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Wells Fargo vs Chase for non residents

By Rohan Smith, 15 December, 2022

Wells Fargo review for non-residents without SSN

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

Wells Fargo offers a large network of branches, many ATMs, and a variety of financial products. Monthly fees on basic bank accounts can be easily waived, but savings rates tend to be low. If you have a high enough balance across eligible accounts, you could receive upgrades on interest rates (but they’re still lower than the national average). Wells Fargo may be a good fit if you’re looking for a large network of branches and ATM access is important to you.

Features
  • Account: Everyday Checking.
  • US residence required: Yes (though not necessarily primary residence).
  • SSN/ITIN required: Only for US citizens.
  • No minimum daily balance required - Outgoing int'l wire cost: $30 plus an additional 4%-10% (depending on the currency)
Cons
  • Yields on certificates of deposit and savings accounts are low, like many big banks.

  • There is an out-of-network ATM fee of $2.50 for checking account customers.

  • The money market account has a steeper monthly fee if a specified balance isn’t maintained.

  • Wells Fargo still charges a $35 fee for over-drafting your account on most of its checking accounts.

Link
https://www.wellsfargo.com/checking/everyday/

Chase review for non-residents without SSN

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

Chase Business Complete Checking is a digital-friendly account from a traditional bank — ideal for small-business owners who want branch access.

Features
  • No overdraft fees, spend only what you have.
  • No fees on money orders or cashier’s checks.
  • No fees when you cash checks, send money using Zelle, or use a Chase ATM.
  • No fees to pay bills with Chase Online SM Bill Pay.
  • No minimum deposit to get started.
Cons
  • $4.95 Monthly Service Fee.
Link
https://personal.chase.com/personal/secure-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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