Citi bank vs North One for non residents

By Rohan Smith, 15 December, 2022

Citi bank review for non-residents without SSN

Bank
Citi bank
SSN Required?
Yes
ITIN Required?
No
Can Apply Online?
With SSN
Summary

Citi Bank is one of the largest Neobanks in the country, specializing in credit cards. Citi offers 13 types of cards, including free ones (no monthly fee). The Visa and Mastercard standards are accepted all around the world. Cash withdrawal is free from 65,000 ATMs. Citibank allows its clients to shop online and offline, and make international transfers. The mobile app features detailed analytics on the accounts and cards; as well as options for systematizing expenses. Also, the digital bank offers savings accounts at up to 1.01%.

Features
  • No minimum opening deposit.
  • Paperless statements option.
  • Unlimited reimbursement of non-Citi ATM fees.
  • No foreign exchange fee when using Citibank Debit Card abroad.
Cons
  • Does not provide a Multi-currency account.
  • Does not issue debit cards (pre-paid).
  • High-interest rate (APR) for most credit cards of the bank is rather high, up to 26.49%.
Link
https://online.citi.com/US/ag/banking/checking-account

North One review for non-residents without SSN

Bank
North One
SSN Required?
For Residents
ITIN Required?
No
Can Apply Online?
With EIN
Summary

The NorthOne business bank account is a worthwhile option for any small business owner looking for an online business checking account. For a $10 monthly fee, NorthOne offers unlimited fee-free transactions, fee-free in-network ATM access, and a variety of digital tools.

Features
  • Unlimited fee-free transactions.
  • No NorthOne fees when you use a Mastercard Cirrus or MoneyPass ATM; ability to deposit cash through the Green Dot network.
  • Digital banking tools include unlimited Envelopes, bill pay, and expense management.
  • Integrate with business tools, including QuickBooks, Shopify, Stripe, Square, and Expensify.
  • Access customer support via in-app live chat, phone, or email with extended hours.
Cons
  • $10 monthly fee, with no options to waive.
  • You may incur ATM fees from the ATM owner-operator, even when in-network.
  • Cash deposits at Green Dot locations incur a fee of up to $4.95 per deposit.
  • Can’t send or receive international wires.
  • High fees, and low limits for cash deposits.
Link
https://get.northone.com/
Neobank?
No