Does opening a basic bank account in the U.S always involve a credit check?

Question

Even if the person opening it has no credit history in the USA (ie temporary resident from the UK) and does not require any credit facilities.

Answer 1

No. All you really need is ID, doesn't matter that you're not a citizen either.

Answer 2

There should be absolutely no credit checks if you are opening a basic checking account without requiring such services as overdraft protection or other credit-linked services. However, lack of credit worthiness or credit history may result in having to pay a small fee as you build a relationship with your bank. For example, when I first opened an account with a local bank, I had to pay a $3 / month fee to have an account with them, and after six months, my account was upgraded. You will however need to provide identification such as a passport per the requirements of the USA Patriot Act.

To be sure, you should consult your local banker about their credit reporting / credit checking policies. Most bankers are more than happy to explain all the terms to you.

Answer 3

You will have to provide some form of id and you will be checked through multiple databases. You can thank the terrorists and our political officials for all the regulations (i.e. Patriot Act!). Since you are not a US citizen you may want to check with your embassy to see if there are any financial institutions they recommend.

Answer 4

it depends on the bank and the type of account. for the most part any major bank will run your credit when applying for a checking account but not for just a savings account.

Answer 5

I have heard of it but when i opened my bank account i didnt even need ID wich i thought was weird

Answer 6

Not always it depends on the bank you go to. They do require ID though.

Answer 7

Yes, I think most, if not all banks are doing this now.