Help Open a US Bank Account & Build US Credit for Non-US Residents

Our service helps non-US residents legally open a US checking account and
start building a US credit history and credit score—even without a Social Security Number (SSN).
This proven setup creates a clear pathway to American Express and
premium US credit cards.

We begin by opening a BMO US checking account, followed by a
secured (deposit) credit card that reports to US credit bureaus.
At the same time, we assist with applying for an ITIN, which is required for accessing
higher-tier US credit cards.

With responsible usage, most clients become eligible to apply for
American Express within 6–8 months, and other premium cards such as
Marriott Bonvoy Brilliant, Hilton Honors Aspire, and Capital One Venture X
after approximately 12 months.

🚀 How the Process Works

• Day 1–3: Open a BMO US checking account
• ~1 week later: Open a secured (deposit) credit card
• Month 1+: Credit history and score begin building
• Parallel: ITIN application assistance
• 6–8 months: Eligible to apply for American Express
• 12+ months: Eligible for premium US credit cards

💰 BMO Checking Account Cash Bonus (Limited-Time)

Promotion Period: September 9, 2025 – January 28, 2026

🏦 BMO Smart Advantage Checking

• $2,000 cumulative direct deposits → $300 cash bonus
• $4,000 cumulative direct deposits → $400 cash bonus
• $7,500 cumulative direct deposits → $500 cash bonus

Monthly fee is waived by maintaining a balance of $1+ and enrolling in
paperless statements.

💎 BMO Relationship Checking

• $10,000 cumulative direct deposits → $600 cash bonus

After receiving the bonus, you may downgrade the account type to waive the
$25 monthly fee, or maintain a $10,000 balance with
paperless statements to keep the fee waived.

Cash bonuses are issued by BMO and depend on meeting all promotional requirements.

📄 Information Required

• 🪪 Passport copy (all 4 corners visible)
• 📸 Photo holding your passport
• 📍 US address (we can assist if you don’t have one)
• 📧 Email address
• 📱 US phone number (we can assist if needed)

❓ Frequently Asked Questions

🌍 Who is this service for?

This service is designed for non-US residents who do not have a Social Security Number
and want to build a legitimate US banking and credit profile.

🪪 Do I need a Social Security Number (SSN)?

No. An SSN is not required. We begin with a secured credit card and assist with applying
for an ITIN.

🏦 Which bank account will be opened?

A BMO US checking account will be opened, either
Smart Advantage Checking or Relationship Checking, depending on your preference.

💳 Is approval for American Express or premium cards guaranteed?

No. Credit card approvals are not guaranteed and depend on issuer policies,
income, and credit profile. This service provides a structured and proven path to improve approval chances.

📈 When will I see a US credit score?

Most clients see a US credit score within 1–3 billing cycles after the secured
credit card begins reporting.

🔒 How does the secured credit card work?

You provide a refundable security deposit that becomes your credit limit.
Responsible usage helps build your US credit history over time.

⚖️ Is this process legal for non-US residents?

Yes. All accounts and applications are completed legally and in your own name,
in compliance with US banking and credit regulations.

🛂 Will this affect my visa or immigration status?

No. Opening a US bank account, applying for an ITIN, and building credit
do not impact visa or immigration status.