SAFE Accounts

Financial services for all, regardless of your immigration status.*
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Checking and savings—no Social Security number or Tax ID number needed.

For individuals who don’t have a SSN or a Tax ID number, we offer our SAFE checking and savings accounts. If you are a non-U.S. citizen or an undocumented immigrant, these accounts allow you to have safe and easy access to financial services.
  • Join without a Social Security number—foreign IDs are accepted
  • Low-cost international wire transfers available at our ACCESO branch
  • Spanish language services available
  • Free ATM or Debit card
  • Worldwide access to your funds
  • Avoid expensive check cashing services

Reclaim your right to financial equity.

How SAFE accounts work

We believe everyone deserves fair access to financial services, regardless of your citizenship or immigration status. To open a SAFE account, join DC Credit Union at our ACCESO branch using your foreign ID. You’ll receive a DC Credit Union Savings account and Checking account, and your choice of an ATM or Debit card.

Your checking account won’t have overdraft privileges. No dividends are earned, and because your accounts don’t earn any interest, there is no need to report to the IRS.

New Americans Loans Program

To help people finance their path to U.S. citizenship, we offer loans to cover the application fees related to this process. The loans can be used for first-time applications, renewals, green cards, DACA, and Temporary Protected Status.

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This post is also available in: Español (Spanish)

We have flexible identification requirements. Foreign ID is accepted to open a SHARE account. Visit our ACCESO branch for more information.

This post is also available in: Español (Spanish)

Yes, you will. If you should leave the country for any reason, you will still have access to your funds at DC Credit Union through your ATM/debit card and our online banking system.


*Subject to membership eligibility.

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