Banking and Finance

The Best Debit Card Without a Social Security Number in 2021

July 27, 2021

Did you know that you can get a debit card without a social security number? That’s right. You don’t need to be an American resident to get a debit card (at least not with certain online banks like Cheese).

However, the process of applying for a debit card with a SSN is a bit different than applying regularly. While it’s more complicated in most cases, here at Cheese, we’re working to make it as quick and easy as possible.

Read on to find out how to apply for a debit card without a social security number. We’ll also answer all of the questions you have regarding the Cheese Debit Card (including how to get your referral rewards, because, well, you deserve them!).

Why Do Banks Ask for a Social Security Number?

Why do banks even ask for a SSN when signing up for a debit card? It’s not like you’re asking for a line of credit, right? It’s complicated, but it mainly comes down to banks having to comply with the USA Patriot Act. 

Basically, the Patriot Act holds banks accountable if they allow a terrorist or criminal to open an account. Therefore, the bank needs to ask for your SSN just to verify you are who you say you are. However, that’s not the only way to verify someone’s identity; most banks just do it because it’s been the norm for so long.

How to Apply for a Debit Card Without a Social Security Number

A debit card is basically an alternative to carrying around cash. It’s like a credit card, but instead of using it to apply for loans and apply payments to your balance (like you do with a credit card), you use it just like cash—swiping or dipping the magnetic strip into the payment system. 

Having a debit card is like having convenience in your pocket. However, as convenient as they might seem, not everyone has a debit card or isn’t eligible to apply for one. Some people are afraid of giving their personal information out and therefore don't want to provide their social security number. Others simply don't have a social security number to provide.

So, what happens if you want to apply for a debit card but don't have a social security number? Don’t worry—you can apply for a prepaid debit card without providing your SSN. Not interested in a prepaid card? Certain banks will accept applications with an ITIN (Individual Taxpayer Identification Number).

If you file taxes in the US, you should have an ITIN. If you need one, learn more here about how to apply and to check your eligibility.

Don’t qualify for an ITIN or simply don’t want to go through the hassle of applying for one? There’s one more option! Forget the hassle and red tape that comes with applying for other debit cards and just get a Cheese Debit Card. You are able to apply with just an established US address, passport, and valid visa. Plus, you get access to tons of cashback perks, rewards, and more.

The Best Debit Card Without SSN Requirements

As mentioned above, the Cheese Debit Card is an alternative because we allow users to sign up with just an established US address, passport, and valid visa. What makes Cheese the best debit card for international students? Just take a look at a few of the top perks:

     🧀️ No SSN Required

      🧀️ You can apply for a Cheese Debit Card with an established US address, 

            passport, and valid visa.

      🧀️ You can receive a $5 sign-up bonus (that you’re also able to donate to 

            one of our partner charities to support the Asian American community).

      🧀️ There are no annual fees, no overdraft fees, and no ATM fees.

      🧀️ You can earn 0.25% cash back on all purchases and up to 10% at certain retailers.

Still not sure what all the hype is about? Not quite sure how the card works? Below, we’ll answer some of the most frequently asked questions about the Cheese Debit Card.


Is Cheese a Debit Card or Credit Card?

Cheese is a debit card. Although, with the cashback rewards and other perks, it does seem a bit like a credit card, right? When you get a Cheese Debit Card, you’re basically opening a high-yield checking account. 

This just means that you’re opening a checking account that’s connected to your debit card. It’s high-yield because you have the chance to yield a higher percentage in savings and cashback (up to 3-10% in some instances!).

To use the Cheese Debit Card, you are using money that is in your account. This makes it a debit card as you are not swiping the card to charge it to a credit account.

Is the Cheese Mobile Banking App Secure? 

Yes, the Cheese Mobile Banking app is secure. You can download the mobile banking app for either iOS or Android.

How To Apply for a Cheese Debit Card

We suggest downloading the mobile app first via one of the links above. Once you’ve done that, applying for a physical Cheese Debit Card is really easy. 

Follow the instructions in-app. It’ll take two minutes to complete the application process because, remember, we don’t perform any credit checks, and to complete the process, you can apply with an established US address, passport, and valid visa. Once you’re approved, you’ll receive your debit card in 7-10 business days. However, you’re free to start using your virtual card immediately.

How Do I Get My Referral Rewards?

To view and redeem your rewards in your Cheese account, head on over to the mobile app. Tap on your profile and you will be able to see a list of rates, bonuses, and rewards. If you’re having issues accessing the information or if something appears to be wrong, visit our help center for more advice.

Get a Cheese Debit Card Today

Ready to get started saving and spending with a Cheese Debit Card? Click here to apply, or download the app for either iOS or Android

Don’t miss out on the numerous perks available to you, such as up to 10% back at certain retailers and a $5 sign-up bonus. It’s not only the best debit card without a social security number requirement, but it’s also one of the best for cashback!