YOUR MONEY.YOUR NAME.YOUR COUNTRYDOESN'T MATTER.
Tu dinero. Tu nombre. Tu país no importa.
Open a FDIC-insured savings account with your ITIN number. Zero fees. Built-in remittance at mid-market rates. The banking you deserve — no Social Security number required.
Shield Balance
$4,280.00
+$340 this month ↑
Check-Casher Fees
- 3–5% fee on every paycheck you cash
- $5–15 per money order
- No FDIC protection on cash at home
- You pay to access your own earnings
Avg. annual fees paid
$847
at 4% on $21k income
Zero-Fee Deposits
- Zero fee on every deposit, forever
- No minimum balance requirement
- FDIC-insured up to $250,000
- Direct deposit arrives 2 days early
Fees with Shield
$0
every year, guaranteed
Cumulative impact on your money
1 Year
−$0
+$0
5 Years
−$0
+$0
10 Years
−$0
+$0
Cash Under the Mattress
- Zero interest — your money loses value to inflation
- Vulnerable to theft, fire, or loss
- No record for credit history
- No path to building financial identity
Lost to inflation (3% avg)
$1,890
over 3 years on $21k saved
FDIC-Insured Interest
- 4.5% APY on every dollar saved
- FDIC-insured, protected from any loss
- Monthly statements build credit history
- Savings goal tools in English and Spanish
Earned in interest
+$2,835
at 4.5% APY over 3 years
Cumulative impact on your money
1 Year
−$0
+$0
5 Years
−$0
+$0
10 Years
−$0
+$0
Wire Transfer Markups
- $10–25 flat fee per transfer
- 3–7% exchange rate markup hidden in conversion
- Funds take 2–5 business days
- Your family in Puebla receives less every time
Lost on $500/mo in remittance
$612/yr
at avg. 10.2% total cost
Mid-Market Rate Remittance
- Mid-market exchange rate, no markup
- Flat $2 fee regardless of transfer size
- Funds arrive in under 24 hours
- Send to Mexico, Guatemala, El Salvador & more
Shield total cost
$24/yr
flat $2 × 12 months
Cumulative impact on your money
1 Year
−$0
+$0
5 Years
−$0
+$0
10 Years
−$0
+$0
Denied Applications
- SSN required — application denied immediately
- No path forward without documentation
- Forced into predatory financial products
- Invisible to the financial system
Banks that accept ITIN
< 3%
of US banks accept ITIN alone
ITIN-Accepted Onboarding
- ITIN or SSN both accepted equally
- US mailing address is all you need
- 5-minute online application, no branch visit
- Support in English and Spanish
Shield approval rate
94%
of ITIN applicants approved
Cumulative impact on your money
1 Year
+$0
5 Years
+$0
10 Years
+$0
Check Your Eligibility — three questions, honest answer.
No email required. No data stored. Just three questions to tell you exactly where you stand — and what to do next.
3 questions. 60 seconds. Your answer.
We'll tell you immediately whether you qualify — and exactly what to do if you don't.
People who switched to Shield and never looked back.
"I was paying $180 every month just to cash my paycheck and send money home. With Shield, that's zero. I've saved $2,160 in a year without doing anything different."
Marco Hernández
Puebla, MX → Chicago, IL
Warehouse associate, 7 years in US
$2,160 saved in Year 1
"My husband is on H-4 visa and couldn't open a joint account anywhere. Shield accepted his ITIN. We finally have one account, one balance, one plan."
Priya Nair
Kerala, India → Austin, TX
H-1B engineer, spouse banking issue
Account open in 4 minutes
"Every bank said no. I had my ITIN, I had my address, I was working legally — and still no. Shield said yes in the first screen. I cried a little, honestly."
Yolanda Cifuentes
Guatemala City → Miami, FL
Asylum seeker, ITIN holder
First bank account ever
Your banking address, finally yours.
Download the free 40-page ITIN Banking Guide. No phone number. No SSN. No documentation. Just your name and email.