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Citi bank vs TD Bank for non residents

By Rohan Smith, 15 December, 2022

Citi bank review for non-residents without SSN

By Rohan Smith, 17 November, 2022
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

TD Bank review for non-residents without SSN

By Rohan Smith, 17 November, 2022
Bank
TD Bank
SSN Required?
For Residents
ITIN Required?
No
Can Apply Online?
With SSN
Summary

TD Bank provides Simple, Convenience, and Beyond checking accounts that differ in perks, monthly fees, interest, and sign-up bonuses. TD Bank checking accounts give customers access to a large East Coast-based network of branches and ATMs. There’s either a minimum daily balance requirement or a monthly fee for checking with TD Bank’s three general options. Accounts are available in Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia, and Washington, D.C.

Features
  • Low minimum daily balance requirement—plus, great discounts.
  • No monthly maintenance fee with a $100 minimum daily balance, plus great discounts.
  • Free incoming wires and reimbursement for 1 outgoing wire (domestic or international) per statement cycle.
  • No ATM fees with a $2,500 minimum daily balance.
  • $0 Minimum opening deposit.
  • Online & Mobile Banking.
Cons
  • Monthly fee.
Link
https://www.td.com/us/en/personal-banking
Rohan A Smith profile photo

Hi I'm Rohan Smith, an internet entrepreneur who's been running online businesses and working remotely in the US from the Caribbean for over a decade.
I've learned how to operate a US incorporated business, open US bank accounts, & get credit cards without being a resident or citizen.
Read More...

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