No SSN. No credit history.
No catch.
Just a government ID and ten minutes on your phone. Built for the person who just landed — and the one who's been here two years but never had a real account.
Can I open a bank account without a Social Security Number?
Yes. Arrive was built specifically so you don't need one. Most U.S. banks require a Social Security Number because it's the easiest way to run a credit check. We skip the credit check entirely.
Instead, we verify your identity with the documents you already have — the same ones that got you across the border or into the country.
By the numbers
"I tried four banks before Arrive. They all said no when they heard I didn't have a Social. This took ten minutes."
Marisol Gutiérrez
Arrived from Medellín, Colombia · 8 months ago
What ID do I need? Will my passport from home work?
We accept six types of government-issued ID. If you have any one of these, you can open an account today.
"Will this work if I'm on a tourist visa?"
Yes. Tourist and visitor visa holders are eligible. We'll ask you a few extra questions during the application, and most are approved within one business day.
How do I send money back to Bogotá, Mexico City, or Manila?
Arrive is a full checking account — not a prepaid card. That means real international transfers with real exchange rates, not the 8% fee that wire services charge at the corner store.
Send to 80+ countries
Wire to Bogotá, Mexico City, Manila, Lagos — anywhere family waits.
Rate lock on transfers
See the exact peso or peso amount your family receives before you confirm.
No hidden fees
One flat $2 fee per international transfer. That's it.
Arrives in hours
Most transfers land within 4 hours — not 3 business days.
"My gig income goes straight to my Arrive account now. I can cash checks from my phone and send money home the same day."
Kwame Asante-Boateng
Delivery driver, Atlanta · Arrived from Accra
Not a stripped-down card for people with no options.
A full account that removed the wrong barriers.
Direct deposit. Mobile check cashing. Debit card accepted everywhere Visa is. Overdraft protection. Savings goals. Everything a Chase customer has — without the Chase paperwork.
Direct Deposit
Mobile Check Cash
Visa Debit Card
Overdraft Protection
Do I qualify?
Five questions. Instant answer. No email required to see your result.
What ID document do you have?
We accept documents most banks won't.
"My daughter's school needed a bank account to process lunch payments. Arrive was the only place that didn't make me feel like a problem."
Linh Trần
Parent, San Jose · Vietnamese community advocate
Ready when you are
Your account is waiting. It always was.
No credit check · No SSN · No commitment until you choose to open