{"id":6003,"date":"2025-05-11T08:30:00","date_gmt":"2025-05-11T08:30:00","guid":{"rendered":"https:\/\/jornal365.com.br\/?p=6003"},"modified":"2025-12-26T04:14:21","modified_gmt":"2025-12-26T04:14:21","slug":"bankovy-ucet-v-usa-ako-imigrant","status":"publish","type":"post","link":"https:\/\/jornal365.com.br\/sk\/emprego\/conta-bancaria-nos-eua-sendo-imigrante\/","title":{"rendered":"Ako si ako pris\u0165ahovalec otvori\u0165 bankov\u00fd \u00fa\u010det v USA: krok za krokom"},"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;\">Inzer\u00e1ty<\/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>Ak ste Braz\u00edl\u010dan a \u017eijete v Spojen\u00fdch \u0161t\u00e1toch alebo sa chyst\u00e1te \u017ei\u0165 v tejto krajine, <strong data-start=\"477\" data-end=\"513\">otvorenie bankov\u00e9ho \u00fa\u010dtu v USA<\/strong> je jednou z prv\u00fdch a najd\u00f4le\u017eitej\u0161\u00edch \u00faloh. Bez akt\u00edvneho \u00fa\u010dtu budete ma\u0165 probl\u00e9m <strong data-start=\"611\" data-end=\"630\">dost\u00e1va\u0165 plat<\/strong>, <strong data-start=\"632\" data-end=\"650\">pren\u00e1jom nehnute\u013enost\u00ed<\/strong>, <strong data-start=\"652\" data-end=\"676\">nakupovanie online<\/strong> alebo dokonca zaplati\u0165 z\u00e1kladn\u00e9 \u00fa\u010dty.<\/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\/sk\/zamestnanie\/pracovne-miesta-v-usa-ktore-zamestnavaju-brazilcanov\/\">\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 Pozrite si spolo\u010dnosti v USA, ktor\u00e9 zamestn\u00e1vaj\u00fa Braz\u00edl\u010danov<\/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\">Pre\u010do by si Braz\u00edl\u010dania mali otvori\u0165 bankov\u00fd \u00fa\u010det v USA?<\/h2><p class=\"\" data-start=\"1100\" data-end=\"1236\">V\u00e4\u010d\u0161ina finan\u010dn\u00fdch slu\u017eieb v USA vy\u017eaduje, aby ste mali akt\u00edvny \u00fa\u010det. Tu s\u00fa hlavn\u00e9 d\u00f4vody, pre\u010do toto rozhodnutie neodklada\u0165:<\/p><h3 class=\"\" data-start=\"1238\" data-end=\"1307\">1. <strong data-start=\"1245\" data-end=\"1305\">Pr\u00edjem mzdy priamo od americk\u00fdch zamestn\u00e1vate\u013eov<\/strong><\/h3><p class=\"\" data-start=\"1308\" data-end=\"1495\">Spolo\u010dnosti v USA zvy\u010dajne neplatia v hotovosti ani medzin\u00e1rodn\u00fdmi prevodmi. Miestny \u00fa\u010det v\u00e1m u\u013eah\u010d\u00ed bezpe\u010dn\u00e9 a r\u00fdchle priame zasielanie mzdy.<\/p><h3 class=\"\" data-start=\"1497\" data-end=\"1541\">2. <strong data-start=\"1504\" data-end=\"1539\">Vyhnite sa vysok\u00fdm v\u00fdmenn\u00fdm kurzom<\/strong><\/h3><p class=\"\" data-start=\"1542\" data-end=\"1752\">Bez americk\u00e9ho \u00fa\u010dtu budete musie\u0165 neust\u00e1le prev\u00e1dza\u0165 peniaze z Braz\u00edlie, plati\u0165 IOF a nev\u00fdhodn\u00e9 v\u00fdmenn\u00e9 kurzy. S americk\u00fdm \u00fa\u010dtom ve\u013ea u\u0161etr\u00edte, ak budete svoje peniaze pres\u00fava\u0165 na mieste.<\/p><h3 class=\"\" data-start=\"1754\" data-end=\"1803\">3. <strong data-start=\"1761\" data-end=\"1801\">Pr\u00edstup k debetn\u00fdm a kreditn\u00fdm kart\u00e1m<\/strong><\/h3><p class=\"\" data-start=\"1804\" data-end=\"1978\">S akt\u00edvnym \u00fa\u010dtom m\u00f4\u017eete po\u017eiada\u0165 o karty, ktor\u00e9 s\u00fa v krajine be\u017ene akceptovan\u00e9, \u010do u\u013eah\u010duje fyzick\u00e9 a online n\u00e1kupy a predplatn\u00e9 slu\u017eieb, ako s\u00fa Amazon, Netflix at\u010f.<\/p><h3 class=\"\" data-start=\"1980\" data-end=\"2042\">4. <strong data-start=\"1987\" data-end=\"2040\">Jednoduch\u00fd pren\u00e1jom nehnute\u013enost\u00ed a n\u00e1kup produktov<\/strong><\/h3><p class=\"\" data-start=\"2043\" data-end=\"2220\">Mnoh\u00ed prenaj\u00edmatelia a n\u00e1jomn\u00e9 spolo\u010dnosti vy\u017eaduj\u00fa pri zmluv\u00e1ch doklad o bankovom \u00fa\u010dte. Okrem toho platba miestnou kartou zabra\u0148uje blokovaniu medzin\u00e1rodn\u00fdch transakci\u00ed.<\/p><h3 class=\"\" data-start=\"2222\" data-end=\"2274\">5. <strong data-start=\"2229\" data-end=\"2272\">Vytv\u00e1ranie finan\u010dnej hist\u00f3rie v USA<\/strong><\/h3><p class=\"\" data-start=\"2275\" data-end=\"2445\">Akt\u00edvny a dobre funguj\u00faci \u00fa\u010det pom\u00e1ha budova\u0165 va\u0161e kreditn\u00e9 sk\u00f3re, ktor\u00e9 je nevyhnutn\u00e9 na z\u00edskanie financi\u00ed, l\u00edzingu auta alebo dokonca nehnute\u013enosti v bud\u00facnosti.<\/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\/sk\/zamestnanie\/seja-afiliado-e-seja-o-seu-proprio-chefe\/\">\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 Otvoren\u00e9 poz\u00edcie v spolo\u010dnosti 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\/sk\/zamestnanie\/catho-empresas-infojobs-empesas-gupy-2025\/\">\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 Pr\u00e1ca pr\u00e1ve teraz: Catho spolo\u010dnosti, 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\">Najlep\u0161ie banky pre Braz\u00edl\u010danov na otvorenie \u00fa\u010dtu v USA<\/h2><p class=\"\" data-start=\"2514\" data-end=\"2644\">Tu je preh\u013ead najvhodnej\u0161\u00edch b\u00e1nk pre Braz\u00edl\u010danov - najm\u00e4 t\u00fdch, ktor\u00e9 <strong data-start=\"2594\" data-end=\"2643\">prija\u0165 pas, ITIN alebo nieko\u013eko \u010fal\u0161\u00edch dokumentov<\/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\">Ve\u013ek\u00fd, tradi\u010dn\u00fd a s viacjazy\u010dnou podporou. Jedna z b\u00e1nk, ktor\u00e1 najviac prij\u00edma Braz\u00edl\u010danov so z\u00e1kladn\u00fdmi dokladmi. Umo\u017e\u0148uje otvorenie \u00fa\u010dtu s pasom a ITIN. Modern\u00e1 aplik\u00e1cia a pr\u00edstup k tis\u00edcom bankomatov.<\/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\u00e1lne pre t\u00fdch, ktor\u00ed chc\u00fa pohodlie. Je to banka s nieko\u013ek\u00fdmi pobo\u010dkami a prij\u00edma Braz\u00edl\u010danov s dokladom o pobyte, pasom a najlep\u0161ie ITIN. Kreditn\u00e9 karty so zauj\u00edmav\u00fdmi v\u00fdhodami.<\/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\">Ob\u013e\u00faben\u00e9 pre ponuku \u00fa\u010dtov s cenovo dostupn\u00fdmi minim\u00e1lnymi zostatkami. Efekt\u00edvne slu\u017eby a menej byrokracie pre cudzincov. Vynikaj\u00face mo\u017enosti pod\u00e1vania \u017eiadost\u00ed a jednoduch\u0161ie poskytovanie \u00faverov s \u010dasom pou\u017e\u00edvania.<\/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\">M\u00e1 poves\u0165 banky, ktor\u00e1 prij\u00edma cudzincov a umo\u017e\u0148uje otvorenie \u00fa\u010dtov len na z\u00e1klade cestovn\u00e9ho pasu. Slu\u017eby s\u00fa zvy\u010dajne \u013eudskej\u0161ie a niektor\u00e9 oddelenia pon\u00fakaj\u00fa podporu v portugal\u010dine.<\/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\">Ide\u00e1lne pre t\u00fdch, ktor\u00ed s\u00fa st\u00e1le v prechodnom obdob\u00ed medzi Braz\u00edliou a USA. Banka umo\u017e\u0148uje jednoduch\u00e9 otvorenie \u00fa\u010dtu s pasom, akceptuje braz\u00edlske pouk\u00e1\u017eky a dokonca umo\u017e\u0148uje r\u00fdchlej\u0161ie prevody medzi krajinami.<\/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\/sk\/zamestnanie\/pracovne-miesta-v-usa-ktore-zamestnavaju-brazilcanov\/\">\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 Pozrite si spolo\u010dnosti v USA, ktor\u00e9 zamestn\u00e1vaj\u00fa Braz\u00edl\u010danov<\/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\">Doklady potrebn\u00e9 na otvorenie bankov\u00e9ho \u00fa\u010dtu v USA<\/h2><p class=\"\" data-start=\"3872\" data-end=\"3963\">Hoci niektor\u00e9 banky s\u00fa flexibilnej\u0161ie, vo v\u0161eobecnosti sa vy\u017eaduj\u00fa tieto dokumenty:<\/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\">Platn\u00fd cestovn\u00fd pas<\/strong>hlavn\u00fd doklad akceptovan\u00fd ako doklad toto\u017enosti.<\/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\">Doklad o adrese v USA<\/strong>M\u00f4\u017ee to by\u0165 \u00fa\u010det za energie, \u00fa\u010det za vodu alebo n\u00e1jomn\u00e1 zmluva.<\/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 (identifika\u010dn\u00e9 \u010d\u00edslo da\u0148ovn\u00edka)<\/strong>N\u00e1hrada SSN pre t\u00fdch, ktor\u00ed nemaj\u00fa \u010d\u00edslo soci\u00e1lneho zabezpe\u010denia.<\/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\">Doklad o pr\u00edjme<\/strong> (v niektor\u00fdch pr\u00edpadoch): m\u00f4\u017ee to by\u0165 v\u00fdplatn\u00e1 p\u00e1ska, pracovn\u00e1 zmluva alebo list od zamestn\u00e1vate\u013ea.<\/p><\/li><\/ul><h2 class=\"\" data-start=\"4501\" data-end=\"4543\">Ako si otvori\u0165 \u00fa\u010det krok za krokom<\/h2><p class=\"\" data-start=\"4545\" data-end=\"4629\">Otvorenie bankov\u00e9ho \u00fa\u010dtu v USA m\u00f4\u017ee by\u0165 jednoduch\u00e9, ak budete postupova\u0165 pod\u013ea t\u00fdchto krokov:<\/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\">Vyh\u013eadajte banky s najlep\u0161\u00edmi podmienkami pre pris\u0165ahovalcov<\/strong><br data-start=\"4695\" data-end=\"4698\" \/>Porovnajte sadzby, v\u00fdhody, limity v\u00fdberu a po\u017eiadavky na dokument\u00e1ciu.<\/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\">Pripravte si po\u017eadovan\u00e9 dokumenty vopred<\/strong><br data-start=\"4827\" data-end=\"4830\" \/>Pripravte si k\u00f3pie a origin\u00e1ly, ako aj pevn\u00fa adresu, na ktor\u00fa budete dost\u00e1va\u0165 kore\u0161pondenciu.<\/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\">Rezervujte si stretnutie osobne (alebo online)<\/strong><br data-start=\"4965\" data-end=\"4968\" \/>V niektor\u00fdch bank\u00e1ch m\u00f4\u017eete proces za\u010da\u0165 na webovej str\u00e1nke a dokon\u010di\u0165 ho na pobo\u010dke.<\/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\">Vyberte si typ \u00fa\u010dtu: be\u017en\u00fd alebo sporiaci<\/strong><br data-start=\"5125\" data-end=\"5128\" \/>Be\u017en\u00e9 \u00fa\u010dty umo\u017e\u0148uj\u00fa denn\u00e9 transakcie. Sporiace \u00fa\u010dty s\u00fa ide\u00e1lne na ukladanie pe\u0148az\u00ed s pr\u00edjmom.<\/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\">Podp\u00ed\u0161te zmluvu, dostanete kartu a aktivujete si \u00fa\u010det.<\/strong><br data-start=\"5300\" data-end=\"5303\" \/>Fyzick\u00e1 karta pr\u00edde do nieko\u013ek\u00fdch dn\u00ed. Digit\u00e1lnu kartu m\u00f4\u017eete pou\u017ei\u0165 okam\u017eite.<\/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\">Stiahnite si ofici\u00e1lnu aplik\u00e1ciu banky na spr\u00e1vu svojho \u00fa\u010dtu<\/strong><br data-start=\"5455\" data-end=\"5458\" \/>To v\u00e1m umo\u017en\u00ed jednoducho sledova\u0165 transakcie, vykon\u00e1va\u0165 prevody a v\u00fdplatn\u00e9 p\u00e1sky.<\/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\/sk\/zamestnanie\/praca-pre-google\/\">\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 Vo\u013en\u00e9 pracovn\u00e9 miesta v spolo\u010dnosti Google: zistite, ako sa uch\u00e1dza\u0165 o zamestnanie<\/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\">\u010casto kladen\u00e9 ot\u00e1zky (FAQ)<\/h2><p class=\"\" data-start=\"6218\" data-end=\"6400\"><strong data-start=\"6218\" data-end=\"6272\">1. M\u00f4\u017eem si v USA otvori\u0165 bankov\u00fd \u00fa\u010det bez SSN?<\/strong><br data-start=\"6272\" data-end=\"6275\" \/>\u00c1no, banky ako Bank of Brazil Americas, TD Bank a Chase prij\u00edmaj\u00fa Braz\u00edl\u010danov s pasom a v niektor\u00fdch pr\u00edpadoch len s ITIN.<\/p><p class=\"\" data-start=\"6402\" data-end=\"6583\"><strong data-start=\"6402\" data-end=\"6450\">2. Mus\u00edm \u017ei\u0165 v USA, aby som si mohol otvori\u0165 \u00fa\u010det?<\/strong><br data-start=\"6450\" data-end=\"6453\" \/>Vo v\u0161eobecnosti \u00e1no. Existuj\u00fa v\u0161ak digit\u00e1lne banky a medzin\u00e1rodn\u00e9 mo\u017enosti, ktor\u00e9 umo\u017e\u0148uj\u00fa otvorenie na dia\u013eku, ak m\u00e1te adresu v USA.<\/p><p class=\"\" data-start=\"6585\" data-end=\"6743\"><strong data-start=\"6585\" data-end=\"6620\">3. Ak\u00e9 poplatky sa \u00fa\u010dtuj\u00fa?<\/strong><br data-start=\"6620\" data-end=\"6623\" \/>Niektor\u00e9 banky si \u00fa\u010dtuj\u00fa poplatok od 5 do 12 US$ mesa\u010dne, ak je zostatok ni\u017e\u0161\u00ed ako 1 500 US$. In\u00e9 pon\u00fakaj\u00fa \u00fa\u010dty zadarmo.<\/p><p class=\"\" data-start=\"6745\" data-end=\"6897\"><strong data-start=\"6745\" data-end=\"6797\">4. Ako dlho trv\u00e1 aktiv\u00e1cia \u00fa\u010dtu?<\/strong><br data-start=\"6797\" data-end=\"6800\" \/>Vo v\u00e4\u010d\u0161ine pr\u00edpadov sa \u00fa\u010det aktivuje v ten ist\u00fd de\u0148. Fyzick\u00e1 karta pr\u00edde do 10 pracovn\u00fdch dn\u00ed.<\/p><p class=\"\" data-start=\"6899\" data-end=\"7039\"><strong data-start=\"6899\" data-end=\"6935\">5. Existuje v USA digit\u00e1lne bankovn\u00edctvo?<\/strong><br data-start=\"6935\" data-end=\"6938\" \/>\u00c1no! Mo\u017enosti ako Chime a Wise pon\u00fakaj\u00fa digit\u00e1lne \u00fa\u010dty 100% s otvoren\u00edm online a n\u00edzkymi poplatkami.<\/p><h2 class=\"\" data-start=\"7046\" data-end=\"7104\">Oplat\u00ed sa otvori\u0165 si bankov\u00fd \u00fa\u010det v USA?<\/h2><p class=\"\" data-start=\"7106\" data-end=\"7451\"><strong data-start=\"7106\" data-end=\"7121\">Rozhodne!<\/strong> Otvorenie bankov\u00e9ho \u00fa\u010dtu v Spojen\u00fdch \u0161t\u00e1toch pon\u00faka <strong data-start=\"7174\" data-end=\"7211\">bezpe\u010dnos\u0165, hospod\u00e1rnos\u0165 a praktickos\u0165<\/strong>, najm\u00e4 pre Braz\u00edl\u010danov, ktor\u00ed v krajine \u017eij\u00fa, pracuj\u00fa alebo \u0161tuduj\u00fa. S akt\u00edvnym \u00fa\u010dtom m\u00f4\u017eete <strong data-start=\"7318\" data-end=\"7360\">jednoduch\u0161ie prij\u00edmanie platieb<\/strong>, <strong data-start=\"7362\" data-end=\"7397\">vyhn\u00fa\u0165 sa n\u00e1kladom na transfer<\/strong> e <strong data-start=\"7400\" data-end=\"7450\">za\u010d\u00edna budova\u0165 svoj finan\u010dn\u00fd \u017eivot v USA<\/strong>.<\/p><p class=\"\" data-start=\"7453\" data-end=\"7596\">\ud83d\udc49 <strong data-start=\"7456\" data-end=\"7596\">Vyh\u013eadajte banky, vybavte si dokumenty a za\u010dnite e\u0161te dnes. Bankov\u00e9 spojenie je d\u00f4le\u017eit\u00fdm krokom k va\u0161ej stabilite v USA.<\/strong><\/p><p data-start=\"7453\" data-end=\"7596\">\ud83d\udc49 Sledujte\u00a0<a href=\"https:\/\/jornal365.com.br\/sk\/\">blog<\/a>\u00a0pre \u010fal\u0161ie \u010dl\u00e1nky o\u00a0<a href=\"https:\/\/www.instagram.com\/jornal.365\/\" target=\"_blank\" rel=\"noopener\">Noviny 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":"","neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","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:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/posts\/6003","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/comments?post=6003"}],"version-history":[{"count":3,"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/posts\/6003\/revisions"}],"predecessor-version":[{"id":17748,"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/posts\/6003\/revisions\/17748"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/media\/6819"}],"wp:attachment":[{"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/media?parent=6003"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/categories?post=6003"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/tags?post=6003"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/jornal365.com.br\/sk\/wp-json\/wp\/v2\/post_folder?post=6003"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}