Undocumented immigrants residing in the United States can safely open checking and savings accounts at numerous major national banks, regional institutions, and community credit unions that do not strictly require a standard U.S. Social Security Number (SSN) for identity verification. Under federal Know Your Customer (KYC) regulations, financial institutions must verify a customer's identity, but they are permitted to accept alternative forms of official documentation. Massive national banks such as Bank of America, Wells Fargo, JPMorgan Chase, Citibank, U.S. Bank, and BMO Harris routinely allow applicants to open accounts by providing an Individual Taxpayer Identification Number (ITIN) issued by the Internal Revenue Service. If an individual does not possess an ITIN, many of these accommodating institutions will accept an unexpired foreign passport, a secure consular identification card (such as the Matrícula Consular issued by the Mexican government), or a valid foreign driver’s license, provided the applicant can also supply reliable proof of their current physical U.S. residential address (such as a recent utility bill or an active residential lease agreement). Additionally, local community development credit unions and institutions designated as Minority Depository Institutions (MDIs) often specialize in providing highly accessible, bilingual banking services and credit-building products specifically tailored to support immigrant communities regardless of their official documentation status.