I am a Non-Resident Alien (NRA) currently holding accounts with IBKR and Charles Schwab; I have submitted Form W-8 and received Form 1042-S. I plan to use an ITIN to open a bank account, but since almost all banks require a U.S. address, I intend to use a service like Anytime Mailbox to address this. Does this mean the bank will view me as a resident rather than an NRA? Will the tax forms I receive for income—such as bank interest—be the same as those issued to U.S. residents? Does this result in me having a "dual" tax status with the IRS? Wouldn't this be illegal?

Went to Manhattan Midtown DMV for the Standard Non-Driver ID. Was really smooth. Made an appointment a month before and already filled out the application online. When I went there my appointment barcode was scanned and I got a number. First I was called for taking the picture, second to go to the "real" counter. I had to give the application, the passport, I-94 admission number and my drivers license or two credit cards. After half an hour I was out of the building with an Interim Document in my hands. It really was as easy as it reads.

If you struggle opening account with equifax.com or creditkarma for your equifax report & score. Here's an alternative that works - https://www.creditship.ai Got an email invite from firstcard to try it out and works with ITIN. With Creditship.ai, you can: - Get Free Equifax credit monitoring - Receive daily credit alerts and updates - Find the best credit cards or loans for bad credit - Ask AI Creditship anything, anytime

Most people are looking at business funding the wrong way. They obsess over the business credit score, the aged LLC, or some shortcut they saw online. But lenders are not just looking at a score. They are looking at whether your profile makes sense, whether your information is verifiable, and whether your credit history supports the amount you are asking for. Here are the five things that matter more than hype: 1. Personal credit still matters For almost all small business funding, your personal credit profile is still one of the biggest factors. If your personal file is thin, messy, or built mostly on shortcuts, secured tradelines, that can limit what banks are willing to approve. 2. Aged LLC is not magic Buying an aged corporation does not automatically make you fundable. In 2026, lenders care about verification, consistency, activity, banking relationship, revenue signals, and existing credit quality. If the business cannot be verified properly, the age alone does not save it. For most people, starting a clean LLC and building it correctly is better than paying hundreds for an aged entity that adds no real lending strength. 3. Authorized user history is not enough If your credit file is mostly authorized user accounts, lenders can see that. It may help with a score boost in some cases, but it does not prove you personally managed credit at a high level. Banks want to see your own primary accounts, your own positive payment history, and your own credit usage behavior. 4. Your public data has to match This is where many people get stuck without realizing it. Your name, address, business details, phone number, and public records need to be accurate and congruent across systems. LexisNexis, Dun & Bradstreet and other verification databases matter because banks use third-party data to confirm identity and business legitimacy. If your information is inconsistent, outdated, or hard to verify, the application can get slowed down, flagged, or denied.

Hey I was wondering if anyone had suggestions for banks with products worth considering apart from the usual trio of Amex, Cap1, and Chase?