A valid Social Security number and government-issued ID.
If you are a non-resident or international freelancer, you cannot simply "buy" an account, but you can use specialized platforms to get verified banking details: buy us bank account
For business owners, content should focus on professional needs and incentives: Checking accounts - Open online | U.S. Bank A valid Social Security number and government-issued ID
For those looking to establish a legitimate US banking presence, 1. Direct Online Application (For U.S. Residents) you cannot simply "buy" an account