How to Open a Bank Account Without a Government ID

You can open a bank account without a government ID, but the path depends on what ID you do have

Banks are required by federal law to verify who you are before opening an account. This is called Know Your Customer (KYC) compliance, and it exists to prevent fraud and money laundering. The catch: "verify who you are" does not always mean a driver's license or passport. If you do not have government-issued photo ID, you have other routes — they take longer and require more paperwork, but they work.

The fastest option is usually a bank that accepts alternative identification documents: a state ID card (which is different from a driver's license and does not require a driving test), a tribal ID, a passport card, or even a combination of non-photo documents like a utility bill plus a Social Security card plus a birth certificate. Some banks will also accept an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number, which matters if you are not a U.S. citizen.

If you have none of those, a few banks and credit unions will open an account using a combination of documents that proves your identity and address — typically a utility bill, lease, or bank statement paired with a birth certificate or Social Security card. This process is slower because the bank has to do more manual verification, but it is possible.

Key Takeaways

A state ID card (not a driver's license) is the easiest non-driver alternative and takes about two weeks to get from your state's DMV.
Some banks accept combinations of documents like a utility bill plus a birth certificate or Social Security card instead of a single photo ID.
Credit unions are often more flexible than large banks about alternative documents, especially if you are a member of the community they serve.
If you are not a U.S. citizen, an ITIN (Individual Taxpayer Identification Number) can replace a Social Security number for account opening at some institutions.
Online banks typically require a government ID, so in-person banking at a local branch gives you more options.

Getting a state ID card as your primary document

A state ID card is a government-issued photo ID that proves your identity but does not require you to have a driver's license or pass a driving test. Most states issue them through the same office that handles driver's licenses — usually called the Department of Motor Vehicles (DMV), though some states call it the Secretary of State or Registry of Motor Vehicles.

To get a state ID card, you will need to visit in person with documents that prove your identity and address. The exact list varies by state, but typically includes a birth certificate, Social Security card, and proof of address (a utility bill, lease, or bank statement). The fee ranges from about $15 to $35 depending on your state, and processing takes one to three weeks. Once you have it, nearly every bank will accept it to open an account.

If you are homeless or do not have a lease or utility bill, many states allow you to use a letter from a shelter, a social services agency, or even a trusted person who can vouch for your address. Call your state's DMV before you go to confirm what counts as proof of address in your situation.

Banks and credit unions that accept alternative documents

Some banks have formal programs for people without standard photo ID. Chime, for example, accepts a state ID card, tribal ID, or passport card. Varo accepts an ITIN. Capital One 360 accepts a combination of documents including a utility bill plus a birth certificate. However, these policies change, and not every branch of a large bank follows the same rules — a teller at one location may accept something that another location refuses.

Your best move is to call the bank's customer service line and ask directly: "I do not have a driver's license or passport. What documents will you accept to open an account?" Write down the name of the person you spoke to and the date. If you go to a branch and they refuse, you can reference that conversation.

Credit unions are often more flexible than national banks because they are member-owned and may have more discretion. If you belong to a credit union through your employer, school, or community, call them first. If not, you can search for credit unions in your area using the CO-OP Network or Alliant Credit Union's locator tool. Many will open an account with a combination of documents even if a national bank will not.

Using an ITIN if you do not have a Social Security number

An Individual Taxpayer Identification Number (ITIN) is a nine-digit number issued by the IRS to people who are not may be able to access for a Social Security number but need to file taxes or open a bank account. If you are not a U.S. citizen and do not have a Social Security number, an ITIN can replace it for banking purposes at some institutions.

To get an ITIN, you file Form W-7 with the IRS along with proof of identity and residency. You can file by mail or in person at an IRS office or an authorized acceptance agent (usually a tax preparation service or nonprofit). Processing takes about two to four weeks by mail. Once you have your ITIN, banks like Varo, some credit unions, and some community banks will accept it instead of a Social Security number.

Not every bank accepts an ITIN — many still require a Social Security number. Call ahead and ask whether the bank accepts ITIN before you go in.

What to bring when you have no photo ID

Banks vary in what they will accept, but here is what to bring to maximize your chances: your birth certificate (original or certified copy), Social Security card, proof of address (a recent utility bill, lease, or bank statement in your name), and any other ID you have — a school ID, work ID, library card, or passport card. Bring originals or certified copies, not photocopies, unless the bank tells you otherwise.

If you do not have all of these, bring what you do have and ask the bank what else they need. Some will accept a combination you would not expect — for example, a utility bill plus a library card plus a birth certificate. Others will refuse and refer you to a different branch or institution. If you are turned down, ask for the reason in writing and try a credit union or a different bank.

Opening an account in person versus online

Online banks almost always require a government-issued photo ID because they cannot verify you in person. If you do not have one, you will need to open an account at a physical branch. This is actually an advantage: a teller can see you, ask questions, and use judgment about alternative documents. An online system cannot.

Go to a branch during a quiet time — mid-morning on a weekday is usually best — and ask to speak to a new accounts representative. Explain your situation upfront: "I do not have a driver's license or passport, but I have [list what you do have]. Can you help me open an account?" This gives them a chance to say yes or no before you fill out forms, and it shows you are being straightforward.

What happens after you open the account

Once your account is open, the bank may ask you to provide a government ID within a certain period — often 30 to 90 days. This is called completing your verification. If you are working on getting a state ID card, let the bank know your timeline. Most will give you an extension if you can show you have applied for one.

If you never get a government ID, some banks will close the account or restrict what you can do with it. Others will keep it open as long as you use it regularly and do not raise red flags. It depends on the bank's policy and how strict they are about federal compliance. Ask about this when you open the account so you know what to expect.

Frequently Asked Questions

Can I use a passport card instead of a driver's license?

Yes. A passport card is a government-issued photo ID and most banks accept it the same way they accept a driver's license. If you already have a passport card, bring it to the bank — you do not need anything else.

What if I am homeless and do not have a utility bill or lease?

Many banks will accept a letter from a shelter, homeless services agency, or even a trusted person (like a social worker or counselor) confirming your address. Call the bank first and ask what counts as proof of address in your situation. Some credit unions are more flexible about this than national banks.

How long does it take to get a state ID card?

Processing time varies by state, but typically takes one to three weeks. Some states offer expedited service for an extra fee. Once you have it, you can open a bank account when ready — most banks accept state ID cards without hesitation.

Will the bank close my account if I do not get a government ID within 90 days?

It depends on the bank's policy. Some will close it or restrict it; others will keep it open if you use it regularly. Ask about this when you open the account so you know what to expect and can plan accordingly.

Can I use a work ID or school ID to open a bank account?

Most banks will not accept a work or school ID as your primary document because they are not government-issued. However, you can bring them along with other documents like a birth certificate and utility bill to strengthen your process and show you are who you say you are.

This guide is for general information only and is not medical, financial, legal, or other professional advice. For decisions specific to your situation, consult a qualified professional. See our Editorial Policy.