How do I open a US bank account when I've just arrived in the country?

You can usually open a checking and savings account within your first week. Bring your passport, your visa and I-94 (entry record), proof of a U.S. address (a lease, utility bill, or employer letter), and your SSN if you have one, many big banks will open an account with just a passport and a second ID while your SSN is pending. Some banks even let new arrivals start the process before landing. Once open, set up direct deposit for your paycheck and watch for monthly maintenance fees you can waive with a minimum balance or direct deposit. Keep this account active and tied to your name, it becomes the anchor for paying bills and, later, building credit.