r/ITIN

Sooo. I applied for the ITIN in August, for a rejection 8 weeks later and now have to send my passport with the W7 form.

I’m nervous abt sending the passport because we are 2 months away frm international travel plans plus I have ill family members that I may have to go to if there’s an emergency.

Any idea how long the passport takes to come? I have to ship it to Texas.

Thanks!

I'm eyeing out for the Bank of America, Air France KLM Visa Signature® Credit Card.

Not a customer with them yet, I do have the Amex US, Chase IHG, Ink Business, Capital One Venture X so far.

What's the best way to get a Bank of America card?

Open a chequing account in person and then apply for cards online?

Got my ITIN approved over a week ago and also got approved for a cp1 secured card. Going to the deposit details, I need US banking credentials to pay the deposit.

Did anyone else also encounter this and how did you go about it?

Thanks in advance.

Hi everyone,
I’m a non-US resident and I’m hoping to hear from people who have actually been in a similar situation, especially those who opened a business account with Chase.
I formed my single-member LLC in Wyoming in April 2026. I have:

EIN letter
ITIN
U.S. residential address in Miami that I can legitimately use
U.S. phone number

I’ve also already started building my personal U.S. credit history. I currently have two personal U.S. credit cards that I received a couple of months ago.

I’ll be traveling to Miami in February and plan to visit physical bank branches. My goal is to open a Chase business checking account for my LLC, and I would also like to open personal/business accounts with other banks such as Capital One if possible.

My LLC is an e-commerce business, so I don’t actually operate from a physical office in the U.S. The company is registered in Wyoming, while I have access to a legitimate residential address in Miami.
My main question is about the business address requirement at Chase.
When I go to a Chase branch, can I use my Miami residential address as the physical/business address for my LLC even though the LLC is registered in Wyoming and the business is e-commerce?

Or will Chase require a separate commercial/business address and proof such as a lease, utility bill, office agreement, etc.?
I’m currently considering renting a real office/virtual office address in Miami that can provide an agreement or lease in the LLC’s name. However, I don’t want to spend $100–150/month on an address if Chase will simply accept the residential address that I already legitimately have access to.
For anyone who is a non-US resident with a Wyoming LLC and ITIN and has opened a Chase business account in person:
What address did you use?
Did Chase ask you for proof of the LLC’s physical/business address?
Did they accept a residential address?
What exact documents did you have to show at the branch?
And if you used a commercial/office address, what type of proof did Chase accept?
I’m not looking for a way around KYC requirements. I want to set everything up correctly before I travel to the U.S. and make sure I bring all the documents Chase might ask for.
Would really appreciate hearing from anyone who has actually gone through this recently.

Hey!

I got my ITIN in April this year, and I have gotten credit cards with Amex and Capital One using my ITIN. Near end of June, I applied for the CSP and got declined because of identity verification issues. They told me that I should go into branch and do my next application.

I went into the branch yesterday and applied for the Freedom Flex, the application went under review, I got an email today asking to confirm my ITIN, I filled out the docusign form and gave Chase a call. They said it had been declined, and transferred me to the verification department.

There I was told to verify my ITIN again, the rep took 10 minutes to confirm everything else was fine and checked application again, and he said it was declined again and asked me to upload my ITIN letter, and a document confirming my name and dob, for which I uploaded my Canadian passport. He still thinks there's a chance I might get denied, since I had to upload these docs last time for the CSP as well.

I am so confused why this is happening. I checked my equifax account and everything seems fine, my capital one and amex cards show up there without any issues and I have a 757 score as well. Any ideas how to resolve this?

Sorry for the long post and TIA!