept a passport or consular ID as proof of identity when explore for a state ID card.
The process typically takes a few weeks from process to receiving your card in the mail. If you need to open a bank account sooner, ask the bank whether they will accept the DMV receipt or appointment confirmation as temporary proof of identity while you wait for the card to arrive.
Community banks and credit unions versus large national banks
Large national banks like Chase, Bank of America, and Wells Fargo have strict online identity verification systems and may be less flexible if you lack standard government ID. However, community banks and credit unions often have more discretion because they work with local customers and can verify information through other means.
A credit union is a member-owned financial institution that often serves a specific community, employer, or group. Credit unions frequently have looser ID requirements than national banks because they know their members personally or through community connections. If you work for a large employer, attend a university, or belong to a professional organization, you may be able to join a credit union affiliated with that group.
Community banks operate in a specific region and often have relationships with local organizations and nonprofits. They are more likely to work with you if you explain your situation and show up in person. Start by searching for banks in your area or asking a local nonprofit that works with immigrants or unbanked communities for a recommendation.
What documents to bring when you visit in person
Bring every form of identification you have, even if it is not government-issued. This includes a school ID, employee badge, library card, passport card, consular ID, tribal ID, or any state ID card. Also bring documents that prove your identity and address together, such as a utility bill, lease agreement, mortgage statement, or government benefits letter with your name and current address on it.
If you have a Social Security card, bring it. If you do not have a Social Security number, bring documentation of your immigration status — such as a work permit, visa, or green card. The bank needs to verify your identity and your Social Security number (or ITIN, an Individual Taxpayer Identification Number) for tax reporting purposes.
Write down the names and addresses of documents you are bringing so you can explain what each one shows. For example: "This is my school ID with my photo, and this utility bill shows my current address." Banks process hundreds of accounts, and being organized and clear about what you are offering makes their job easier and increases the chance they will work with you.
Opening an account online versus in person
Online account opening uses automated identity verification systems that check your information against databases. These systems are fast but rigid — they expect a specific type of ID and may reject you if you do not have it. If you lack standard government ID, your chances of success online are lower.
Opening an account in person is slower but much more flexible. A bank employee can see your documents, ask questions, and use judgment. They can also contact their manager or compliance team if your situation is unusual. Many people who cannot open an account online will succeed in a branch.
Start with a phone call to the branch. Explain that you do not have a driver's license or passport but have other forms of ID, and ask whether they can open an account for you. If they say yes, ask what documents to bring. If they say no, ask whether another branch in the same bank has different policies, or ask for a referral to a bank that might work with you.
What happens if you cannot get any form of ID
If you have no identification documents at all, opening a traditional bank account will be very difficult. However, some options exist. A few banks and credit unions offer second-chance banking accounts or accounts for people without ID, though these are rare and often come with higher fees or lower account limits.
Some nonprofits that serve immigrants, homeless people, or other vulnerable populations partner with banks to help people open accounts. Organizations like the Immigrant Advocates Network or local community action agencies may know which banks in your area will work with you. Call 211 (a free helpline) and ask for banking resources in your area.
If you are in the United States without documentation, some credit unions and community banks will still work with you using an ITIN instead of a Social Security number. Be honest about your situation when you call. Many banks have seen this before and have a process for it.
Frequently Asked Questions
Can I open a bank account with just a passport card?
Yes. A passport card is a valid government-issued ID and most banks accept it. It is smaller and cheaper than a passport book, and you can obtain one through the State Department's passport process process. Bring the passport card plus a document showing your current address.
What if I have a work permit but no other ID?
A work permit (Employment Authorization Document, or EAD) is government-issued ID and many banks will accept it. Bring it along with a document showing your address, such as a utility bill or lease. If the bank hesitates, ask to speak with a manager or try a credit union or community bank.
Do I need a Social Security number to open a bank account?
Most banks require either a Social Security number or an ITIN (Individual Taxpayer Identification Number). If you do not have either, ask the bank whether they can open an account using your passport number or work permit number instead. Some will; others will not. A credit union is more likely to be flexible on this point.
Can I use a utility bill as my only form of ID?
No. A utility bill proves your address but not your identity. Banks need at least one form of photo ID or government-issued ID. However, a utility bill combined with another document — such as a school ID, employee badge, or passport card — may be enough. Always ask the bank what combination they will accept.
How long does it take to get a state ID card?
The process process at the DMV usually takes 30 minutes to an hour. The card itself arrives in the mail within two to four weeks, depending on your state. Some states offer expedited processing for an extra fee. Call your state's DMV to ask about wait times in your area before you go.