New to the USA? Your First-Steps Checklist
SSN, bank account, ID, health insurance — what to sort out in your first few weeks
Social Security Number (SSN)
If you have work authorization (on-campus job, CPT/OPT, or a work visa), you can apply for an SSN at your nearest Social Security office — bring your passport, visa, I-20/DS-2019, or EAD card. You'll need it for banking, credit, and much more.
Bank Account
Most banks let you open an account with just a passport and proof of address — many don't strictly require an SSN yet (an ITIN or alternate ID often works). Look for banks offering free student checking accounts.
State ID / Driver's License
Get a state ID or driver's license from your state's DMV — this is the most commonly used everyday ID. You can prepare using this app's driving test mock exam.
Health Insurance
Medical costs in the US are very high, so going without insurance is risky. Schools usually offer (and often require) a student health plan. Employees may get insurance through work, or need to buy their own via healthcare.gov.
Credit History & Phone Plan
Credit score matters a lot in the US — start with a secured credit card to build history over time. You can start with a prepaid SIM and move to a postpaid plan once you have some credit history.
Taxes
Most international students and workers need to file a federal tax return each year (even with no income, Form 8843 may still be required). Schools often provide free tax software access for students (e.g. Sprintax).
This information is general and not legal advice. Consult an immigration attorney or your school's international student office for anything specific to your case.