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Use your ITIN

Get a loan, open a checking account, and more

All Express CU financial products and services are available to individuals who use an Individual Taxpayer Identification Number (ITIN) to file their taxes.

You must live or work in Washington State to be eligible to open an account and access loans with Express CU.

ITIN Services Calendar

During the 2024 tax season Express Certified Acceptance Agents will be located at various United Way of King County Free tax preparation sites from Jan-April. No appointments needed at these locations. 206-622-1850 or email

United Way King County (UWKC) Free tax preparation locations with Express ITIN services available. Jan-April 2024.

Site Name Schedule
El Centro De La Raza Mondays


White Center Library Tuesdays

Lake City Library Wednesdays

Seattle Central Library Wednesdays


South Park Library Thursdays

Federal Way Multi Service Center Thursdays


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 and we can reply and find a time to connect to review the documentation necessary for your case.

Need help completing your taxes?

When should I renew my ITIN?

Check out this IRS publication* for details on expiring numbers. If your ITIN wasn’t included on a U.S. federal tax return at least once for tax years 2020, 2021, and 2022, your ITIN will expire on December 31, 2023.

Where can I find more information about ITIN?

The IRS FAQ page has a lot of helpful information. We suggest you check that page our first, and if you still have questions feel free to give us a call 206-622-1850!

If you have an existing ITIN and can’t remember what the number is, or aren’t sure if you need to renew, you can call the ITIN hotline at 800-908-9982. Note that this is for individuals who already have an existing ITIN.

Can Express CU help me with the ITIN process?

We’re happy to help! Please call us at 206-622-1850 during business hours (M-F, 9am-5pm) or email to schedule an appointment at our office.

For Our Community Partners

We’d love to help the members of your community, business, or group with the ITIN process!

Our ‘pop-up’ Express CU CAA team can visit your event, answer ITIN questions, and facilitate ITIN applications.

If you’d like to invite our team to your event, please email We’ll discuss event details and provide a quote for your event (there is a fee for this service).

How to use your ITIN for accounts and loans

Start the process for membership online >

Start the process for a loan online >

To submit a phone application, call us at (206) 622-1850 from 10 am - 5 pm, Monday through Friday.

You can also visit us in person at 1930 6th Ave. S Suite 104 Seattle, WA 98134 (free parking).

Account Types


  • $5 minimum deposit
  • 0.12% interest

Learn more about savings accounts.


  • $0 minimum deposit
  • No maintenance fees
  • Shared branching network — access your Express account through other credit union branches
  • Future loan rate discounts for using a checking account

Learn more about checking accounts.

Business Checking & Savings

  • $5 minimum deposit

Call us at 206-622-1850 or email us at to start the business account process.

Youth Accounts

  • $5 minimum deposit
  • Great tool for teaching kids the value of saving money and how to responsibly utilize a bank account

Learn more about youth accounts.

Certificate of Deposit

Whether you’re looking for a short-term savings solution or a long-term way to save and earn some extra money, to help reach your financial goals, we have CD options for you. Benefits of CD’s include:

  • Fixed rate
  • Higher returns
  • Predictable returns
  • Security

Learn about our Certificate of Deposit options.

Loan Types

Auto Loan Refinance

When you bought your car, did the dealership help you finance the purchase? You may be paying an extremely high interest rate. We can help you save money on interest payments and get you a lower monthly payment.

Learn about our auto loan refinance.

Personal Loans

Express CU offers a wide range of personal loans to meet needs like home appliances, medical bills, and emergency expenses. We also offer loans to help build your credit history or to help you consolidate multiple bills into a single payment.

Learn about our personal loans.

Credit Building Products

At Express CU, we want to help you build the foundation for a successful financial future. Whether you need assistance building or rebuilding your credit, financial coaching, or managing your budget, our team is ready and waiting for you!

Learn about our credit building products.

Credit Cards

Feel the financial freedom that comes from a credit card designed to serve YOU. Wherever life takes you, rest assured that our Visa® Credit Card is ready to provide you with the purchasing power and stability that you need to express yourself to the fullest!

Learn about our credit cards.

Free Financial Coaching

We have partnered with GreenPath Financial Wellness to help you easily and confidently navigate through your financial journey. We can assist you with:

  • Debt management
  • Credit report review
  • Housing services
  • Financial counseling

Learn about our FREE financial coaching.

ITIN Testimonials

Como te ayudo Express CU a cumplir tus objetivos financieros y los de tu familia?

Al aceptar el ITIN. Me ha ayudado bastante, ahora puedo sentir más cómodo haciendo mis transacciones crediticias, específicamente me ayudo a bajar considerablemente la tasa de interés en mis prestamos, muchas gracias.”

- Antonio, Express CU Member