Opening a Bank Account
It is very important to open a bank account before you start working in the United States. Many employers and sponsors require a bank account to pay your salary.
You can open an account at:
A bank, or
Both have advantages and disadvantages. Take time to research which option is best for your needs.
Before choosing a bank, think about the following questions:
Do you need access to ATMs?
Do you prefer a physical branch where you can talk to a person?
Is there a bank or credit union close to your workplace or sponsor?
Do you plan to move later? If yes, a national bank (such as Bank of America or TD Bank) may be helpful because they have branches across the U.S.
You can always change or transfer your bank account later if needed.
How to Open a Bank Account
BDV recommends making an appointment with a bank representative, preferably someone who has experience helping international customers.
Before your appointment:
Call the bank or visit their website
Ask what documents are required
Usually, you will need:
A Social Security card
A photo ID (passport or state ID)
Immigration documents, if available (such as I‑94, visa, EAD, or Green Card)
Getting Paid: Direct Deposit
Most U.S. employers (including BDV sponsors) do not pay with cash or physical checks. You will be paid using Direct Deposit.
This means your salary will be sent directly to your bank account.
After opening your account:
Ask the bank for a Direct Deposit form (with your routing number and account number)
Bring this form on your hire date or orientation
Some employers may accept:
Your routing and account numbers, or
A blank check instead of the form
Understanding Credit in the United States
What Is a Credit Score?
A credit score is usually a 3‑digit number. It shows how well a person manages money, bills, and debt.
Many organizations may check your credit score, such as:
Banks and lenders
Property managers or landlords
Utility companies
Cell phone or internet providers
Some employers
Your credit score is based on information in your credit report.
What Is a Credit Report?
A credit report shows your financial history, including:
Credit cards
Loans
Payment history
Outstanding balances
Credit applications
There are three major credit bureaus in the U.S.:
Experian
Equifax
TransUnion
You are entitled to one free credit report every year from each bureau.
What If I Have No Credit or a Low Credit Score?
If you are new to the U.S., it is normal to have:
No credit history, or
A low credit score
There is no single credit score requirement for approvals. Each organization sets its own rules depending on:
The type of service
Location
Risk level
Internal policies
Tips That Can Help in Many Situations
These tips can help when you are applying for housing, utilities, services, or financial accounts in the U.S.:
Show your Job Offer Letter provided by your Client Services Specialist.
This helps prove income and employment stability.Provide Bank Statements
A recent bank statement (from the U.S. or your home country) can show that you have funds available.Use a Co‑Signer or Guarantor
A trusted friend or family member may help support your application.Offer an Additional Deposit or Prepayment
In some cases, offering a higher deposit or paying more upfront can reduce risk for the provider.Provide References
References from a former landlord, employer, or trusted contact can show reliability and responsibility.Be Honest
Do not try to hide your credit history. Most organizations will check it anyway.Explain Your Situation Clearly
Let them know if you are new to the U.S., recently arrived, or were previously a student without income. Many organizations are willing to work with new residents when they understand the context.