The hardest part of joining a US Credit Unions is the "eligibility" requirement. This simple hack bypasses that completely. By joining the American Consumer Council (ACC), you gain instant eligibility for dozens of major Credit Unions (like DCU, BCU, and NASA FCU). Many of these Credit Unions are ITIN-friendly, offering low APR credit cards and often high limits + options for secured loans and credit cards. How to do it for FREE: 1. Sign up: Go to americanconsumercouncil.org and choose Individual Membership. 2. Use Promo Code: Enter "consumer" at checkout to drop the $15 fee to $0. 3. The Proof: Save the membership certificate they email you. You’ll may need to upload this when applying for your new bank accounts. I have attached a list of the 25+ most popular Credit Unions in different states. Drop a comment below once you’ve got your certificate, or ask if you have any questions.

Just got approved for my first U.S. card (Capital One QuicksilverOne, unsecured, $500 limit). Appreciate the guidance from @ain-taxsym-5192 .. definitely helped make this happen.

For those who successfully opened a US personal bank account. • Which bank did you start with? • Was it in-branch or online? Trying to see what actually works in practice.

Is there a guide to try and open a BofA account online with ITIN? Thanks

Wanted to check how do I join premium?