Use your ITIN

What is an ITIN?

• An ITIN is a tax processing number issued by the Internal Revenue Service (IRS).
• The IRS issues ITINs to individuals who are required to have a U.S. taxpayer identification number but who do not have, and are not eligible to obtain, a Social Security number (SSN) from the Social Security Administration (SSA).
• An ITIN can be used to open a bank account, establish credit, obtain identification documentation (depending on the state), earn interest, and pay state and federal taxes.
• ITIN holders in Washington state and their dependents are also eligible to receive the WA family tax credit. An ITIN is not eligible to use as work authorization.

Express CU as a Certified Acceptance Agent

Express CU is a Certified Acceptance Agent (CAA) with the IRS. Our bilingual team (English/ Spanish) can help you and your family complete an application to get an ITIN for the first time or complete your Renewal Application by sending in copies of your documents.

Apply or Renew an ITIN (when accompanying a tax return)

• Applicants may apply for a renewing ITIN when completing a tax return prior to submitting.
• No Express CU membership is necessary.

Visit one of the sites above Jan-April or call us 206-622-1850 to speak with an Express CU CAA.

Apply or Renew an ITIN (outside of tax season) without tax return

If you are applying for or renewing your ITIN outside tax season, without a tax return, you’ll need to establish a bank account and apply for ITIN at the same time.

1. Applicants applying without a completed tax return must open an Express CU account.
   1. Complete ITIN Application (W7) and open an account at the same time
   2. Have necessary documentation to complete ITIN application (typically Passport or Birth Certificate and WA state ID)
2. $50 deposit required at opening of account. You may use the savings and checking account for deposits and day to day spending. This is your account. Access your funds through shared branch locations (other credit unions) and the CO-OP ATM network. Review balances through online banking or call us M-F.
3. You will receive a letter in the mail from the IRS assigning the tax identification number.
4. In the meantime, you are able to use your Express CU account savings and checking account.
5. Once the ITIN is assigned, you may:
   1. Start building credit and accessing loan products to build credit score and financial history in the US.
   2. Access tax benefits when filing tax return (Express does not offer tax assistance).
   3. Use your ITIN to establish a business

Call 206-622-1850 to speak with an Express CU CAA or email ITIN@expresscu.org and we can reply and find a time to connect to review the documentation necessary for your case.