What documents should I bring to open my first U.S. checking account as a newcomer?

Bring your passport with visa, your I-94 arrival record, and a second form of ID if you have one, plus proof of a U.S. address such as a lease, utility bill, or an official letter. Bring your Social Security card if you already have it, or your ITIN letter; if you have neither yet, ask which banks open accounts without one. Have an initial deposit ready, since some accounts require a minimum. If your employer offers direct deposit, the account is enough to set that up. Compare monthly fees and minimum-balance requirements, and favor accounts with no maintenance fee. The FDIC's 'How to Open a Bank Account' resources at fdic.gov walk through the steps.