USA Guide
The first month after arrival is mostly administrative: finding housing, opening a bank account, getting a Social Security number where eligible, and setting up a phone plan. Doing these in the right order saves time.
Many newcomers start in short-term housing, a hotel, extended-stay apartment or a host family arrangement, while they view apartments in person and compare neighborhoods. US leases commonly require proof of income, a credit check and sometimes a US-based guarantor, which can be difficult without local credit history, so ask landlords about options for newcomers without US credit.
A Social Security number (SSN) is central to working, banking and building credit in the US. Work-authorized visa holders and some students can apply at a Social Security office once they have arrived and have supporting documents. Many banks will open an account with a passport, visa or I-20, and proof of address, though requirements vary by bank; an SSN is not always required immediately for a basic account.
A local phone number is useful quickly for maps, ride-hailing, banking verification and job or school communication. Prepaid plans are a flexible starting option before committing to a contract. Building US credit history takes time, so starting with a secured credit card or a starter card as soon as eligible helps with future apartment leases, car loans and larger purchases.
Common questions
Many banks allow account opening with a passport, visa documents and proof of address, even before an SSN is issued, though policies vary by bank and branch. Ask the bank directly what identification they accept for new arrivals.
Processing time varies, but it commonly takes a few weeks after applying at a Social Security office, provided your visa category is eligible and your documents are in order. Apply as soon as you are eligible, since many everyday tasks depend on it.
Landlords commonly ask for identification, proof of income or an offer letter, and sometimes a credit check or guarantor. Newcomers without US credit history can sometimes offer a larger security deposit or a guarantor letter instead.
