[
 {
  "id": "amerant",
  "section": "insured",
  "name": "Amerant Bank, N.A.",
  "city": "Coral Gables",
  "state": "FL",
  "fdic_cert": 22953,
  "fdic_insured": "yes",
  "ncua_charter": "",
  "charter": "N",
  "charter_label": "National bank (OCC)",
  "accepts_group": "all_nonresidents",
  "accepts": "International customers, with a separate international CD product",
  "field_of_membership": "",
  "open_from_abroad": "banker",
  "opening": "Phone or branch (international CD is not offered online)",
  "minimums": "International CD $10,000; terms 3 to 60 months",
  "rate_published": "No (domestic CD rates are published but limited to US citizens and resident aliens)",
  "eligibility_quote": "the Bank is obligated to withhold taxes on U.S. interest to foreign customers unless it has received a properly completed Substitute Form W-8BEN",
  "eligibility_url": "https://www.amerantbank.com/products/international/personal/international-savings/certificates-of-deposits-intl/",
  "date_checked": "2026-09-24",
  "notes": "The page also states the minimum opening deposit is $10,000 and a $250,000 limit per account."
 },
 {
  "id": "banesco",
  "section": "insured",
  "name": "Banesco USA",
  "city": "Miami",
  "state": "FL",
  "fdic_cert": 57815,
  "fdic_insured": "yes",
  "ncua_charter": "",
  "charter": "NM",
  "charter_label": "State bank, not a Fed member (FDIC supervised)",
  "accepts_group": "all_nonresidents",
  "accepts": "International clients (BanescoSelect)",
  "field_of_membership": "",
  "open_from_abroad": "banker",
  "opening": "Relationship manager",
  "minimums": "International CD $1,000 opening balance",
  "rate_published": "No (the published CD special is limited to US citizens and resident aliens)",
  "eligibility_quote": "We specialize in servicing international clients with U.S. needs.",
  "eligibility_url": "https://banescousa.com/select/international/",
  "date_checked": "2026-09-24",
  "notes": "International CD listed at https://banescousa.com/personal/deposits/int/ with a $1,000 minimum opening balance."
 },
 {
  "id": "ocean",
  "section": "insured",
  "name": "Ocean Bank",
  "city": "Miami",
  "state": "FL",
  "fdic_cert": 24156,
  "fdic_insured": "yes",
  "ncua_charter": "",
  "charter": "NM",
  "charter_label": "State bank, not a Fed member (FDIC supervised)",
  "accepts_group": "all_nonresidents",
  "accepts": "International personal clients with a foreign passport or cedula",
  "field_of_membership": "",
  "open_from_abroad": "branch",
  "opening": "In person at a branch",
  "minimums": "International Personal CD $2,500",
  "rate_published": "No",
  "eligibility_quote": "International Personal Certificate of Deposit (CD) Put money away for the long term. Visit a branch to open",
  "eligibility_url": "https://www.oceanbank.com/international-banking/international-banking/checking-savings-accounts.html",
  "date_checked": "2026-09-24",
  "notes": "The same page lists as required documents a foreign passport, cedula or other government-issued photo ID, proof of address, and a written bank reference or three months of statements."
 },
 {
  "id": "pnb",
  "section": "insured",
  "name": "Pacific National Bank",
  "city": "Miami",
  "state": "FL",
  "fdic_cert": 26299,
  "fdic_insured": "yes",
  "ncua_charter": "",
  "charter": "N",
  "charter_label": "National bank (OCC)",
  "accepts_group": "all_nonresidents",
  "accepts": "International customers",
  "field_of_membership": "",
  "open_from_abroad": "banker",
  "opening": "Contact a bank representative",
  "minimums": "CD $10,000",
  "rate_published": "No (published online specials are for domestic accounts)",
  "eligibility_quote": "At Pacific National Bank, we welcome international customers and offer them full-service checking and savings accounts.",
  "eligibility_url": "https://www.pnb.com/international/personal-accounts",
  "date_checked": "2026-09-24",
  "notes": "The same page lists Certificates of Deposit with a minimum deposit of $10,000."
 },
 {
  "id": "bbamericas",
  "section": "insured",
  "name": "Banco do Brasil Americas",
  "city": "Miami",
  "state": "FL",
  "fdic_cert": 26725,
  "fdic_insured": "yes",
  "ncua_charter": "",
  "charter": "NM",
  "charter_label": "State bank, not a Fed member (FDIC supervised)",
  "accepts_group": "all_nonresidents",
  "accepts": "Non-US citizens who are not US permanent residents",
  "field_of_membership": "",
  "open_from_abroad": "remote",
  "opening": "Online for Banco do Brasil S.A. clients; in person at a branch for others",
  "minimums": "Not stated on the page",
  "rate_published": "Yes, on its rates page (check the date shown there)",
  "eligibility_quote": "Non-U.S. Citizens or Non-U.S. Permanent Residents I have an account at Banco do Brasil S.A. Open Your Account I have account in other banks Visit A BBA Branch",
  "eligibility_url": "https://www.bbamericas.com/en/open-an-account/",
  "date_checked": "2026-09-24",
  "notes": "Savings, money market and CDs are listed in the site section for non-US citizens and non-permanent residents."
 },
 {
  "id": "ifb",
  "section": "insured",
  "name": "International Finance Bank",
  "city": "Miami",
  "state": "FL",
  "fdic_cert": 24823,
  "fdic_insured": "yes",
  "ncua_charter": "",
  "charter": "NM",
  "charter_label": "State bank, not a Fed member (FDIC supervised)",
  "accepts_group": "all_nonresidents",
  "accepts": "International clients who are not US residents",
  "field_of_membership": "",
  "open_from_abroad": "banker",
  "opening": "Preferred banker by phone or email",
  "minimums": "Not stated on the page",
  "rate_published": "No (CDs are not advertised on the page)",
  "eligibility_quote": "Do you offer accounts for intenational clients who are not residents in the U.S.? Yes, we specialize in accounts for non-residents.",
  "eligibility_url": "https://www.ifbbank.com/international/",
  "date_checked": "2026-09-24",
  "notes": "Documents listed are a passport, proof of residence in the home country, and a home-country taxpayer number. The misspelling is in the bank's text."
 },
 {
  "id": "helm",
  "section": "insured",
  "name": "Helm Bank USA",
  "city": "Miami",
  "state": "FL",
  "fdic_cert": 32718,
  "fdic_insured": "yes",
  "ncua_charter": "",
  "charter": "NM",
  "charter_label": "State bank, not a Fed member (FDIC supervised)",
  "accepts_group": "all_nonresidents",
  "accepts": "International individuals and organizations (the page does not use the word nonresident)",
  "field_of_membership": "",
  "open_from_abroad": "banker",
  "opening": "Relationship manager",
  "minimums": "CD $10,000 (terms 30 days to 60 months); HelmFlex 12-month CD $100,000",
  "rate_published": "No",
  "eligibility_quote": "Our business model offers multiple financial products and services to our customers from over 60 countries in South & Central America, Europe, Asia & Middle East, North America and the Caribbean.",
  "eligibility_url": "https://www.helmbankusa.com/who-we-serve/who-we-serve",
  "date_checked": "2026-09-24",
  "notes": "CD minimums from https://www.helmbankusa.com/personal/deposits. A sale of the bank to Banco de Credito del Peru was reported as pending in 2026; recheck the owner."
 },
 {
  "id": "natbank",
  "section": "insured",
  "name": "Natbank, N.A.",
  "city": "Hollywood",
  "state": "FL",
  "fdic_cert": 33959,
  "fdic_insured": "yes",
  "ncua_charter": "",
  "charter": "N",
  "charter_label": "National bank (OCC)",
  "accepts_group": "canada_residents",
  "accepts": "Customers identified at a National Bank of Canada branch",
  "field_of_membership": "",
  "open_from_abroad": "remote",
  "opening": "Remote, after identification at a National Bank of Canada branch; e-signature",
  "minimums": "Not stated on the page",
  "rate_published": "No",
  "eligibility_quote": "You want to open an account in Florida? All you have to do is identify yourself at one of the branches of the National Bank of Canada.",
  "eligibility_url": "https://www.nbc.ca/en/natbank/personal.html",
  "date_checked": "2026-09-24",
  "notes": "Subsidiary of National Bank of Canada."
 },
 {
  "id": "desjardins",
  "section": "insured",
  "name": "Desjardins Bank, N.A.",
  "city": "Hallandale",
  "state": "FL",
  "fdic_cert": 33565,
  "fdic_insured": "yes",
  "ncua_charter": "",
  "charter": "N",
  "charter_label": "National bank (OCC)",
  "accepts_group": "canada_residents",
  "accepts": "Canadians, online for caisse Desjardins members",
  "field_of_membership": "",
  "open_from_abroad": "remote",
  "opening": "Online for caisse Desjardins members and existing customers; branch otherwise",
  "minimums": "Not stated on the page",
  "rate_published": "Yes, as a PDF rate sheet (check the effective date)",
  "eligibility_quote": "If you are already a member of caisse Desjardins or a customer of Desjardins Bank, you can open an account online within 15 minutes.",
  "eligibility_url": "https://www.desjardinsbank.com/en.html",
  "date_checked": "2026-09-24",
  "notes": "The page is titled Cross-border banking for Canadians in Florida."
 },
 {
  "id": "idb",
  "section": "insured",
  "name": "Israel Discount Bank of New York",
  "city": "New York",
  "state": "NY",
  "fdic_cert": 19977,
  "fdic_insured": "yes",
  "ncua_charter": "",
  "charter": "NM",
  "charter_label": "State bank, not a Fed member (FDIC supervised)",
  "accepts_group": "all_nonresidents",
  "accepts": "International customers certifying foreign status on Form W-8BEN",
  "field_of_membership": "",
  "open_from_abroad": "banker",
  "opening": "Not stated in the agreement; contact the bank",
  "minimums": "Not stated in the agreement",
  "rate_published": "No",
  "eligibility_quote": "If you are an International Customer, your signatures (including on the IRS Forms W-8BEN or W-8BEN-E) certify to us that you are neither a citizen nor resident of the United States.",
  "eligibility_url": "https://www.idbny.com/-/media/Feature/Media/Documents/DEPOSIT-ACCOUNT-AGREEMENT.pdf",
  "date_checked": "2026-09-24",
  "notes": "The quote is from the bank's Deposit Account Agreement, which has sections for international customers only."
 },
 {
  "id": "rbc",
  "section": "insured",
  "name": "RBC Bank (Georgia), N.A.",
  "city": "Atlanta",
  "state": "GA",
  "fdic_cert": 26342,
  "fdic_insured": "yes",
  "ncua_charter": "",
  "charter": "N",
  "charter_label": "National bank (OCC)",
  "accepts_group": "canada_residents",
  "accepts": "People living in Canada or the US",
  "field_of_membership": "",
  "open_from_abroad": "remote",
  "opening": "Online with a Canadian SIN and ID",
  "minimums": "Not stated on the page",
  "rate_published": "Yes, but the page fills in today's date automatically, so the rate carries no real date",
  "eligibility_quote": "To open an RBC Bank U.S. account, you don't need to be a resident of the U.S., a U.S. address or Social Security number. You simply need to be 18 years or older and live in Canada or the U.S.",
  "eligibility_url": "https://www.rbcbank.com/cross-border/us-bank-accounts.html",
  "date_checked": "2026-09-24",
  "notes": ""
 },
 {
  "id": "cibc",
  "section": "insured",
  "name": "CIBC Bank USA",
  "city": "Chicago",
  "state": "IL",
  "fdic_cert": 33306,
  "fdic_insured": "yes",
  "ncua_charter": "",
  "charter": "SM",
  "charter_label": "State bank, Fed member",
  "accepts_group": "canada_residents",
  "accepts": "Canadian or US residents with a CIBC (Canada) account",
  "field_of_membership": "",
  "open_from_abroad": "remote",
  "opening": "Smart Account online through CIBC Online Banking; CDs at a branch",
  "minimums": "Not stated on the page",
  "rate_published": "Yes, a branch special (check the date shown)",
  "eligibility_quote": "Confirm you are at least 18 years old and a Canadian or US resident",
  "eligibility_url": "https://us.cibc.com/en/personal/checking/smart-account.html",
  "date_checked": "2026-09-24",
  "notes": "The quote is for the Smart Account (checking). The CD page directs applicants to a branch."
 },
 {
  "id": "td",
  "section": "insured",
  "name": "TD Bank, N.A.",
  "city": "Wilmington",
  "state": "DE",
  "fdic_cert": 18409,
  "fdic_insured": "yes",
  "ncua_charter": "",
  "charter": "N",
  "charter_label": "National bank (OCC)",
  "accepts_group": "canada_residents",
  "accepts": "Canadians",
  "field_of_membership": "",
  "open_from_abroad": "branch",
  "opening": "In person at a TD Bank branch in the US",
  "minimums": "Not stated on the page",
  "rate_published": "Not checked",
  "eligibility_quote": "These accounts can only be opened in a TD Bank, America's Most Convenient Bank location",
  "eligibility_url": "https://www.td.com/ca/en/personal-banking/solutions/cross-border-banking/accounts",
  "date_checked": "2026-09-24",
  "notes": "The page is TD Canada Trust's list of US bank accounts and services for Canadians."
 },
 {
  "id": "citi",
  "section": "insured",
  "name": "Citibank, N.A.",
  "city": "Sioux Falls",
  "state": "SD",
  "fdic_cert": 7213,
  "fdic_insured": "yes",
  "ncua_charter": "",
  "charter": "N",
  "charter_label": "National bank (OCC)",
  "accepts_group": "all_nonresidents",
  "accepts": "Nonresident aliens through International Personal Bank U.S. packages",
  "field_of_membership": "",
  "open_from_abroad": "branch",
  "opening": "Not online (Citi's online application requires US citizenship or residence)",
  "minimums": "Not stated in the document",
  "rate_published": "No (rates load by script)",
  "eligibility_quote": "account packages opened for Non-Resident Aliens",
  "eligibility_url": "https://online.citi.com/JRS/popups/ao/P253_Marketplace_Addendum_and_Amendments_FINAL.pdf",
  "date_checked": "2026-09-24",
  "notes": "The quote is from Citi's Marketplace Addendum, which refers to International Personal Bank U.S. packages including Citigold International."
 },
 {
  "id": "hsbc",
  "section": "insured",
  "name": "HSBC Bank USA, N.A.",
  "city": "Tysons",
  "state": "VA",
  "fdic_cert": 57890,
  "fdic_insured": "yes",
  "ncua_charter": "",
  "charter": "N",
  "charter_label": "National bank (OCC)",
  "accepts_group": "listed_countries",
  "accepts": "Applicants located in the countries and regions HSBC lists (45 outside the US on the date checked)",
  "field_of_membership": "",
  "open_from_abroad": "remote",
  "opening": "Online, sole accounts",
  "minimums": "Not stated in the FAQ",
  "rate_published": "Yes (the page date is a template, so record the date read)",
  "eligibility_quote": "You can apply online for a sole account if: You're at least 18 years old You have a Social Security Number, or, you're able to complete a valid tax certificate as part of your application",
  "eligibility_url": "https://www.us.hsbc.com/account-opening/frequently-asked-questions/",
  "date_checked": "2026-09-24",
  "notes": "Countries listed include Argentina, Brazil, Canada, China, India, Israel, Mexico, Switzerland and the United Kingdom. Some published CD rates are for existing Premier customers."
 },
 {
  "id": "bofa",
  "section": "insured",
  "name": "Bank of America, N.A.",
  "city": "Charlotte",
  "state": "NC",
  "fdic_cert": 3510,
  "fdic_insured": "yes",
  "ncua_charter": "",
  "charter": "N",
  "charter_label": "National bank (OCC)",
  "accepts_group": "all_nonresidents",
  "accepts": "Non-US citizens, including nonresident aliens with a foreign address and a US mailing address",
  "field_of_membership": "",
  "open_from_abroad": "branch",
  "opening": "In person at a financial center, by appointment",
  "minimums": "Not stated on the page",
  "rate_published": "Yes, by ZIP code (loaded by script)",
  "eligibility_quote": "If you are a non-resident alien (NRA), you'll need to provide both a physical foreign address and U.S. mailing address, as well as two unexpired forms of identification (ID) and a tax identification number (if applicable).",
  "eligibility_url": "https://info.bankofamerica.com/en/international/professional-bank-account.html",
  "date_checked": "2026-09-24",
  "notes": "The page describes checking and savings; CDs are not named on it."
 },
 {
  "id": "pnc",
  "section": "insured",
  "name": "PNC Bank, N.A.",
  "city": "Wilmington",
  "state": "DE",
  "fdic_cert": 6384,
  "fdic_insured": "yes",
  "ncua_charter": "",
  "charter": "N",
  "charter_label": "National bank (OCC)",
  "accepts_group": "all_nonresidents",
  "accepts": "Non-residents without an SSN, using Form W-8BEN",
  "field_of_membership": "",
  "open_from_abroad": "branch",
  "opening": "Branch (PNC does not accept online applications from non-US persons without an SSN or ITIN)",
  "minimums": "Not stated on the page",
  "rate_published": "Not checked",
  "eligibility_quote": "if you do not have an SSN or ITIN, PNC Bank will provide you with an IRS Form W-8 BEN to complete",
  "eligibility_url": "https://www.pnc.com/insights/personal-finance/spend/how-to-open-us-bank-account-for-non-residents.html",
  "date_checked": "2026-09-24",
  "notes": "The page is an article dated August 6, 2024. pnc.com refuses scripted requests, so the checker reports it for a manual read."
 },
 {
  "id": "ibc",
  "section": "insured",
  "name": "International Bank of Commerce",
  "city": "Laredo",
  "state": "TX",
  "fdic_cert": 19629,
  "fdic_insured": "yes",
  "ncua_charter": "",
  "charter": "NM",
  "charter_label": "State bank, not a Fed member (FDIC supervised)",
  "accepts_group": "all_nonresidents",
  "accepts": "International customers, chiefly from Mexico",
  "field_of_membership": "",
  "open_from_abroad": "branch",
  "opening": "Branch or IBC representative",
  "minimums": "International CD $2,500; $40,000 for terms under 90 days; terms 60 days to 4 years",
  "rate_published": "No",
  "eligibility_quote": "Our strong reputation with businesses and citizens of Mexico gives us the relationships and depth of experience to ensure that the interests of our international customers are fully protected.",
  "eligibility_url": "https://www.ibc.com/international",
  "date_checked": "2026-09-24",
  "notes": "International CD terms from https://www.ibc.com/international/savings/certificates-of-deposit."
 },
 {
  "id": "vantage",
  "section": "insured",
  "name": "Vantage Bank Texas",
  "city": "San Antonio",
  "state": "TX",
  "fdic_cert": 3405,
  "fdic_insured": "yes",
  "ncua_charter": "",
  "charter": "SM",
  "charter_label": "State bank, Fed member",
  "accepts_group": "all_nonresidents",
  "accepts": "International clients, especially from Mexico",
  "field_of_membership": "",
  "open_from_abroad": "remote",
  "opening": "Remote (the page says without visiting a branch)",
  "minimums": "Not stated on the page",
  "rate_published": "Not checked",
  "eligibility_quote": "Open U.S. accounts, exchange currency, and access lending with secure digital tools built for international clients.",
  "eligibility_url": "https://www.vantage.bank/international",
  "date_checked": "2026-09-24",
  "notes": ""
 },
 {
  "id": "frost",
  "section": "insured",
  "name": "Frost Bank",
  "city": "San Antonio",
  "state": "TX",
  "fdic_cert": 5510,
  "fdic_insured": "yes",
  "ncua_charter": "",
  "charter": "SM",
  "charter_label": "State bank, Fed member",
  "accepts_group": "all_nonresidents",
  "accepts": "Foreign account holders certifying on Form W-8",
  "field_of_membership": "",
  "open_from_abroad": "unclear",
  "opening": "Not stated on the page",
  "minimums": "Not stated on the page",
  "rate_published": "Not checked",
  "eligibility_quote": "All new foreign accounts are required to complete new W-8 tax certification forms used to establish your foreign status.",
  "eligibility_url": "https://www.frostbank.com/fatca",
  "date_checked": "2026-09-24",
  "notes": ""
 },
 {
  "id": "santander-intl",
  "section": "uninsured",
  "name": "Banco Santander International",
  "city": "Miami",
  "state": "FL",
  "fdic_cert": "",
  "fdic_insured": "no",
  "ncua_charter": "",
  "charter": "Edge corporation (banking)",
  "charter_label": "Edge corporation (banking)",
  "accepts_group": "all_nonresidents",
  "accepts": "Private banking clients across several countries",
  "field_of_membership": "",
  "open_from_abroad": "banker",
  "opening": "Private banker",
  "minimums": "Not stated on the page",
  "rate_published": "No",
  "eligibility_quote": "Santander Private Banking International (SPBI) is our platform through which we provide services in a variety of countries and jurisdictions.",
  "eligibility_url": "https://www.santanderprivatebanking.com/our-clients/global-clients",
  "date_checked": "2026-09-24",
  "notes": "Listed as EDGE CORP-BANKING, Miami, in the Federal Reserve's Structure and Share Data for U.S. Offices of Foreign Banks (March 2026). No FDIC certificate in BankFind. Deposits are not FDIC insured."
 },
 {
  "id": "firstrade",
  "section": "brokerage",
  "name": "Firstrade Securities Inc.",
  "city": "Flushing",
  "state": "NY",
  "fdic_cert": "",
  "fdic_insured": "no",
  "ncua_charter": "",
  "charter": "Broker-dealer",
  "charter_label": "Broker-dealer",
  "accepts_group": "all_nonresidents",
  "accepts": "Non-US citizens who are not permanent residents and have no SSN or US tax ID",
  "field_of_membership": "",
  "open_from_abroad": "remote",
  "opening": "Online",
  "minimums": "No minimum stated for stock trading",
  "rate_published": "No (CD inventory is behind login)",
  "eligibility_quote": "You may sign up for an international account if you are not a U.S. citizen or permanent resident, do not have a Social Security Number or Tax-ID Number.",
  "eligibility_url": "https://www.firstrade.com/accounts/international",
  "date_checked": "2026-09-24",
  "notes": "The page lists bonds and CDs among the products. It describes SIPC and excess-SIPC coverage and says nothing about FDIC insurance of the CDs."
 },
 {
  "id": "schwab-intl",
  "section": "brokerage",
  "name": "Charles Schwab & Co., Inc. (Charles Schwab International)",
  "city": "Westlake",
  "state": "TX",
  "fdic_cert": "",
  "fdic_insured": "no",
  "ncua_charter": "",
  "charter": "Broker-dealer",
  "charter_label": "Broker-dealer",
  "accepts_group": "all_nonresidents",
  "accepts": "International investors",
  "field_of_membership": "",
  "open_from_abroad": "remote",
  "opening": "Online application; mailed documents to International Operations, El Paso",
  "minimums": "US$0 account minimum",
  "rate_published": "No",
  "eligibility_quote": "European-domiciled UCITS ETFs are available for residents of the European Economic Area (EEA)",
  "eligibility_url": "https://international.schwab.com/investment-products",
  "date_checked": "2026-09-24",
  "notes": "The international products page lists bonds but not CDs, so whether international clients can buy CDs is not confirmed. The site refuses scripted requests; read in a browser."
 },
 {
  "id": "uark-federal-credit-union",
  "section": "credit_union",
  "name": "UARK Federal Credit Union",
  "city": "Fayetteville",
  "state": "AR",
  "fdic_cert": "",
  "fdic_insured": "no",
  "ncua_charter": 16946,
  "charter": "FCU",
  "charter_label": "Federal credit union (NCUA)",
  "accepts_group": "all_nonresidents",
  "accepts": "Yes, through the Humane Society of the Ozarks option, but only in person at a branch",
  "field_of_membership": "Live, work, worship, attend school, own a business or volunteer in Fayetteville; select employee groups; family of members; or a $25 Humane Society of the Ozarks donation",
  "open_from_abroad": "branch",
  "opening": "In person at a branch in Fayetteville, Arkansas",
  "minimums": "$5 membership savings deposit",
  "rate_published": "Not stated",
  "eligibility_quote": "If you are not a U.S. citizen, not a U.S. resident, or under 18, you'll need to join by visiting a local branch.",
  "eligibility_url": "https://www.uarkfcu.com/join-us",
  "date_checked": "2026-09-24",
  "notes": ""
 },
 {
  "id": "chevron-federal-credit-union",
  "section": "credit_union",
  "name": "Chevron Federal Credit Union",
  "city": "Concord",
  "state": "CA",
  "fdic_cert": "",
  "fdic_insured": "no",
  "ncua_charter": 24326,
  "charter": "FCU",
  "charter_label": "Federal credit union (NCUA)",
  "accepts_group": "all_nonresidents",
  "accepts": "Only Chevron employees (foreign nationals working for Chevron, including outside the US)",
  "field_of_membership": "Chevron employees and families, partner associations, some residency areas",
  "open_from_abroad": "banker",
  "opening": "Expat Services team (phone or email); proof of Chevron employment",
  "minimums": "Member Checking has no minimum balance",
  "rate_published": "Not stated",
  "eligibility_quote": "Foreign nationals working for Chevron both inside and outside the U.S. can utilize a range of Chevron Federal Credit Union products and services.",
  "eligibility_url": "https://www.chevronfcu.org/become-a-member/expatriate-services",
  "date_checked": "2026-09-24",
  "notes": "Minors need an SSN or ITIN for youth savings."
 },
 {
  "id": "ctbc-bank-corp-usa",
  "section": "insured",
  "name": "CTBC Bank Corp. (USA)",
  "city": "Los Angeles",
  "state": "CA",
  "fdic_cert": 19416,
  "fdic_insured": "yes",
  "ncua_charter": "",
  "charter": "NM",
  "charter_label": "State bank, not a Fed member (FDIC supervised)",
  "accepts_group": "all_nonresidents",
  "accepts": "International customers; wording aimed at newcomers to the US",
  "field_of_membership": "",
  "open_from_abroad": "remote",
  "opening": "Remote account opening for eligible customers; branch",
  "minimums": "\"Low minimum deposit requirements\" (no figure)",
  "rate_published": "Not stated",
  "eligibility_quote": "From opening your first U.S. bank account to buying a home and building your financial future, we offer personalized services designed for international customers.",
  "eligibility_url": "https://www.ctbcbankusa.com/International-Solutions/",
  "date_checked": "2026-09-24",
  "notes": "Wording targets newcomers to the US (work, study, family, investment). Whether a person living abroad can open remotely is not stated; ask the bank."
 },
 {
  "id": "golden-state-bank",
  "section": "insured",
  "name": "Golden State Bank",
  "city": "Glendale",
  "state": "CA",
  "fdic_cert": 57585,
  "fdic_insured": "yes",
  "ncua_charter": "",
  "charter": "NM",
  "charter_label": "State bank, not a Fed member (FDIC supervised)",
  "accepts_group": "all_nonresidents",
  "accepts": "People living abroad (international clients)",
  "field_of_membership": "",
  "open_from_abroad": "remote",
  "opening": "Remote, email international@goldenstatebank.com or WhatsApp +1 818 600 7777",
  "minimums": "Not stated",
  "rate_published": "Not stated",
  "eligibility_quote": "Clients from around the world turn to Golden State Bank for exceptional service and solutions tailored to their unique banking needs.",
  "eligibility_url": "https://www.goldenstatebank.com/international-banking",
  "date_checked": "2026-09-24",
  "notes": "Golden State Bank, Glendale, California."
 },
 {
  "id": "eastern-national-bank",
  "section": "insured",
  "name": "Eastern National Bank",
  "city": "Miami",
  "state": "FL",
  "fdic_cert": 20026,
  "fdic_insured": "yes",
  "ncua_charter": "",
  "charter": "N",
  "charter_label": "National bank (OCC)",
  "accepts_group": "all_nonresidents",
  "accepts": "Foreign customers through its International Division",
  "field_of_membership": "",
  "open_from_abroad": "banker",
  "opening": "International Division account officers (contact the bank)",
  "minimums": "Not stated",
  "rate_published": "Not stated",
  "eligibility_quote": "If you are a foreign customer, and your Form W-8BEN expired or will expire at the end of 2026, please complete Form W-8BEN (for individuals)",
  "eligibility_url": "https://www.enbfl.com/",
  "date_checked": "2026-09-24",
  "notes": "International Division page, account officers, remote online access \"at any time and from anywhere\"."
 },
 {
  "id": "grove-bank-trust",
  "section": "insured",
  "name": "Grove Bank & Trust",
  "city": "Miami",
  "state": "FL",
  "fdic_cert": 8018,
  "fdic_insured": "yes",
  "ncua_charter": "",
  "charter": "SM",
  "charter_label": "State bank, Fed member",
  "accepts_group": "all_nonresidents",
  "accepts": "Individuals and businesses with global financial interests",
  "field_of_membership": "",
  "open_from_abroad": "banker",
  "opening": "Contact the international team (web form); branches in Miami-Dade",
  "minimums": "Not stated",
  "rate_published": "Not stated",
  "eligibility_quote": "At Grove Bank & Trust, we provide comprehensive international banking solutions tailored to meet the unique needs of individuals and businesses with global financial interests.",
  "eligibility_url": "https://www.grovebankandtrust.com/international",
  "date_checked": "2026-09-24",
  "notes": "Grove Bank & Trust, Miami. The page does not use the word nonresident; ask whether people living abroad can open remotely."
 },
 {
  "id": "alliant-credit-union",
  "section": "credit_union",
  "name": "Alliant Credit Union",
  "city": "Chicago",
  "state": "IL",
  "fdic_cert": "",
  "fdic_insured": "no",
  "ncua_charter": 67955,
  "charter": "SCU",
  "charter_label": "State-chartered credit union, federally insured (NCUA)",
  "accepts_group": "all_nonresidents",
  "accepts": "Yes, through the Foundation, but only with an SSN or ITIN",
  "field_of_membership": "Partner employers, family of members, residents near Chicago, or anyone who joins the Alliant Credit Union Foundation (Alliant pays the $5 fee)",
  "open_from_abroad": "remote",
  "opening": "Online (digital credit union, no branches)",
  "minimums": "Certificate $1,000 (Jumbo $75,000); savings dividend needs a $100 average balance",
  "rate_published": "Not stated",
  "eligibility_quote": "Note for non-US residents: You can apply to join if you live outside the U.S. and have a Social Security Number or a valid ITIN (Individual Taxpayer Identification Number).",
  "eligibility_url": "https://www.alliantcreditunion.org/membership",
  "date_checked": "2026-09-24",
  "notes": "A nonresident without an SSN or ITIN cannot join. The site refuses scripted requests; the quote was read in a browser on 2026-09-24."
 },
 {
  "id": "first-american-bank-and-trust",
  "section": "insured",
  "name": "First American Bank and Trust",
  "city": "Vacherie",
  "state": "LA",
  "fdic_cert": 8149,
  "fdic_insured": "yes",
  "ncua_charter": "",
  "charter": "NM",
  "charter_label": "State bank, not a Fed member (FDIC supervised)",
  "accepts_group": "all_nonresidents",
  "accepts": "Non-US citizens (FAQ answer begins \"Yes\")",
  "field_of_membership": "",
  "open_from_abroad": "banker",
  "opening": "Call the Customer Care Center first (1-800-738-2265), then open an account",
  "minimums": "Not stated",
  "rate_published": "Not stated",
  "eligibility_quote": "You will also need to fill out a W-8 when opening an account.",
  "eligibility_url": "https://www.fabt.com/faq.php",
  "date_checked": "2026-09-24",
  "notes": "The FAQ question is 'If I'm not a U.S. citizen, can I open an account with your bank?' and the answer begins 'Yes.' First American Bank and Trust, Vacherie, Louisiana."
 },
 {
  "id": "harvard-federal-credit-union",
  "section": "credit_union",
  "name": "Harvard Federal Credit Union",
  "city": "Cambridge",
  "state": "MA",
  "fdic_cert": "",
  "fdic_insured": "no",
  "ncua_charter": 24959,
  "charter": "FCU",
  "charter_label": "Federal credit union (NCUA)",
  "accepts_group": "all_nonresidents",
  "accepts": "Only Harvard-affiliated students (before arrival); scholars and fellows must be in the US",
  "field_of_membership": "Harvard University and its teaching hospitals (students, employees, affiliates and family)",
  "open_from_abroad": "remote",
  "opening": "Online application or DocuSign for students without SSN and US address; branch for scholars and fellows after arrival",
  "minimums": "$5 savings",
  "rate_published": "Not stated",
  "eligibility_quote": "You do not need a Social Security number (SSN) or to be a U.S. citizen or permanent resident to become an Harvard FCU member.",
  "eligibility_url": "https://harvardfcu.org/international/",
  "date_checked": "2026-09-24",
  "notes": "Will not open accounts for citizens living in US-sanctioned countries. Family members without an SSN do not qualify."
 },
 {
  "id": "presidential-bank-fsb",
  "section": "insured",
  "name": "Presidential Bank, FSB",
  "city": "Bethesda",
  "state": "MD",
  "fdic_cert": 32363,
  "fdic_insured": "yes",
  "ncua_charter": "",
  "charter": "SB",
  "charter_label": "Federal savings bank (OCC)",
  "accepts_group": "all_nonresidents",
  "accepts": "Nonresident and resident aliens, in person only",
  "field_of_membership": "",
  "open_from_abroad": "branch",
  "opening": "In person at a branch or identified in person by a bank employee",
  "minimums": "Not stated in the FAQ",
  "rate_published": "Not stated",
  "eligibility_quote": "Non-U.S. citizens (non-resident and resident aliens) may be able to open an account in person at one of our branch locations and/or identified in person by a Bank employee.",
  "eligibility_url": "https://www.presidential.com/faqs",
  "date_checked": "2026-09-24",
  "notes": "Branches in Maryland, Virginia and Washington DC. The wording is 'may be able to', so confirm before travelling."
 },
 {
  "id": "compass-credit-union",
  "section": "credit_union",
  "name": "Compass Credit Union",
  "city": "Sparta",
  "state": "MI",
  "fdic_cert": "",
  "fdic_insured": "no",
  "ncua_charter": 62040,
  "charter": "SCU",
  "charter_label": "State-chartered credit union, federally insured (NCUA)",
  "accepts_group": "all_nonresidents",
  "accepts": "Only with a work, worship or school tie to those counties",
  "field_of_membership": "Live, work, worship or attend school in Allegan, Barry, Ionia, Kent, Lake, Mason, Mecosta, Montcalm, Muskegon, Newaygo, Oceana, Osceola or Ottawa County, Michigan, or Palm Beach County, Florida",
  "open_from_abroad": "remote",
  "opening": "Online membership form or branch",
  "minimums": "$25 checking",
  "rate_published": "Not stated",
  "eligibility_quote": "At Compass Credit Union, we believe everyone deserves access to safe, trusted financial services",
  "eligibility_url": "https://compasscu.com/personal-accounts/",
  "date_checked": "2026-09-24",
  "notes": "The same sentence continues \"including non-U.S. citizens and non-residents.\" The page lists a foreign passport as an accepted primary ID. Read in a browser 2026-09-24."
 },
 {
  "id": "abacus-federal-savings-bank",
  "section": "insured",
  "name": "Abacus Federal Savings Bank",
  "city": "New York",
  "state": "NY",
  "fdic_cert": 32257,
  "fdic_insured": "yes",
  "ncua_charter": "",
  "charter": "SB",
  "charter_label": "Federal savings bank (OCC)",
  "accepts_group": "all_nonresidents",
  "accepts": "Foreign nationals (Foreign National Elite Banking)",
  "field_of_membership": "",
  "open_from_abroad": "banker",
  "opening": "Contact the bank (loan officers at (212) 285-4770; branches in New York, Flushing, Philadelphia)",
  "minimums": "A minimum balance avoids a $50 monthly fee on the Foreign Elite Account (amount not stated)",
  "rate_published": "Not stated",
  "eligibility_quote": "Foreign National Elite Banking Services for you and your family. Wherever you are, we are here to take care of your U.S. banking needs.",
  "eligibility_url": "https://www.abacusbank.com/loans/foreign-national-elite-program/",
  "date_checked": "2026-09-24",
  "notes": "The page sits under Loans and lists the deposit service without detail. Abacus Federal Savings Bank."
 },
 {
  "id": "municipal-credit-union",
  "section": "credit_union",
  "name": "Municipal Credit Union",
  "city": "New York",
  "state": "NY",
  "fdic_cert": "",
  "fdic_insured": "no",
  "ncua_charter": 60153,
  "charter": "SCU",
  "charter_label": "State-chartered credit union, federally insured (NCUA)",
  "accepts_group": "all_nonresidents",
  "accepts": "Only with an NYC work, worship or school tie, and the application must be finished at a branch",
  "field_of_membership": "Live, work, worship or attend school in New York City",
  "open_from_abroad": "branch",
  "opening": "Start online, finish in person at an NYC branch",
  "minimums": "Not stated on the page",
  "rate_published": "Not stated",
  "eligibility_quote": "Apply as a Non-Resident Alien",
  "eligibility_url": "https://www.nymcu.org/",
  "date_checked": "2026-09-24",
  "notes": "Municipal Credit Union. The residency selector offers 'I am a Non-Resident Alien' next to 'U.S. Citizen or Permanent Resident'."
 },
 {
  "id": "united-nations-federal-credit-union",
  "section": "credit_union",
  "name": "United Nations Federal Credit Union",
  "city": "Long Island City",
  "state": "NY",
  "fdic_cert": "",
  "fdic_insured": "no",
  "ncua_charter": 5588,
  "charter": "FCU",
  "charter_label": "Federal credit union (NCUA)",
  "accepts_group": "all_nonresidents",
  "accepts": "Only people in the UN community",
  "field_of_membership": "Employees, retirees, consultants and volunteers of the United Nations and affiliated agencies (including the World Bank and IMF), and their family and household members",
  "open_from_abroad": "remote",
  "opening": "Online application with uploaded documents",
  "minimums": "$25 membership share",
  "rate_published": "Not stated",
  "eligibility_quote": "Your social security number if you are a US taxpayer, or your tax identification number if you are not a US taxpayer",
  "eligibility_url": "https://www.unfcu.org/join/",
  "date_checked": "2026-09-24",
  "notes": "Out of scope in the 2026-09-24 sample directory because it is a credit union."
 },
 {
  "id": "banco-popular-de-puerto-rico",
  "section": "insured",
  "name": "Banco Popular de Puerto Rico",
  "city": "San Juan",
  "state": "PR",
  "fdic_cert": 34968,
  "fdic_insured": "yes",
  "ncua_charter": "",
  "charter": "SM",
  "charter_label": "State bank, Fed member",
  "accepts_group": "all_nonresidents",
  "accepts": "Individuals who live outside Puerto Rico",
  "field_of_membership": "",
  "open_from_abroad": "banker",
  "opening": "Contact the International Banking Center in San Juan by phone ((787) 723-7210 or 723-7216)",
  "minimums": "Not stated",
  "rate_published": "Not stated",
  "eligibility_quote": "The International Banking Center serves banking relationships with individual clients who reside outside of Puerto Rico and commercial clients who are registered in other countries with operations outside the island.",
  "eligibility_url": "https://www.popular.com/en/services/international-banking/",
  "date_checked": "2026-09-24",
  "notes": "Banco Popular de Puerto Rico. \"Outside of Puerto Rico\" also covers the US mainland. The page redirected on a later read; the text is kept from the screen fetch."
 },
 {
  "id": "advancial-federal-credit-union",
  "section": "credit_union",
  "name": "Advancial Federal Credit Union",
  "city": "Dallas",
  "state": "TX",
  "fdic_cert": "",
  "fdic_insured": "no",
  "ncua_charter": 2285,
  "charter": "FCU",
  "charter_label": "Federal credit union (NCUA)",
  "accepts_group": "all_nonresidents",
  "accepts": "Only through a qualifying employer, organization or family tie",
  "field_of_membership": "Employees or members of a partner organization, family of members, or those who live, work, worship or attend school in a served community",
  "open_from_abroad": "remote",
  "opening": "Paper application with photocopied ID (mail or branch); not online",
  "minimums": "Not stated on the form",
  "rate_published": "Not stated",
  "eligibility_quote": "Non-U.S. citizens: Provide color photocopies of your valid passport",
  "eligibility_url": "https://www.advancial.org/getcontentasset/49015714-a5e0-4077-99bc-33b0df3a2d3f/dfc3d011-8f63-43f6-9ed8-4b444333a1d0/membershipapplication_ep103-7.pdf",
  "date_checked": "2026-09-24",
  "notes": "Advancial Federal Credit Union, Dallas. The FAQ says online applicants must be US citizens or permanent resident aliens."
 },
 {
  "id": "red-river-employees-federal-credit-union",
  "section": "credit_union",
  "name": "Red River Employees Federal Credit Union",
  "city": "Texarkana",
  "state": "TX",
  "fdic_cert": "",
  "fdic_insured": "no",
  "ncua_charter": 5029,
  "charter": "FCU",
  "charter_label": "Federal credit union (NCUA)",
  "accepts_group": "all_nonresidents",
  "accepts": "Members without US-issued ID; open to anyone who joins the American Consumer Council, which the credit union enrolls at no cost (Louisiana residents ineligible for that route)",
  "field_of_membership": "Red River Army Depot employees and contractors; people who live, work, worship or attend school in listed underserved communities; American Consumer Council or Cornerstone Credit Union Foundation members; immediate family of members",
  "open_from_abroad": "remote",
  "opening": "Online or at a branch (the page says some restrictions apply to eSignature)",
  "minimums": "$5 minimum balance plus $5 membership fee",
  "rate_published": "Not stated",
  "eligibility_quote": "Our Foreign National checking account is for members who don’t have a U.S. standard-issue form of identification.",
  "eligibility_url": "https://www.rrcu.com/non-resident-checking",
  "date_checked": "2026-09-24",
  "notes": "Program aimed at immigrants (Juntos Avanzamos). Whether someone living abroad can join is not stated; ask before applying. Membership page read in a browser 2026-09-24."
 },
 {
  "id": "column-national-association",
  "section": "insured",
  "name": "Column National Association",
  "city": "Salt Lake City",
  "state": "UT",
  "fdic_cert": 58224,
  "fdic_insured": "yes",
  "ncua_charter": "",
  "charter": "N",
  "charter_label": "National bank (OCC)",
  "accepts_group": "all_nonresidents",
  "accepts": "Verified non-US individuals, only through partner platforms",
  "field_of_membership": "",
  "open_from_abroad": "remote",
  "opening": "Only through fintech or platform partners built on Column's API; Column does not open accounts directly for consumers",
  "minimums": "Set by the platform",
  "rate_published": "Not stated",
  "eligibility_quote": "Now you can open US accounts for verified non-US individuals and businesses",
  "eligibility_url": "https://column.com/global-banking/",
  "date_checked": "2026-09-24",
  "notes": "Column National Association is a bank-as-a-service provider. A depositor reaches it only through a partner app, and deposit insurance may be pass-through, depending on the platform's recordkeeping."
 },
 {
  "id": "btg-pactual-bank-national-association",
  "section": "insured",
  "name": "BTG Pactual Bank, National Association",
  "city": "New York",
  "state": "NY",
  "fdic_cert": 35154,
  "fdic_insured": "yes",
  "ncua_charter": "",
  "charter": "N",
  "charter_label": "National bank (OCC)",
  "accepts_group": "listed_countries",
  "accepts": "Residents of Brazil and Chile who are BTG Pactual clients",
  "field_of_membership": "",
  "open_from_abroad": "remote",
  "opening": "Online, inside the BTG Pactual Banking or Investments app (existing BTG Pactual clients)",
  "minimums": "Not stated",
  "rate_published": "Not stated",
  "eligibility_quote": "If you live in Brazil or Chile and are not a U.S. resident, you may be eligible for a U.S. dollar investment account with BTG Pactual, including a debit card and digital banking.",
  "eligibility_url": "https://www.btgpactual.us/",
  "date_checked": "2026-09-24",
  "notes": "The International Accounts page says the banking account is provided by Regent Bank, member FDIC, in partnership with Banco BTG Pactual S.A., so the deposit sits at Regent Bank, not at BTG Pactual Bank, N.A. Home page APY footnote applies to US citizens and resident aliens."
 },
 {
  "id": "texas-regional-bank",
  "section": "insured",
  "name": "Texas Regional Bank",
  "city": "Harlingen",
  "state": "TX",
  "fdic_cert": 26906,
  "fdic_insured": "yes",
  "ncua_charter": "",
  "charter": "SM",
  "charter_label": "State bank, Fed member",
  "accepts_group": "listed_countries",
  "accepts": "Mexican nationals without a US address or SSN",
  "field_of_membership": "",
  "open_from_abroad": "banker",
  "opening": "Private banker (schedule an appointment)",
  "minimums": "Not stated (aimed at high-net-worth individuals)",
  "rate_published": "Not stated",
  "eligibility_quote": "Mexican Nationals: Individuals seeking secure U.S. banking solutions without a U.S. address or Social Security Number (SSN).",
  "eligibility_url": "https://trb.bank/international-private-banking/",
  "date_checked": "2026-09-24",
  "notes": "Texas Regional Bank, Harlingen. The page also says open accounts without traditional barriers like a U.S. address or SSN."
 },
 {
  "id": "titan-bank-n-a",
  "section": "insured",
  "name": "Titan Bank, N.A.",
  "city": "Mineral Wells",
  "state": "TX",
  "fdic_cert": 3225,
  "fdic_insured": "yes",
  "ncua_charter": "",
  "charter": "N",
  "charter_label": "National bank (OCC)",
  "accepts_group": "canada_residents",
  "accepts": "US businesses owned by Canadians (business accounts only)",
  "field_of_membership": "",
  "open_from_abroad": "remote",
  "opening": "Online",
  "minimums": "Minimum opening balance $0; $14.95 monthly fee waived above $2,500",
  "rate_published": "Not stated",
  "eligibility_quote": "We're able to quickly open accounts online for US businesses owned by Canadian companies and individuals.",
  "eligibility_url": "https://www.titanbank.com/business/canadian-owned-accounts",
  "date_checked": "2026-09-24",
  "notes": "Business accounts only, for a US business with Canadian owners. Not a personal account option."
 }
]