{"id":6003,"date":"2025-05-11T08:30:00","date_gmt":"2025-05-11T08:30:00","guid":{"rendered":"https:\/\/jornal365.com.br\/?p=6003"},"modified":"2025-05-11T08:30:00","modified_gmt":"2025-05-11T08:30:00","slug":"bankszamla-az-usa-ban-bevandorlokent","status":"publish","type":"post","link":"https:\/\/cosviral.com\/hu\/emprego\/conta-bancaria-nos-eua-sendo-imigrante\/","title":{"rendered":"Megtudhatja, hogyan nyisson banksz\u00e1ml\u00e1t az USA-ban bev\u00e1ndorl\u00f3k\u00e9nt: l\u00e9p\u00e9sr\u0151l l\u00e9p\u00e9sre"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"6003\" class=\"elementor elementor-6003\">\n\t\t\t\t<div class=\"elementor-element elementor-element-02668a3 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"02668a3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-29cdaca elementor-widget elementor-widget-html\" data-id=\"29cdaca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"ad-label\" style=\"font-size:10px;text-align:center;color:#000;\">Hirdet\u00e9sek<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98b1bd2 elementor-widget elementor-widget-text-editor\" data-id=\"98b1bd2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Ha \u00d6n brazil, \u00e9s az Egyes\u00fclt \u00c1llamokban \u00e9l, vagy az orsz\u00e1gban k\u00e9sz\u00fcl \u00e9lni, <strong data-start=\"477\" data-end=\"513\">banksz\u00e1mla megnyit\u00e1sa az USA-ban<\/strong> az egyik els\u0151 \u00e9s legfontosabb feladat. Akt\u00edv fi\u00f3k n\u00e9lk\u00fcl nehezen tud majd <strong data-start=\"611\" data-end=\"630\">fizet\u00e9st kap<\/strong>, <strong data-start=\"632\" data-end=\"650\">ingatlan b\u00e9rbead\u00e1sa<\/strong>, <strong data-start=\"652\" data-end=\"676\">online v\u00e1s\u00e1rl\u00e1s<\/strong> vagy ak\u00e1r az alapvet\u0151 sz\u00e1ml\u00e1k kifizet\u00e9se.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7eb2799 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"7eb2799\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-344474f elementor-align-center elementor-widget elementor-widget-button\" data-id=\"344474f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/jornal365.com.br\/emprego\/vagas-nos-eua-que-contratam-brasileiros\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\ud83d\udc49 L\u00e1sd: Braz\u00edliaiakat alkalmaz\u00f3 v\u00e1llalatok az USA-ban<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d4e5850 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"d4e5850\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3d398e7 elementor-widget elementor-widget-text-editor\" data-id=\"3d398e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"\" data-start=\"1034\" data-end=\"1098\">Mi\u00e9rt \u00e9rdemes a braziloknak banksz\u00e1ml\u00e1t nyitniuk az USA-ban?<\/h2><p class=\"\" data-start=\"1100\" data-end=\"1236\">A legt\u00f6bb amerikai p\u00e9nz\u00fcgyi szolg\u00e1ltat\u00e1shoz akt\u00edv sz\u00e1ml\u00e1ra van sz\u00fcks\u00e9g. \u00cdme a legfontosabb okok, amelyek miatt nem szabad elhalasztani ezt a d\u00f6nt\u00e9st:<\/p><h3 class=\"\" data-start=\"1238\" data-end=\"1307\">1. <strong data-start=\"1245\" data-end=\"1305\">K\u00f6zvetlen\u00fcl az amerikai munk\u00e1ltat\u00f3kt\u00f3l kapott b\u00e9rek<\/strong><\/h3><p class=\"\" data-start=\"1308\" data-end=\"1495\">Az amerikai v\u00e1llalatok \u00e1ltal\u00e1ban nem k\u00e9szp\u00e9nzben vagy nemzetk\u00f6zi \u00e1tutal\u00e1ssal fizetnek. Egy helyi sz\u00e1ml\u00e1val k\u00f6nnyed\u00e9n, biztons\u00e1gosan \u00e9s gyorsan befizetheti a fizet\u00e9s\u00e9t.<\/p><h3 class=\"\" data-start=\"1497\" data-end=\"1541\">2. <strong data-start=\"1504\" data-end=\"1539\">Ker\u00fclje a magas \u00e1rfolyamokat<\/strong><\/h3><p class=\"\" data-start=\"1542\" data-end=\"1752\">Amerikai sz\u00e1mla n\u00e9lk\u00fcl \u00e1lland\u00f3an p\u00e9nzt kell utalnia Braz\u00edli\u00e1b\u00f3l, IOF-ot \u00e9s kedvez\u0151tlen \u00e1rfolyamokat fizetve. Egy amerikai sz\u00e1ml\u00e1val sokat sp\u00f3rolhatsz, ha helyben mozgatod a p\u00e9nzed.<\/p><h3 class=\"\" data-start=\"1754\" data-end=\"1803\">3. <strong data-start=\"1761\" data-end=\"1801\">Bet\u00e9ti \u00e9s hitelk\u00e1rty\u00e1khoz val\u00f3 hozz\u00e1f\u00e9r\u00e9s<\/strong><\/h3><p class=\"\" data-start=\"1804\" data-end=\"1978\">Akt\u00edv sz\u00e1ml\u00e1val olyan k\u00e1rty\u00e1kat ig\u00e9nyelhet, amelyeket sz\u00e9les k\u00f6rben elfogadnak az orsz\u00e1gban, ami megk\u00f6nny\u00edti a fizikai \u00e9s online v\u00e1s\u00e1rl\u00e1sokat \u00e9s az olyan szolg\u00e1ltat\u00e1sokra val\u00f3 el\u0151fizet\u00e9seket, mint az Amazon, Netflix stb.<\/p><h3 class=\"\" data-start=\"1980\" data-end=\"2042\">4. <strong data-start=\"1987\" data-end=\"2040\">K\u00f6nnyen b\u00e9relhet\u0151 ingatlan \u00e9s v\u00e1s\u00e1rolhat\u00f3 term\u00e9kek<\/strong><\/h3><p class=\"\" data-start=\"2043\" data-end=\"2220\">Sok b\u00e9rbead\u00f3 \u00e9s b\u00e9rbead\u00f3 c\u00e9g megk\u00f6veteli a banksz\u00e1mla megl\u00e9t\u00e9nek igazol\u00e1s\u00e1t a szerz\u0151d\u00e9sekhez. Ezenk\u00edv\u00fcl a helyi k\u00e1rty\u00e1val t\u00f6rt\u00e9n\u0151 fizet\u00e9s elker\u00fclhet\u0151v\u00e9 teszi a nemzetk\u00f6zi tranzakci\u00f3k blokkol\u00e1s\u00e1t.<\/p><h3 class=\"\" data-start=\"2222\" data-end=\"2274\">5. <strong data-start=\"2229\" data-end=\"2272\">P\u00e9nz\u00fcgyi el\u0151zm\u00e9nyek l\u00e9trehoz\u00e1sa az USA-ban<\/strong><\/h3><p class=\"\" data-start=\"2275\" data-end=\"2445\">Egy akt\u00edv \u00e9s j\u00f3l m\u0171k\u00f6d\u0151 sz\u00e1mla fenntart\u00e1sa seg\u00edt a hitelpontsz\u00e1m fel\u00e9p\u00edt\u00e9s\u00e9ben, ami elengedhetetlen ahhoz, hogy a j\u00f6v\u0151ben finansz\u00edroz\u00e1shoz, aut\u00f3- vagy ak\u00e1r ingatlanl\u00edzinghez jusson.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-505e3cc elementor-align-center elementor-widget elementor-widget-button\" data-id=\"505e3cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/jornal365.com.br\/emprego\/seja-afiliado-e-seja-o-seu-proprio-chefe\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\ud83d\udc49 Nyitott poz\u00edci\u00f3k az Amazonon<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8b3328b e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"8b3328b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a119c03 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"a119c03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/jornal365.com.br\/emprego\/catho-empresas-infojobs-empesas-gupy-2025\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\ud83d\udc49 Munkalehet\u0151s\u00e9gek most: Catho c\u00e9gek, InfoJobs<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9c1cb08 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"9c1cb08\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fdf24da elementor-widget elementor-widget-text-editor\" data-id=\"fdf24da\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"\" data-start=\"2452\" data-end=\"2512\">A legjobb bankok brazilok sz\u00e1m\u00e1ra sz\u00e1mlanyit\u00e1shoz az USA-ban<\/h2><p class=\"\" data-start=\"2514\" data-end=\"2644\">\u00cdme, a brazilok sz\u00e1m\u00e1ra legmegfelel\u0151bb bankok - k\u00fcl\u00f6n\u00f6sen azok, amelyek <strong data-start=\"2594\" data-end=\"2643\">\u00fatlev\u00e9l, ITIN vagy n\u00e9h\u00e1ny m\u00e1s dokumentum elfogad\u00e1sa<\/strong>:<\/p><h3 class=\"\" data-start=\"2646\" data-end=\"2674\">\ud83d\udd39 <strong data-start=\"2653\" data-end=\"2672\">Bank of America<\/strong><\/h3><p class=\"\" data-start=\"2675\" data-end=\"2893\">Nagy, hagyom\u00e1nyos \u00e9s t\u00f6bbnyelv\u0171 t\u00e1mogat\u00e1ssal. Az egyik olyan bank, amely a legt\u00f6bb brazil \u00e1llampolg\u00e1rt fogadja el alapdokumentumokkal. Lehet\u0151v\u00e9 teszi a sz\u00e1mlanyit\u00e1st \u00fatlev\u00e9llel \u00e9s ITIN azonos\u00edt\u00f3val. Modern alkalmaz\u00e1s \u00e9s hozz\u00e1f\u00e9r\u00e9s t\u00f6bb ezer ATM-hez.<\/p><h3 class=\"\" data-start=\"2895\" data-end=\"2918\">\ud83d\udd39 <strong data-start=\"2902\" data-end=\"2916\">Chase Bank<\/strong><\/h3><p class=\"\" data-start=\"2919\" data-end=\"3125\">Ide\u00e1lis azok sz\u00e1m\u00e1ra, akik k\u00e9nyelemre v\u00e1gynak. Ez egy t\u00f6bb fi\u00f3kkal rendelkez\u0151 bank, amely elfogadja a brazilokat a lak\u00f3hely, az \u00fatlev\u00e9l \u00e9s lehet\u0151leg az ITIN igazol\u00e1s\u00e1val. Hitelk\u00e1rty\u00e1k \u00e9rdekes el\u0151ny\u00f6kkel.<\/p><h3 class=\"\" data-start=\"3127\" data-end=\"3151\">\ud83d\udd39 <strong data-start=\"3134\" data-end=\"3149\">Wells Fargo<\/strong><\/h3><p class=\"\" data-start=\"3152\" data-end=\"3341\">N\u00e9pszer\u0171, mert megfizethet\u0151 minim\u00e1lis egyenleggel rendelkez\u0151 sz\u00e1ml\u00e1kat k\u00edn\u00e1l. Hat\u00e9kony szolg\u00e1ltat\u00e1s \u00e9s kevesebb b\u00fcrokr\u00e1cia a k\u00fclf\u00f6ldiek sz\u00e1m\u00e1ra. Kiv\u00e1l\u00f3 ig\u00e9nyl\u00e9si \u00e9s k\u00f6nnyebb hitelez\u00e9si lehet\u0151s\u00e9gek a felhaszn\u00e1l\u00e1si id\u0151vel.<\/p><h3 class=\"\" data-start=\"3343\" data-end=\"3363\">\ud83d\udd39 <strong data-start=\"3350\" data-end=\"3361\">TD Bank<\/strong><\/h3><p class=\"\" data-start=\"3364\" data-end=\"3547\">H\u00edres arr\u00f3l, hogy elfogadja a k\u00fclf\u00f6ldieket, \u00e9s lehet\u0151v\u00e9 teszi a sz\u00e1mlanyit\u00e1st csup\u00e1n \u00fatlev\u00e9llel. A szolg\u00e1ltat\u00e1s \u00e1ltal\u00e1ban emberk\u00f6zelibb, \u00e9s egyes egys\u00e9gek portug\u00e1l nyelven ny\u00fajtanak t\u00e1mogat\u00e1st.<\/p><h3 class=\"\" data-start=\"3549\" data-end=\"3599\">\ud83d\udd39 <strong data-start=\"3556\" data-end=\"3597\">BB Americas (Bank of Brazil Americas)<\/strong><\/h3><p class=\"\" data-start=\"3600\" data-end=\"3797\">T\u00f6k\u00e9letes azok sz\u00e1m\u00e1ra, akik m\u00e9g mindig a Braz\u00edlia-USA \u00e1tmenetben vannak. A bank megk\u00f6nny\u00edti a sz\u00e1mlanyit\u00e1st \u00fatlev\u00e9llel, elfogadja a brazil utalv\u00e1nyokat, \u00e9s m\u00e9g az orsz\u00e1gok k\u00f6z\u00f6tti gyorsabb \u00e1tutal\u00e1sokat is lehet\u0151v\u00e9 teszi.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-87f4838 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"87f4838\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7807d26 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"7807d26\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/jornal365.com.br\/emprego\/vagas-nos-eua-que-contratam-brasileiros\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\ud83d\udc49 L\u00e1sd: Braz\u00edliaiakat alkalmaz\u00f3 v\u00e1llalatok az USA-ban<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f103385 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"f103385\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5db9893 elementor-widget elementor-widget-text-editor\" data-id=\"5db9893\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"\" data-start=\"3804\" data-end=\"3870\">Az USA-ban t\u00f6rt\u00e9n\u0151 banksz\u00e1mlanyit\u00e1shoz sz\u00fcks\u00e9ges dokumentumok<\/h2><p class=\"\" data-start=\"3872\" data-end=\"3963\">B\u00e1r egyes bankok rugalmasabbak, a k\u00f6vetkez\u0151 dokumentumokra \u00e1ltal\u00e1ban sz\u00fcks\u00e9g van:<\/p><ul data-start=\"3965\" data-end=\"4370\"><li class=\"\" data-start=\"3965\" data-end=\"4036\"><p class=\"\" data-start=\"3967\" data-end=\"4036\"><strong data-start=\"3967\" data-end=\"3988\">\u00c9rv\u00e9nyes \u00fatlev\u00e9l<\/strong>szem\u00e9lyazonos\u00edt\u00e1sra elfogadott f\u0151 dokumentum.<\/p><\/li><li class=\"\" data-start=\"4037\" data-end=\"4135\"><p class=\"\" data-start=\"4039\" data-end=\"4135\"><strong data-start=\"4039\" data-end=\"4074\">Az USA-ban l\u00e9v\u0151 c\u00edm igazol\u00e1sa<\/strong>Ez lehet egy energiasz\u00e1mla, egy v\u00edzsz\u00e1mla vagy egy b\u00e9rleti szerz\u0151d\u00e9s.<\/p><\/li><li class=\"\" data-start=\"4136\" data-end=\"4256\"><p class=\"\" data-start=\"4138\" data-end=\"4256\"><strong data-start=\"4138\" data-end=\"4190\">ITIN (egy\u00e9ni ad\u00f3fizet\u0151i azonos\u00edt\u00f3 sz\u00e1m)<\/strong>SSN-helyettes\u00edt\u0151 azok sz\u00e1m\u00e1ra, akik nem rendelkeznek t\u00e1rsadalombiztos\u00edt\u00e1si sz\u00e1mmal.<\/p><\/li><li class=\"\" data-start=\"4257\" data-end=\"4370\"><p class=\"\" data-start=\"4259\" data-end=\"4370\"><strong data-start=\"4259\" data-end=\"4283\">J\u00f6vedelemigazol\u00e1s<\/strong> (bizonyos esetekben): ez lehet a fizet\u00e9si jegyz\u00e9k, a munkaszerz\u0151d\u00e9s vagy a munk\u00e1ltat\u00f3 levele.<\/p><\/li><\/ul><h2 class=\"\" data-start=\"4501\" data-end=\"4543\">Hogyan nyissa meg sz\u00e1ml\u00e1j\u00e1t l\u00e9p\u00e9sr\u0151l l\u00e9p\u00e9sre<\/h2><p class=\"\" data-start=\"4545\" data-end=\"4629\">Egyszer\u0171 lehet banksz\u00e1ml\u00e1t nyitni az Egyes\u00fclt \u00c1llamokban, ha k\u00f6veti az al\u00e1bbi l\u00e9p\u00e9seket:<\/p><ol data-start=\"4631\" data-end=\"5547\"><li class=\"\" data-start=\"4631\" data-end=\"4772\"><p class=\"\" data-start=\"4634\" data-end=\"4772\"><strong data-start=\"4634\" data-end=\"4695\">Vizsg\u00e1lja meg a bev\u00e1ndorl\u00f3k sz\u00e1m\u00e1ra legjobb felt\u00e9teleket k\u00edn\u00e1l\u00f3 bankokat.<\/strong><br data-start=\"4695\" data-end=\"4698\" \/>Hasonl\u00edtsa \u00f6ssze a d\u00edjakat, a juttat\u00e1sokat, a kifizet\u00e9si korl\u00e1tokat \u00e9s a dokument\u00e1ci\u00f3s k\u00f6vetelm\u00e9nyeket.<\/p><\/li><li class=\"\" data-start=\"4774\" data-end=\"4912\"><p class=\"\" data-start=\"4777\" data-end=\"4912\"><strong data-start=\"4777\" data-end=\"4827\">K\u00e9sz\u00edtse el\u0151 a sz\u00fcks\u00e9ges dokumentumokat<\/strong><br data-start=\"4827\" data-end=\"4830\" \/>Rendelkezzen m\u00e1solatokkal \u00e9s eredetiekkel, valamint egy \u00e1lland\u00f3 c\u00edmmel, ahov\u00e1 a levelez\u00e9st fogadni fogja.<\/p><\/li><li class=\"\" data-start=\"4914\" data-end=\"5050\"><p class=\"\" data-start=\"4917\" data-end=\"5050\"><strong data-start=\"4917\" data-end=\"4965\">Foglaljon id\u0151pontot szem\u00e9lyesen (vagy online)<\/strong><br data-start=\"4965\" data-end=\"4968\" \/>Egyes bankokn\u00e1l a folyamatot a weboldalon kezdheti el, \u00e9s a bankfi\u00f3kban fejezheti be.<\/p><\/li><li class=\"\" data-start=\"5052\" data-end=\"5237\"><p class=\"\" data-start=\"5055\" data-end=\"5237\"><strong data-start=\"5055\" data-end=\"5125\">V\u00e1lassza ki a sz\u00e1mla t\u00edpus\u00e1t: foly\u00f3sz\u00e1mla vagy takar\u00e9ksz\u00e1mla<\/strong><br data-start=\"5125\" data-end=\"5128\" \/>A foly\u00f3sz\u00e1ml\u00e1k napi tranzakci\u00f3kat tesznek lehet\u0151v\u00e9. A megtakar\u00edt\u00e1si sz\u00e1ml\u00e1k ide\u00e1lisak a j\u00f6vedelemmel j\u00e1r\u00f3 p\u00e9nz t\u00e1rol\u00e1s\u00e1ra.<\/p><\/li><li class=\"\" data-start=\"5239\" data-end=\"5386\"><p class=\"\" data-start=\"5242\" data-end=\"5386\"><strong data-start=\"5242\" data-end=\"5300\">\u00cdrja al\u00e1 a szerz\u0151d\u00e9st, kapja meg a k\u00e1rty\u00e1j\u00e1t \u00e9s aktiv\u00e1lja a fi\u00f3kj\u00e1t.<\/strong><br data-start=\"5300\" data-end=\"5303\" \/>A fizikai k\u00e1rtya n\u00e9h\u00e1ny napon bel\u00fcl meg\u00e9rkezik. A digit\u00e1lis k\u00e1rtya azonnal haszn\u00e1lhat\u00f3.<\/p><\/li><li class=\"\" data-start=\"5388\" data-end=\"5547\"><p class=\"\" data-start=\"5391\" data-end=\"5547\"><strong data-start=\"5391\" data-end=\"5455\">T\u00f6ltse le a bank hivatalos applik\u00e1ci\u00f3j\u00e1t a sz\u00e1mlavezet\u00e9shez<\/strong><br data-start=\"5455\" data-end=\"5458\" \/>Ez lehet\u0151v\u00e9 teszi a tranzakci\u00f3k nyomon k\u00f6vet\u00e9s\u00e9t, az \u00e1tutal\u00e1sok \u00e9s a fizet\u00e9si bizonylatok egyszer\u0171 elk\u00e9sz\u00edt\u00e9s\u00e9t.<\/p><\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d2dc887 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"d2dc887\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6e3ed5f elementor-align-center elementor-widget elementor-widget-button\" data-id=\"6e3ed5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/jornal365.com.br\/emprego\/google-trabalhe-para-o-google\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">\ud83d\udc49 \u00c1ll\u00e1saj\u00e1nlatok a Google-n\u00e1l: Tudja meg, hogyan jelentkezhet<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-859635c e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"859635c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-38730ca elementor-widget elementor-widget-text-editor\" data-id=\"38730ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2 class=\"\" data-start=\"6185\" data-end=\"6216\">Gyakran ism\u00e9telt k\u00e9rd\u00e9sek (GYIK)<\/h2><p class=\"\" data-start=\"6218\" data-end=\"6400\"><strong data-start=\"6218\" data-end=\"6272\">1. Nyithatok banksz\u00e1ml\u00e1t SSN n\u00e9lk\u00fcl az USA-ban?<\/strong><br data-start=\"6272\" data-end=\"6275\" \/>Igen, az olyan bankok, mint a Bank of Brazil Americas, a TD Bank \u00e9s a Chase elfogadj\u00e1k a brazilokat \u00fatlev\u00e9llel, \u00e9s n\u00e9h\u00e1ny esetben csak ITIN azonos\u00edt\u00f3val.<\/p><p class=\"\" data-start=\"6402\" data-end=\"6583\"><strong data-start=\"6402\" data-end=\"6450\">2. Az USA-ban kell \u00e9lnem ahhoz, hogy sz\u00e1ml\u00e1t nyissak?<\/strong><br data-start=\"6450\" data-end=\"6453\" \/>\u00c1ltal\u00e1ban igen. De vannak olyan digit\u00e1lis bankok \u00e9s nemzetk\u00f6zi lehet\u0151s\u00e9gek, amelyek lehet\u0151v\u00e9 teszik a t\u00e1voli nyit\u00e1st, felt\u00e9ve, hogy van amerikai c\u00edme.<\/p><p class=\"\" data-start=\"6585\" data-end=\"6743\"><strong data-start=\"6585\" data-end=\"6620\">3. Milyen d\u00edjakat sz\u00e1m\u00edtanak fel?<\/strong><br data-start=\"6620\" data-end=\"6623\" \/>Egyes bankok havi 5 \u00e9s 12 US$ k\u00f6z\u00f6tti d\u00edjat sz\u00e1m\u00edtanak fel, ha az egyenleg kevesebb, mint 1.500 US$. M\u00e1sok ingyenes sz\u00e1ml\u00e1kat k\u00edn\u00e1lnak.<\/p><p class=\"\" data-start=\"6745\" data-end=\"6897\"><strong data-start=\"6745\" data-end=\"6797\">4. Mennyi id\u0151be telik a fi\u00f3k aktiv\u00e1l\u00e1sa?<\/strong><br data-start=\"6797\" data-end=\"6800\" \/>A legt\u00f6bb esetben a sz\u00e1ml\u00e1t m\u00e9g aznap aktiv\u00e1lj\u00e1k. A fizikai k\u00e1rtya 10 munkanapon bel\u00fcl meg\u00e9rkezik.<\/p><p class=\"\" data-start=\"6899\" data-end=\"7039\"><strong data-start=\"6899\" data-end=\"6935\">5. Van-e digit\u00e1lis banki szolg\u00e1ltat\u00e1s az USA-ban?<\/strong><br data-start=\"6935\" data-end=\"6938\" \/>Igen! Az olyan lehet\u0151s\u00e9gek, mint a Chime \u00e9s a Wise digit\u00e1lis 100% sz\u00e1ml\u00e1kat k\u00edn\u00e1lnak, online megnyit\u00e1ssal \u00e9s alacsony d\u00edjakkal.<\/p><h2 class=\"\" data-start=\"7046\" data-end=\"7104\">Meg\u00e9ri-e banksz\u00e1ml\u00e1t nyitni az USA-ban?<\/h2><p class=\"\" data-start=\"7106\" data-end=\"7451\"><strong data-start=\"7106\" data-end=\"7121\">Abszol\u00fat!<\/strong> Az Egyes\u00fclt \u00c1llamokban banksz\u00e1ml\u00e1t nyitni <strong data-start=\"7174\" data-end=\"7211\">biztons\u00e1g, gazdas\u00e1goss\u00e1g \u00e9s praktikum<\/strong>, k\u00fcl\u00f6n\u00f6sen azon brazilok sz\u00e1m\u00e1ra, akik az orsz\u00e1gban \u00e9lnek, dolgoznak vagy tanulnak. Akt\u00edv fi\u00f3kkal a k\u00f6vetkez\u0151kre van lehet\u0151s\u00e9ge <strong data-start=\"7318\" data-end=\"7360\">k\u00f6nnyebben kapja meg a kifizet\u00e9seket<\/strong>, <strong data-start=\"7362\" data-end=\"7397\">elker\u00fclni az \u00e1tutal\u00e1si k\u00f6lts\u00e9geket<\/strong> e <strong data-start=\"7400\" data-end=\"7450\">p\u00e9nz\u00fcgyi \u00e9let\u00e9t az Egyes\u00fclt \u00c1llamokban kezdi fel\u00e9p\u00edteni<\/strong>.<\/p><p class=\"\" data-start=\"7453\" data-end=\"7596\">\ud83d\udc49 <strong data-start=\"7456\" data-end=\"7596\">Keressen bankokat, v\u00e1logassa \u00f6ssze dokumentumait, \u00e9s kezdje el m\u00e9g ma. A banki st\u00e1tusz fontos l\u00e9p\u00e9s az USA-ban val\u00f3 stabilit\u00e1s fel\u00e9.<\/strong><\/p><p data-start=\"7453\" data-end=\"7596\">\ud83d\udc49 Tartsd szemmel\u00a0<a href=\"https:\/\/jornal365.com.br\/\" target=\"_blank\" rel=\"noopener\">blog<\/a>\u00a0a k\u00f6vetkez\u0151 cikkek\u00e9rt\u00a0<a href=\"https:\/\/www.instagram.com\/jornal.365\/\" target=\"_blank\" rel=\"noopener\">365 \u00fajs\u00e1g<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>An\u00fancio Se voc\u00ea \u00e9 brasileiro e vive nos Estados Unidos, ou est\u00e1 se preparando para morar no pa\u00eds, abrir uma conta banc\u00e1ria nos EUA \u00e9 uma das primeiras e mais importantes tarefas. Sem uma conta ativa, voc\u00ea ter\u00e1 dificuldades para receber sal\u00e1rio, alugar im\u00f3veis, fazer compras online ou at\u00e9 mesmo pagar contas b\u00e1sicas. \ud83d\udc49 Veja Empresas nos EUA que contratam brasileiros Por que brasileiros devem abrir uma conta banc\u00e1ria nos EUA? A maioria dos servi\u00e7os financeiros nos EUA exige que voc\u00ea tenha uma conta ativa. Veja os principais motivos para n\u00e3o adiar essa decis\u00e3o: 1. Recebimento de sal\u00e1rio direto de empregadores americanos Empresas nos EUA n\u00e3o costumam pagar em dinheiro ou transfer\u00eancias internacionais. Ter uma conta local facilita o dep\u00f3sito direto (direct deposit) do seu sal\u00e1rio com seguran\u00e7a e agilidade. 2. Evitar taxas de c\u00e2mbio elevadas Sem uma conta nos EUA, voc\u00ea ter\u00e1 que transferir dinheiro do Brasil constantemente, pagando IOF e taxas de c\u00e2mbio desfavor\u00e1veis. Com a conta americana, voc\u00ea economiza muito ao movimentar seu dinheiro localmente. 3. Acesso a cart\u00f5es de d\u00e9bito e cr\u00e9dito Com a conta ativa, voc\u00ea pode solicitar cart\u00f5es que s\u00e3o amplamente aceitos no pa\u00eds, o que facilita compras f\u00edsicas, online e assinaturas de servi\u00e7os como Amazon, Netflix, etc. 4. Facilidade para alugar im\u00f3veis e comprar produtos Muitos propriet\u00e1rios e empresas de aluguel exigem comprova\u00e7\u00e3o de conta banc\u00e1ria para contratos. Al\u00e9m disso, pagar com cart\u00e3o local evita bloqueios por transa\u00e7\u00f5es internacionais. 5. Cria\u00e7\u00e3o de hist\u00f3rico financeiro nos EUA Manter uma conta ativa e bem movimentada ajuda a construir seu credit score, algo essencial para conseguir financiamentos, leasing de carro, ou at\u00e9 um im\u00f3vel futuramente. \ud83d\udc49 Vagas Abertas na Amazon \ud83d\udc49 Emprego agora mesmo: Catho empresas, InfoJobs Melhores bancos para brasileiros abrirem conta nos EUA A seguir, veja os bancos mais indicados para brasileiros \u2014 especialmente os que aceitam passaporte, ITIN ou poucos documentos: \ud83d\udd39 Bank of America Amplo, tradicional e com suporte multil\u00edngue. \u00c9 um dos bancos que mais aceita brasileiros com documenta\u00e7\u00e3o b\u00e1sica. Permite abertura de conta com passaporte e ITIN. App moderno e acesso a milhares de caixas eletr\u00f4nicos. \ud83d\udd39 Chase Bank Ideal para quem quer praticidade. \u00c9 um banco com diversas ag\u00eancias e aceita brasileiros com comprovante de resid\u00eancia, passaporte e, preferencialmente, ITIN. Cart\u00f5es de cr\u00e9dito com benef\u00edcios interessantes. \ud83d\udd39 Wells Fargo Popular por oferecer contas com saldos m\u00ednimos acess\u00edveis. Atendimento eficiente e menos burocracia para estrangeiros. Excelente aplicativo e op\u00e7\u00f5es de cr\u00e9dito mais f\u00e1ceis com tempo de uso. \ud83d\udd39 TD Bank Tem reputa\u00e7\u00e3o por aceitar estrangeiros e permitir abertura de conta apenas com passaporte. O atendimento costuma ser mais humanizado, e algumas unidades oferecem suporte em portugu\u00eas. \ud83d\udd39 BB Americas (Bank of Brazil Americas) Perfeito para quem ainda est\u00e1 em transi\u00e7\u00e3o Brasil\u2013EUA. O banco facilita a abertura de conta com passaporte, aceita comprovantes brasileiros e ainda permite transfer\u00eancias mais r\u00e1pidas entre pa\u00edses. \ud83d\udc49 Veja Empresas nos EUA que contratam brasileiros Documentos necess\u00e1rios para abrir uma conta banc\u00e1ria nos EUA Embora alguns bancos sejam mais flex\u00edveis, os seguintes documentos s\u00e3o geralmente exigidos: Passaporte v\u00e1lido: documento principal aceito como identifica\u00e7\u00e3o. Comprovante de endere\u00e7o nos EUA: pode ser uma conta de energia, \u00e1gua ou contrato de aluguel. ITIN (Individual Taxpayer Identification Number): substituto do SSN para quem n\u00e3o tem n\u00famero de seguridade social. Comprovante de renda (em alguns casos): pode ser contracheque, contrato de trabalho ou carta do empregador. Como abrir a sua conta passo a passo Abrir uma conta banc\u00e1ria nos EUA pode ser simples se voc\u00ea seguir esse passo a passo: Pesquise os bancos com melhores condi\u00e7\u00f5es para imigrantesCompare tarifas, benef\u00edcios, limite de saques e exig\u00eancias documentais. Separe os documentos exigidos com anteced\u00eanciaTenha c\u00f3pias e originais, al\u00e9m de endere\u00e7o fixo onde receber\u00e1 correspond\u00eancias. Agende um atendimento presencial (ou online)Em alguns bancos, voc\u00ea pode iniciar o processo pelo site e concluir na ag\u00eancia. Escolha o tipo de conta: corrente (checking) ou poupan\u00e7a (savings)A conta corrente permite movimenta\u00e7\u00f5es di\u00e1rias. A savings \u00e9 indicada para guardar dinheiro com rendimento. Assine o contrato, receba seu cart\u00e3o e ative sua contaO cart\u00e3o f\u00edsico chega em alguns dias. J\u00e1 o digital pode ser usado imediatamente. Baixe o aplicativo oficial do banco para gerenciar sua contaIsso permitir\u00e1 acompanhar transa\u00e7\u00f5es, fazer transfer\u00eancias e pagar boletos facilmente. \ud83d\udc49 Vagas Abertas no Google: Saiba como se Candidatar Perguntas frequentes (FAQ) 1. Posso abrir conta banc\u00e1ria sem ter SSN nos EUA?Sim. Bancos como Bank of Brazil Americas, TD Bank e Chase aceitam brasileiros com passaporte e, em alguns casos, apenas ITIN. 2. Preciso morar nos EUA para abrir a conta?Em geral, sim. Mas h\u00e1 bancos digitais e op\u00e7\u00f5es internacionais que permitem abertura remota, desde que voc\u00ea tenha endere\u00e7o nos EUA. 3. Quais s\u00e3o as taxas cobradas?Alguns bancos cobram entre US$ 5 a US$ 12 mensais se o saldo for inferior a US$ 1.500. Outros oferecem contas gratuitas. 4. Quanto tempo demora para a conta ser ativada?Na maioria dos casos, a conta \u00e9 ativada no mesmo dia. O cart\u00e3o f\u00edsico chega em at\u00e9 10 dias \u00fateis. 5. Existe banco digital nos EUA?Sim! Op\u00e7\u00f5es como Chime e Wise oferecem contas 100% digitais, com abertura online e tarifas reduzidas. Abrir conta banc\u00e1ria nos EUA vale a pena? Sem d\u00favida! Abrir uma conta banc\u00e1ria nos Estados Unidos oferece seguran\u00e7a, economia e praticidade, especialmente para brasileiros que moram, trabalham ou estudam no pa\u00eds. Com a conta ativa, voc\u00ea consegue receber pagamentos com mais facilidade, evita custos com transfer\u00eancias e come\u00e7a a construir sua vida financeira nos EUA. \ud83d\udc49 Pesquise os bancos, separe os documentos e comece hoje mesmo. Estar bancarizado \u00e9 dar um passo importante para sua estabilidade nos EUA. \ud83d\udc49 Fique de olho aqui no\u00a0blog\u00a0para os pr\u00f3ximos artigos no\u00a0Jornal 365<\/p>","protected":false},"author":1,"featured_media":6819,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"googlesitekit_rrm_CAow2qXbCw:productID":"","footnotes":""},"categories":[1],"tags":[],"post_folder":[],"class_list":["post-6003","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-emprego"],"_links":{"self":[{"href":"https:\/\/cosviral.com\/hu\/wp-json\/wp\/v2\/posts\/6003","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cosviral.com\/hu\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cosviral.com\/hu\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cosviral.com\/hu\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cosviral.com\/hu\/wp-json\/wp\/v2\/comments?post=6003"}],"version-history":[{"count":0,"href":"https:\/\/cosviral.com\/hu\/wp-json\/wp\/v2\/posts\/6003\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cosviral.com\/hu\/wp-json\/wp\/v2\/media\/6819"}],"wp:attachment":[{"href":"https:\/\/cosviral.com\/hu\/wp-json\/wp\/v2\/media?parent=6003"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cosviral.com\/hu\/wp-json\/wp\/v2\/categories?post=6003"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cosviral.com\/hu\/wp-json\/wp\/v2\/tags?post=6003"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/cosviral.com\/hu\/wp-json\/wp\/v2\/post_folder?post=6003"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}