Open your US account as a J-1 visa nurse

The no-fee checking, savings, and credit card solution for nurses, physicians and healthcare professionals

Nurses moving to the US on J-1 visas often work in healthcare facilities facing staff shortages. Nurses provide essential patient care, support medical teams, and gain valuable experience in the US healthcare system. After completing their program, they are required to return to their home country for at least two years before they can apply for certain US visas. The US offers competitive salaries, state-of-the-art medical facilities, and diverse career opportunities in hospitals, making it a great place for nurses.

Nurses and other medical professionals often struggle to open a US bank account without an SSN, ITIN, or credit history. With Adro, you can open your US account before setting foot in the US. No credit check is required to sign up. The Adro account also offers no monthly fees and no minimum balance required. When you use the Adro World Mastercard, you can earn 1% cashback on eligible purchases.

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Open your US account before arriving

The no-fee checking + savings accounts, and credit card for internationals

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Open an account today, no SSN needed

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Open an account from outside the US

Sign up before or after you arrive with your US or non-US address and phone number.

Save on international transfers to your Adro account

We charge $0 inbound wire transfer fees when you move money into your Adro account.

Earn 1% cashback and build US credit history

The Adro World Mastercard® can help boost your credit score, no SSN required.

2 accounts: checking + savings

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Enjoy no monthly fees, 2 free withdrawals per month from any ATM¹, and easy access to your money when you need it.

Credit card

Get peace of mind with no annual fee and no international transaction fees.

We work with great partners like:

And trusted by students from 300+ schools, including:

No fees on everyday banking

Eligible for FDIC protection²

How does it work?

STEP 1

Sign up to Adro with your passport and visa details

STEP 2

Deposit money from your home currency or in US dollars

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STEP 3

Upon arrival in the US, start spending with Apple Pay or Google Pay

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STEP 4

Your physical card arrives at your US residence shortly after

Manage your money anytime, anywhere

Download the Adro app to access your account from wherever you are

Got questions?

Why do nurses on J-1 visas need a US bank account?

As a nurse on a J-1 visa, you’ll be working and earning in the US. Having a local bank account allows you to get paid directly in US dollars, manage your money easily, and avoid high international transaction fees.

What documents do I need to open an Adro account?

You’ll need your passport and proof of J-1 visa status, such as your DS-2019 form, letter of appointment, or sponsorship approval.

Can I open a US account before receiving my Social Security number?

Yes! Adro lets you open an account without an SSN or ITIN. You can get started before you even arrive in the US.

Do I need my employer’s help to open a US account?

No. Adro’s process is simple, and you can open an account independently without having to involve your employer.

How can I get paid as a nurse in the US?

Once your Adro account is open, you can receive your salary directly in US dollars. Adro makes it easy to manage your money without dealing with currency exchange fees.

How can I build my credit history as a nurse in the US?

With the Adro World Mastercard, you can start building your US credit history from day one. You’ll also earn 1% cashback on eligible purchases to make your money go further.

Are there any fees with Adro?

No. Adro offers no monthly fees, no minimum balance requirements, and no fees on incoming wire transfers. See how our account compares.

Adro launches in 2024

Open a US account with no SSN or credit check required

From rent to groceries, move and manage your money seamlessly

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Adro secures additional investment with backing from New York State venture arm. Read more

Open your US account as a J-1 visa nurse

Open your US account before arriving

Open an account today, no SSN needed

Open an account from outside the US

Save on international transfers to your Adro account

Earn 1% cashback and build US credit history

2 accounts: checking + savings

Credit card

Moving to the US?

We work with great partners like:

And trusted by students from 300+ schools, including:

How does it work?

STEP 1

STEP 2

STEP 3

STEP 4

Manage your money anytime, anywhere

Got questions?

Why do nurses on J-1 visas need a US bank account?

What documents do I need to open an Adro account?

Can I open a US account before receiving my Social Security number?

Do I need my employer’s help to open a US account?

How can I get paid as a nurse in the US?

How can I build my credit history as a nurse in the US?

Are there any fees with Adro?

Adro launches in 2024

Open a US account with no SSN or credit check required