Most US bank accounts require a Social Security Number. International students on F-1 visas can only get an SSN if they have a job offer, which means when you first arrive, you often cannot get one. You still need a bank account immediately, so here are the options that actually work.

Chase Bank is the most commonly used option. Walk into a branch with your passport, F-1 visa, I-20, and university acceptance letter. Chase opens accounts for international students using passport and visa in place of SSN. You must go to a branch in person as the online process requires an SSN. Once opened, you get a debit card, Zelle access, and mobile banking immediately.

Bank of America has a similar process. Some branches are more experienced with international students than others, so it is worth calling ahead to confirm they can open an account for F-1 holders before making the trip.

Wise is not a traditional bank but gives you a US account number and routing number along with a debit card. It is completely online, requires only a passport and selfie verification, and is ready within a few days. It is excellent for receiving money from India and for daily spending but does not offer cheques or cash deposits.

Zolve is built specifically for Indian students arriving in the US. It lets you apply from India before you land and issues a credit card using your Indian credit history. This matters because building a US credit score from day one helps when renting apartments or applying for credit later.

Once you get a campus job and receive an SSN, update your bank account with the number. This unlocks additional account features and makes future credit applications straightforward.