{"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":"cont-bancar-in-sua-ca-imigrant","status":"publish","type":"post","link":"https:\/\/cosviral.com\/ro\/emprego\/conta-bancaria-nos-eua-sendo-imigrante\/","title":{"rendered":"Afla\u021bi cum s\u0103 deschide\u021bi un cont bancar \u00een SUA ca imigrant: Pas cu pas"},"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;\">Anun\u021buri<\/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>Dac\u0103 sunte\u021bi brazilian \u0219i locui\u021bi \u00een Statele Unite sau v\u0103 preg\u0103ti\u021bi s\u0103 locui\u021bi \u00een aceast\u0103 \u021bar\u0103, <strong data-start=\"477\" data-end=\"513\">deschiderea unui cont bancar \u00een SUA<\/strong> este una dintre primele \u0219i cele mai importante sarcini. F\u0103r\u0103 un cont activ, v\u0103 ve\u021bi lupta s\u0103 <strong data-start=\"611\" data-end=\"630\">primesc salariu<\/strong>, <strong data-start=\"632\" data-end=\"650\">\u00eenchirierea propriet\u0103\u021bii<\/strong>, <strong data-start=\"652\" data-end=\"676\">cump\u0103r\u0103turi online<\/strong> sau chiar s\u0103 pl\u0103teasc\u0103 facturile de baz\u0103.<\/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 Vede\u021bi companiile din SUA care angajeaz\u0103 brazilieni<\/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\">De ce ar trebui brazilienii s\u0103-\u0219i deschid\u0103 un cont bancar \u00een SUA?<\/h2><p class=\"\" data-start=\"1100\" data-end=\"1236\">Majoritatea serviciilor financiare din SUA v\u0103 cer s\u0103 ave\u021bi un cont activ. Iat\u0103 principalele motive pentru a nu am\u00e2na aceast\u0103 decizie:<\/p><h3 class=\"\" data-start=\"1238\" data-end=\"1307\">1. <strong data-start=\"1245\" data-end=\"1305\">Primirea salariilor direct de la angajatorii americani<\/strong><\/h3><p class=\"\" data-start=\"1308\" data-end=\"1495\">Companiile din SUA nu pl\u0103tesc de obicei \u00een numerar sau prin transferuri interna\u021bionale. Av\u00e2nd un cont local, este u\u0219or s\u0103 v\u0103 depune\u021bi direct salariul \u00een siguran\u021b\u0103 \u0219i rapid.<\/p><h3 class=\"\" data-start=\"1497\" data-end=\"1541\">2. <strong data-start=\"1504\" data-end=\"1539\">Evita\u021bi ratele de schimb ridicate<\/strong><\/h3><p class=\"\" data-start=\"1542\" data-end=\"1752\">F\u0103r\u0103 un cont american, va trebui s\u0103 transfera\u021bi constant bani din Brazilia, pl\u0103tind IOF \u0219i rate de schimb nefavorabile. Cu un cont american, economisi\u021bi mult mut\u00e2ndu-v\u0103 banii pe plan local.<\/p><h3 class=\"\" data-start=\"1754\" data-end=\"1803\">3. <strong data-start=\"1761\" data-end=\"1801\">Acces la carduri de debit \u0219i de credit<\/strong><\/h3><p class=\"\" data-start=\"1804\" data-end=\"1978\">Cu un cont activ, pute\u021bi aplica pentru carduri care sunt acceptate pe scar\u0103 larg\u0103 \u00een \u021bar\u0103, ceea ce faciliteaz\u0103 achizi\u021biile fizice \u0219i online \u0219i abonamentele la servicii precum Amazon, Netflix etc.<\/p><h3 class=\"\" data-start=\"1980\" data-end=\"2042\">4. <strong data-start=\"1987\" data-end=\"2040\">Este u\u0219or s\u0103 \u00eenchiriezi propriet\u0103\u021bi \u0219i s\u0103 cumperi produse<\/strong><\/h3><p class=\"\" data-start=\"2043\" data-end=\"2220\">Mul\u021bi proprietari \u0219i companii de \u00eenchiriere solicit\u0103 dovada unui cont bancar pentru contracte. \u00cen plus, plata cu un card local evit\u0103 blocajele pentru tranzac\u021biile interna\u021bionale.<\/p><h3 class=\"\" data-start=\"2222\" data-end=\"2274\">5. <strong data-start=\"2229\" data-end=\"2272\">Crearea unui istoric financiar \u00een SUA<\/strong><\/h3><p class=\"\" data-start=\"2275\" data-end=\"2445\">Men\u021binerea unui cont activ \u0219i func\u021bional ajut\u0103 la cre\u0219terea scorului de credit, care este esen\u021bial pentru ob\u021binerea de finan\u021bare, \u00eenchirierea unei ma\u0219ini sau chiar a unei propriet\u0103\u021bi \u00een viitor.<\/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 Posturi vacante la Amazon<\/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 Locuri de munc\u0103 chiar acum: companii din Catho, 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\">Cele mai bune b\u0103nci pentru brazilieni pentru a deschide un cont \u00een SUA<\/h2><p class=\"\" data-start=\"2514\" data-end=\"2644\">Iat\u0103 care sunt cele mai potrivite b\u0103nci pentru brazilieni - \u00een special cele care <strong data-start=\"2594\" data-end=\"2643\">accepta\u021bi pa\u0219aportul, ITIN sau alte c\u00e2teva documente<\/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\">Mare, tradi\u021bional\u0103 \u0219i cu asisten\u021b\u0103 multilingv\u0103. Una dintre b\u0103ncile care accept\u0103 cel mai mult brazilieni cu documente de baz\u0103. Permite deschiderea contului cu pa\u0219aport \u0219i ITIN. Aplica\u021bie modern\u0103 \u0219i acces la mii de ATM-uri.<\/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\">Ideal\u0103 pentru cei care doresc confort. Este o banc\u0103 cu mai multe sucursale \u0219i accept\u0103 brazilieni cu dovad\u0103 de re\u0219edin\u021b\u0103, pa\u0219aport \u0219i, de preferin\u021b\u0103, ITIN. Carduri de credit cu beneficii interesante.<\/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\">Popular pentru c\u0103 ofer\u0103 conturi cu solduri minime accesibile. Servicii eficiente \u0219i mai pu\u021bin\u0103 birocra\u021bie pentru str\u0103ini. Aplica\u021bie excelent\u0103 \u0219i op\u021biuni de creditare mai u\u0219oare, cu timp de utilizare.<\/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\">Are reputa\u021bia de a accepta str\u0103ini \u0219i de a permite deschiderea de conturi doar cu un pa\u0219aport. Serviciul este de obicei mai umanizat, iar unele unit\u0103\u021bi ofer\u0103 asisten\u021b\u0103 \u00een limba portughez\u0103.<\/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\">Perfect pentru cei afla\u021bi \u00eenc\u0103 \u00een tranzi\u021bia Brazilia-SUA. Banca faciliteaz\u0103 deschiderea unui cont cu un pa\u0219aport, accept\u0103 bonuri braziliene \u0219i permite chiar transferuri mai rapide \u00eentre \u021b\u0103ri.<\/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 Vede\u021bi companiile din SUA care angajeaz\u0103 brazilieni<\/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\">Documente necesare pentru deschiderea unui cont bancar \u00een SUA<\/h2><p class=\"\" data-start=\"3872\" data-end=\"3963\">De\u0219i unele b\u0103nci sunt mai flexibile, \u00een general sunt necesare urm\u0103toarele documente:<\/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\">Pa\u0219aport valabil<\/strong>documentul principal acceptat ca act de identitate.<\/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\">Dovada adresei \u00een SUA<\/strong>Aceasta poate fi o factur\u0103 de energie, o factur\u0103 de ap\u0103 sau un contract de \u00eenchiriere.<\/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 (num\u0103r individual de identificare a contribuabilului)<\/strong>SSN substitut pentru cei care nu au un num\u0103r de securitate social\u0103.<\/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\">Dovada venitului<\/strong> (\u00een unele cazuri): aceasta poate fi o foaie de salariu, un contract de munc\u0103 sau o scrisoare din partea angajatorului.<\/p><\/li><\/ul><h2 class=\"\" data-start=\"4501\" data-end=\"4543\">Cum s\u0103 v\u0103 deschide\u021bi contul pas cu pas<\/h2><p class=\"\" data-start=\"4545\" data-end=\"4629\">Deschiderea unui cont bancar \u00een SUA poate fi simpl\u0103 dac\u0103 urma\u021bi ace\u0219ti pa\u0219i:<\/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\">Cerceta\u021bi b\u0103ncile cu cele mai bune condi\u021bii pentru imigran\u021bi<\/strong><br data-start=\"4695\" data-end=\"4698\" \/>Compara\u021bi ratele, beneficiile, limitele de retragere \u0219i cerin\u021bele privind documenta\u021bia.<\/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\">Preg\u0103ti\u021bi \u00een avans documentele necesare<\/strong><br data-start=\"4827\" data-end=\"4830\" \/>Ave\u021bi copii \u0219i originale, precum \u0219i o adres\u0103 fix\u0103 la care ve\u021bi primi coresponden\u021ba.<\/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\">Rezerva\u021bi o programare \u00een persoan\u0103 (sau online)<\/strong><br data-start=\"4965\" data-end=\"4968\" \/>La unele b\u0103nci, pute\u021bi \u00eencepe procesul pe site-ul web \u0219i \u00eel pute\u021bi finaliza la sucursal\u0103.<\/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\">Alege\u021bi tipul de cont: curent sau de economii<\/strong><br data-start=\"5125\" data-end=\"5128\" \/>Conturile curente permit tranzac\u021bii zilnice. Conturile de economii sunt ideale pentru stocarea banilor cu un venit.<\/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\">Semna\u021bi contractul, primi\u021bi cardul \u0219i v\u0103 activa\u021bi contul<\/strong><br data-start=\"5300\" data-end=\"5303\" \/>Cardul fizic ajunge \u00een c\u00e2teva zile. Cardul digital poate fi utilizat imediat.<\/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\">Desc\u0103rca\u021bi aplica\u021bia oficial\u0103 a b\u0103ncii pentru a v\u0103 gestiona contul<\/strong><br data-start=\"5455\" data-end=\"5458\" \/>Acest lucru v\u0103 va permite s\u0103 urm\u0103ri\u021bi cu u\u0219urin\u021b\u0103 tranzac\u021biile, s\u0103 efectua\u021bi transferuri \u0219i fi\u0219e de plat\u0103.<\/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 Locuri de munc\u0103 vacante la Google: afla\u021bi cum s\u0103 aplica\u021bi<\/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\">\u00centreb\u0103ri frecvente (FAQ)<\/h2><p class=\"\" data-start=\"6218\" data-end=\"6400\"><strong data-start=\"6218\" data-end=\"6272\">1. Pot deschide un cont bancar \u00een SUA f\u0103r\u0103 un SSN?<\/strong><br data-start=\"6272\" data-end=\"6275\" \/>Da, b\u0103nci precum Bank of Brazil Americas, TD Bank \u0219i Chase accept\u0103 brazilieni cu un pa\u0219aport \u0219i, \u00een unele cazuri, doar un ITIN.<\/p><p class=\"\" data-start=\"6402\" data-end=\"6583\"><strong data-start=\"6402\" data-end=\"6450\">2. Trebuie s\u0103 locuiesc \u00een SUA pentru a deschide un cont?<\/strong><br data-start=\"6450\" data-end=\"6453\" \/>\u00cen general, da. Dar exist\u0103 b\u0103nci digitale \u0219i op\u021biuni interna\u021bionale care permit deschiderea de la distan\u021b\u0103, at\u00e2t timp c\u00e2t ave\u021bi o adres\u0103 \u00een SUA.<\/p><p class=\"\" data-start=\"6585\" data-end=\"6743\"><strong data-start=\"6585\" data-end=\"6620\">3. Ce taxe sunt percepute?<\/strong><br data-start=\"6620\" data-end=\"6623\" \/>Unele b\u0103nci percep taxe cuprinse \u00eentre 5 \u0219i 12 US$ pe lun\u0103 dac\u0103 soldul este mai mic de 1.500 US$. Altele ofer\u0103 conturi gratuite.<\/p><p class=\"\" data-start=\"6745\" data-end=\"6897\"><strong data-start=\"6745\" data-end=\"6797\">4. C\u00e2t dureaz\u0103 activarea contului?<\/strong><br data-start=\"6797\" data-end=\"6800\" \/>\u00cen majoritatea cazurilor, contul este activat \u00een aceea\u0219i zi. Cardul fizic ajunge \u00een termen de 10 zile lucr\u0103toare.<\/p><p class=\"\" data-start=\"6899\" data-end=\"7039\"><strong data-start=\"6899\" data-end=\"6935\">5. Exist\u0103 servicii bancare digitale \u00een SUA?<\/strong><br data-start=\"6935\" data-end=\"6938\" \/>Da! Op\u021biuni precum Chime \u0219i Wise ofer\u0103 conturi digitale 100%, cu deschidere online \u0219i comisioane reduse.<\/p><h2 class=\"\" data-start=\"7046\" data-end=\"7104\">Merit\u0103 s\u0103 v\u0103 deschide\u021bi un cont bancar \u00een SUA?<\/h2><p class=\"\" data-start=\"7106\" data-end=\"7451\"><strong data-start=\"7106\" data-end=\"7121\">Absolut!<\/strong> Deschiderea unui cont bancar \u00een Statele Unite ofer\u0103 <strong data-start=\"7174\" data-end=\"7211\">siguran\u021b\u0103, economie \u0219i practicitate<\/strong>, \u00een special pentru brazilienii care locuiesc, lucreaz\u0103 sau studiaz\u0103 \u00een \u021bar\u0103. Cu un cont activ, pute\u021bi <strong data-start=\"7318\" data-end=\"7360\">primi\u021bi pl\u0103\u021bi mai u\u0219or<\/strong>, <strong data-start=\"7362\" data-end=\"7397\">evitarea costurilor de transfer<\/strong> e <strong data-start=\"7400\" data-end=\"7450\">\u00eencepe s\u0103 \u00ee\u0219i construiasc\u0103 via\u021ba financiar\u0103 \u00een SUA<\/strong>.<\/p><p class=\"\" data-start=\"7453\" data-end=\"7596\">\ud83d\udc49 <strong data-start=\"7456\" data-end=\"7596\">C\u0103uta\u021bi b\u0103nci, sorta\u021bi-v\u0103 documentele \u0219i \u00eencepe\u021bi ast\u0103zi. Deschiderea unei b\u0103nci este un pas important c\u0103tre stabilitatea dumneavoastr\u0103 \u00een SUA.<\/strong><\/p><p data-start=\"7453\" data-end=\"7596\">\ud83d\udc49 Fii cu ochii pe\u00a0<a href=\"https:\/\/jornal365.com.br\/\" target=\"_blank\" rel=\"noopener\">blog<\/a>\u00a0pentru urm\u0103toarele articole despre\u00a0<a href=\"https:\/\/www.instagram.com\/jornal.365\/\" target=\"_blank\" rel=\"noopener\">Ziar 365<\/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\/ro\/wp-json\/wp\/v2\/posts\/6003","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cosviral.com\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cosviral.com\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cosviral.com\/ro\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cosviral.com\/ro\/wp-json\/wp\/v2\/comments?post=6003"}],"version-history":[{"count":0,"href":"https:\/\/cosviral.com\/ro\/wp-json\/wp\/v2\/posts\/6003\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cosviral.com\/ro\/wp-json\/wp\/v2\/media\/6819"}],"wp:attachment":[{"href":"https:\/\/cosviral.com\/ro\/wp-json\/wp\/v2\/media?parent=6003"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cosviral.com\/ro\/wp-json\/wp\/v2\/categories?post=6003"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cosviral.com\/ro\/wp-json\/wp\/v2\/tags?post=6003"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/cosviral.com\/ro\/wp-json\/wp\/v2\/post_folder?post=6003"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}