🇺🇸Move to the United StatesChecklist

Ensure You Have a Checking Account and Debit Card Before Arriving

Moving to the United States is a big step, and having a U.S. bank account ready when you arrive can make the transition much smoother. UniFi offers a straightforward way to open a checking account* with numerous benefits, making it an ideal choice for your financial needs in the U.S.

Why Open a UniFi Account?

  • UniFi's Comprehensive Features: UniFi is a financial platform designed to cater to the needs of newcomers and residents alike. With UniFi, you get:
    • Multiple personal checking accounts.
    • Easy-to-use online banking services.
    • Physical and virtual debit cards compatible with Apple Pay and Google Pay.
    • No hidden fees and no minimum balance requirements.

Preparing to Open Your UniFi Account

To open a bank account in the U.S., you typically need a Social Security Number (SSN). However, UniFi understands that many new arrivals may not have an SSN. That’s why we, via our partner bank, offer the option to open your account using an Individual Taxpayer Identification Number (ITIN) instead.

Getting an ITIN

If you don’t already have an ITIN, don’t worry—UniFi can help guide you through the process of obtaining one. The ITIN serves as a tax processing number issued by the Internal Revenue Service (IRS), allowing you to comply with U.S. tax laws even if you are not eligible for a Social Security number.

  1. Contact Us: Send an email to [email protected]. Let us know you're interested in opening a UniFi account and need help obtaining an ITIN.
  2. Documentation: We’ll provide you with a list of the documents you need to gather for the ITIN application, such as a valid passport or other national identification documents.
  3. Application Process: We'll guide you through completing the Form W-7, which is necessary for the ITIN application.
  4. Submission: Once everything is in order, we'll help you submit your application to the IRS.

Benefits of Having a UniFi Account Ready When You Arrive

Having your U.S. bank account set up before you step foot in the country can be incredibly beneficial. It simplifies everything from renting an apartment to setting up utilities, receiving payments from employers, and making everyday purchases. Plus, with UniFi's robust mobile banking options, you can start managing your finances right from your phone as soon as you land.

In conclusion, don't wait until you arrive in the U.S. to start thinking about your banking needs. With UniFi, you can have everything set up and ready to go, ensuring a smooth start to your new life in the United States. For more details or to start the process, visit unifi.co today.


* UniFi is a financial technology company, not a bank. Banking services are provided by Midland States Bank, Member FDIC. Please note that FDIC insurance coverage is per bank and the Bank may support multiple financial technology companies, which may affect your insurance coverage.

The Unifi Mastercard® Debit Card is issued by Midland States Bank pursuant to a license from Mastercard International Incorporated and may be used anywhere Mastercard® is accepted. For more information, please read your Account Agreement.

UniFi spend cards are issued by Patriot Bank, N.A., pursuant to a license from Mastercard®, and are not eligible for FDIC-insurance.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard® International Incorporated.

Remittance transfer services are provided through Instarem. Patriot Bank, N.A., and Midland States Bank do not endorse and are not affiliated in any way with this offer, products, or services.

The Unifi Mastercard® Debit Card is issued by Midland States Bank pursuant to a license from Mastercard International Incorporated and may be used anywhere Mastercard® is accepted. For more information, please read your Account Agreement.

© 2024 Alio Financial, Inc. DBA UniFi, All rights reserved.