american bills | US bank account

US bank account

bank account-opening-americaIf you emigrate to America, live there or are there often, it's smart to open a US bank account. There are only many different banks in America. Requesting a bank account in America for foreigners is described here.




General info bank account in America bank account-open-in-America
First of all, you should know that the banks in America do something different. In any case, a lot of credit is paid in America with a credit card. Not only more expensive products, but even a cup of coffee around the corner. Your regular debit card is called debit card, and is usually also accepted if paying by credit card is the most common form.

Open bank account in America
If you want to open a bank account in America, it depends on the bank what the conditions are or whether it can open the account or not. Most American banks require you to be a resident in America and have a social security number. Other banks such as the Bank of America accept you without social security number, but you must have 2 credentials (credit card and passport, driving license does not count).

Banks in America
In America you will find hundreds of banks that are active nationwide or only in a certain state. The largest banks are Bank of America, Citibank, Wells Fargo and Goldman Sachs.

Below is a list of banks in America:

American bank account

 - Amarillo National Bank
- American Savings Bank
- Bank of America
- Bank United
- Brown Brothers Harriman
- California Credit Union League
- Central Bank
- Citibank
- DGNB
- Enterprise Financial
- Goldman Sachs
- Ml.com
- Morgan Stanley
- Rbc Centura
- Rockville Bank
- Salemfive.com
- Standard Bank Group
- Sterling Payot Company
- the Credit Union Center
- Treasury Bank
- Umb Bank
- University Federal Credit Union
- USTrust or Boston
- Wells Fargo Bank
- Wessels, Arnold & Henderson

Credit rating
In America it's all about the rating you have. If you enter as a new resident, you do not yet have a payment history and you actually have to prove that you are paying your bills properly. All emigrants are treated the same, so your origin does not play a role.

You build up a credit rating step by step. This is done by paying all bills on time. With your credit card it is wise to leave a small amount of credit open and pay it back in one go after 5 months. This way they earn money from you, and show you that you are creditworthy.

Without the right credit rating you regularly encounter a problem. If you want to subscribe to a mobile phone, you may have to pay a high deposit, and a loan could also become difficult to close.



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