Generally, you will be able to open a bank account without an SSN. You will need to show at least two forms of identification. The Harvard Federal Credit Union (Harvard FCU) should accept your Harvard ID or Harvard-affiliate ID and passport. You will also need to provide a local address.

You usually will not be able to get a credit card without an SSN. However, if you open an account at the Harvard FCU you should be eligible for a credit card with limited credit, even without an SSN.  When you open a checking account at a bank, you should receive a debit card that can be used in most businesses. The difference between a debit card and a credit card is that the money you "charge" using the debit card is drawn directly from your bank account.

If you want to purchase a cell (mobile) phone plan without an SSN, you may have to make a sizable deposit. For those looking to access mobile data, text, and calling upon arrival, the HIO has free Mint Mobile and US Mobile SIM cards available during our pick up hours. You can find more information about these SIM cards here.