This page compares 10 accounts available in United States, listing minimum deposit, monthly fee, how to apply and non-resident eligibility one by one: 7 can be opened fully online, 1 explicitly accept non-residents, 6 have no minimum deposit. Click any account for the full document checklist, pros and cons and common rejection reasons.
Data updated 2026-10-01 · compiled from published bank terms
| Account | Region | Type | Minimum deposit | Monthly fee | How to apply | Non-residents | Rating |
|---|---|---|---|---|---|---|---|
| Mercury | United States | Digital Bank | 无最低存款要求 | 免月费 | Online | Conditional | ★ 4.4 |
| Chime | United States | Digital Bank | 无最低开户存款要求 | 零月费、零管理费 | Online | Not for non-residents | ★ 4.3 |
| SoFi | United States | Digital Bank | 无最低存款要求（可 0 开） | 零管理费 | Online | Not for non-residents | ★ 4.3 |
| Ally Bank | United States | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.2 |
| East West Bank | United States | Traditional Bank | 通常要求首存 1,500 美元起（部分账户更低） | 约 0–15 美元/月 | Remote or in person | Non-residents OK | ★ 4.1 |
| Varo Bank | United States | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 4.1 |
| Bank of America | United States | Traditional Bank | 开户后需存入 25 美元激活 | 约 0–12 美元/月 | Must visit | Conditional | ★ 4 |
| Axos Bank | United States | Digital Bank | 部分账户有最低起存（约 $50–$250） | 多数零月费（满足条件） | Online | Not for non-residents | ★ 4 |
| Current | United States | Digital Bank | 无最低存款要求 | 基础零月费（部分功能订阅） | Online | Not for non-residents | ★ 3.9 |
| Chase Bank | United States | Traditional Bank | 开户后需存入 25 美元激活 | 约 0–12 美元/月 | Must visit | Conditional | ★ 3.8 |
1 of the 10 accounts on this page explicitly accept non-residents (East West Bank). "Accepts applications" does not mean guaranteed approval — banks still assess your ID, proof of address and source of funds. Without local residence or a tax number, prefer accounts marked as remotely openable.
Not necessarily. 7 of the 10 accounts can be opened fully online (Chime, Mercury, Varo Bank), with no branch visit; the remaining 3 still require a branch visit or an appointment. Online opening depends on whether your documents pass automated checks.
Minimums vary widely — see the "Minimum deposit" column. 6 account(s) have no minimum deposit, so you need not fund on day one. Also watch the minimum balance and monthly fee; dormant accounts can incur charges.
It depends on the account: online accounts are usually approved within minutes to a few working days, while branch or manually reviewed accounts typically take 1 to 3 weeks. The "How to apply" column shows the channel for each account, and timings are on the individual pages.