Do I need a Social Security number (SSN) to open a checking account?

We make the process simple! If you’re a non-U.S. resident, visit any Gate City Bank location near you to open your checking account. Please plan to provide:

• Two forms of identification, including:
  • U.S. government-issued photo ID, such as a driver’s license or state ID card
  • Visa
• Your Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN)
• Proof of address, such as a recent utility bill or paystub
• Opening deposit to fund your new account

Stop in today, and our friendly experts will guide you through the entire process start to finish!

New to banking in the U.S? Some of the benefits of a U.S. bank account include:

• Convenience for everyday shopping
• Paying bills, receiving payments and withdrawing money without the fees of a foreign account
• Increased security
• Building your financial history
• Additional peace of mind, in case of emergencies or unexpected expenses while you’re far from extended family

At Gate City Bank, we also offer free ATMs¹, easy international transfers, digital banking tools to manage your money anywhere and local service right down the street. To learn more or open your account, visit us at any location. We’d love to give you a warm welcome!

Great question! Existing Gate City Bank customers are eligible to send and receive international wire transfers. Please contact us to learn more about eligibility requirements, information needed to process your transfer and for any other questions.

Good news! If you’re new to the U.S., you may apply for a home loan with Gate City Bank using an Individual Taxpayer Identification Number (ITIN) for your mortgage application. 

Please note that other criteria and qualifications may be required, including credit history, employment history and proof of tax returns. Stop in today, or ask a mortgage lender for complete details. We’ll be happy to help!

To help keep your online banking secure, non-U.S. phone numbers won’t be eligible to receive one-time passcodes by default. However, these numbers can be added to personal accounts by contacting our team.

Authenticator apps are another helpful way to complete a login during foreign travel. By generating unique, time-sensitive codes, these apps help ensure that only you can access your account, providing enhanced protection that allows you to manage your finances confidently and securely.

Using a browser, you can integrate an authenticator app into Gate City Bank’s online banking by navigating to “Tools,” then selecting “Settings” and “Security.”