Can I open a U.S. bank account before I get my Social Security number?

Yes. Federal banking rules require banks to verify your identity, but they don't require a Social Security number to open an account. Newcomers can typically open a checking or savings account with a passport, visa, proof of U.S. address, and sometimes an ITIN or a secondary ID. Many large banks and newcomer-focused fintechs advertise no-SSN account opening. You may be asked to provide the SSN later once you receive it, mainly so the bank can report interest income. Opening an account early gives you a place for your paycheck, builds a banking relationship, and can help you qualify for that bank's newcomer credit card. The FDIC has account-opening guidance at fdic.gov.