Banking, credit, SSN/ITIN

How newcomers set up everyday money systems without already having U.S. credit.

The common “order of operations”

Reality check

Many services use “proof of address” + a U.S. phone number as the first gate. Get those early.

“Can I open a U.S. bank account before I move?” Sometimes — it depends on the bank and whether you can verify identity/address. Many newcomers start with a bank that has clear newcomer processes.
“Do I need an SSN to build credit?” Not always. Some paths work with an ITIN or through secured cards/authorized user routes, but options vary by issuer.
“Why did I get denied?” Often it’s not you — it’s thin/no U.S. file, address mismatch, or verification rules. Try a different institution and build in layers.
“What’s the best order?” Basic checking → stable address/phone → starter credit → utilities/insurance reporting (where available).

Tip: one “no” doesn’t mean everyone will say no. Policies vary a lot.

If you work in the U.S., your employer may prefer direct deposit—so prioritize a bank visit in week 1.

SSN is typically tied to work authorization and is used for many financial accounts.
ITIN is a tax-processing number for people who need to file U.S. taxes but aren’t eligible for an SSN.

Exact eligibility depends on your status—confirm via official IRS/SSA resources or a licensed tax professional.

Start with a secured card if needed (you deposit funds; it reports to credit bureaus).
Keep utilization low (don’t max it out).
Set autopay to avoid missed payments.
After 3–6 months, consider a second account only if it helps (don’t open too many).

Pick a budgeting system (simple: fixed costs + variable costs + buffer).
Track your first 60 days of spending—U.S. costs surprise people (insurance + healthcare).
Set up utilities on autopay once stable.

Helpful tool

Create a “moving buffer” account just for one-time costs: deposits, utility setup fees, furniture, DMV.