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The U.S. brokerage and bank Charles Schwab requires a social security number to open an account. You have a social security number but your spouse doesn't. Both want to have bank accounts at Charles Schwab. Is there a way to get a bank account for the spouse at Charles Schwab without a social security number?

The bank needs to be Charles Schwab specifically and other banks are not applicable. Also, the spouse is in the United States on an H-4 visa and cannot therefore get a social security number.

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    Did you try visiting a branch ? Calling the customer care might not be that helpful though. I once opened an account with BofA with my passport as I hadn't received my SSN number till then(but I went into the branch to do so ). And why don't you apply for a SSN ? It takes a week at max to get one. – DumbCoder Oct 10 '16 at 8:56
  • The branch unfortunately says the same, that a social security number is required also for the spouse. I updated the question to say that the spouse cannot get a social security number. Sometimes a TIN (tax identification number) might be used in lieu of a social security number, but I'm not sure if that is the case here. – Markus Hallmann Oct 10 '16 at 14:16
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    Did you ask them specifically if an ITIN is acceptable to open an account at Schwab? – Ben Miller Oct 10 '16 at 17:18
  • They also have a so-called "international" branch - dealing with clients from abroad who typically to not have an US social security number. – cbeleites Oct 11 '16 at 13:48

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