APPROVED: Alliant CU | Fully remote | w/ ITIN | Foreign address · Cloud Residents

APPROVED: Alliant CU | Fully remote | w/ ITIN | Foreign address

Anyone looking for a US checking / savings account should check out Alliant, the process was pretty straightforward.

I was drawn to Alliant specifically because they allowed W-8BENs at initial account opening, and you don't need to have a US address. They are explicitly NRA-friendly, so no in-person visits required either. The only catch is that you need to fill out a "paper" application instead of going through the online process.

Here's the link to the form, which you can fax, mail, or send via the chat. I did it via the chat, I just said I wanted to submit a paper application and if they could please forward it to the back office.

Documents I submitted:

Signed form (signed in wet ink and scanned)
Passport
ITIN letter
W-8BEN
Utility bill evidencing my street address as stated in the form

Timeline:

17 April – submitted documents via chat
26 April – received email stating my debit card was shipped on 23 April
27 April – called them to ask for my member number so I could setup online banking; details sent via secure email (account opening date was stated as 22 April)

So overall it was a quick and hassle free process, I'll update this post when I receive my debit card!

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