ITIN Services
You can use an ITIN (Individual Taxpayer Identification Number) to become a member of Express
Credit Union. Membership provides access to all of our financial services, including bank accounts, loans,
credit building tools, and more.
Whether you need help applying for an ITIN, renewing an existing ITIN, or would like to use
your ITIN for products like loans, we’re here to help!
Get help with your ITIN
Express provides ITIN services at various locations during tax season. See schedule here.
Something else? Give us a call at 206-622-1850 or email ITIN@expresscu.org .
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. The IRS website has many resources and information about what documents are accepted for ITIN applications. To see a list of acceptable supporting documents you can visit their page here*
ITIN Services Calendar
Starting 1/27/2025 Express CU Certified Acceptance Agents will be onsite at United Way Free Tax Prep locations. See the calendar below for locations and times. These locations do not take appointments and are first come first serve. Read below to see what documents you need to bring with you. You can also call us at 206-622-1850 or email us at ITIN@expresscu.org to talk about your situation and coordinate a time to finalize your ITIN application.
| Site Name | Schedule |
|---|---|
| Lake City Customer Service Center |
Wednesdays
(Bi-weekly starting 2/5/25) 5pm-9pm |
| White Center Library |
Tuesdays
1pm-5pm |
| South Park Library |
Saturdays
11am-5pm Sundays 11am-5pm |
| El Centro De La Raza |
Tuesdays
5pm-9pm Wednesdays 5pm-9pm |
| Federal Way Multi Service Center |
Tuesdays
5:30pm-9:30pm Thursdays 5:30pm-9:30pm |
To see all United Way of King County Free tax prep locations and hours click here.
Apply for or Renew an ITIN
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.
If you are applying for/renewing an ITIN during tax season, with an accompanying tax return:
- Applicants may apply for or renew an ITIN when completing a tax return, prior to submitting to the taxes.
- No Express CU membership is necessary.
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. If you need help completing your taxes, you can find a FREE United Way of King County (UWKC) tax preparation site here*, along with additional resources.
If you are applying for/renewing an ITIN outside of tax season, without a 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.
- Applicants applying without a completed tax return must open an Express CU account. This is called our
Transition account.
- Our agents will help you complete the ITIN Application (W7) and open an account at the same time.
- Have necessary documentation to complete ITIN application (typically Passport or Birth Certificate and WA state ID).
- Your account will be opened. 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.
- Both you and Express (the CAA) will receive a letter in the mail from the IRS assigning the tax identification number.
- Once the ITIN is assigned, you may:
- Start building credit and accessing loan products to build credit score and financial history in the US.
- Access tax benefits when filing tax return (Express does not offer tax assistance).
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.
Open an Account with Express CU
Express CU members can use their ITIN to open any of the accounts below.
If you are not a Express CU member yet, start by applying here.
Savings
- $5 minimum deposit
- 0.12% interest
Checking
- $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
Business Checking & Savings
- $5 minimum deposit
Call us at 206-622-1850 or email us at ITIN@expresscu.org 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
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
Personal Loans, Credit Cards, and Auto Loan Refinancing
Express CU members can use their ITIN to apply for the loans, auto loan refinancing and credit cards described below.
If you are not a Express CU member yet, start by applying here.
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.
Credit Card
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!
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 Express CU Rates and Fees.
Build Your Credit
Express CU members can use their ITIN to access our credit building products.
If you are not a Express CU member yet, start by applying here.
Whether you need assistance building or rebuilding your credit, financial counseling, or managing your budget, our team is ready and waiting to help you build the foundation for a successful financial future.
Financial Counseling & Education
Express CU members can use their ITIN to access FREE financial services like debt management, credit report review, housing services, and financial counseling.
If you are not a Express CU member yet, start by applying here.
FAQ
When should I renew my ITIN?
Check out this IRS publication* for details on expiring numbers. If an ITIN isn’t used on a U.S. federal tax return for any 3 consecutive tax years, it expires on December 31 after the third tax year of non-use.
Where can I find more information about ITIN?
The IRS website has many resources and information about what documents are accepted for ITIN applications. To see a list of acceptable supporting documents you can visit their page here*.
Can Express CU help me with the ITIN process?
Yes, as a Certified Acceptance Agent (CAA) we can complete the W7 application and verify your identity documentations and mail copies into the IRS. During tax season you can visit us at one of the tax sites listed on the calendar, give us a call M-F from 10am-5pm or email us at ITIN@expresscu.org with your questions and we’ll respond as soon as we can.
Do you provide ITIN event or community services?
Yes, 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 ITIN@expresscu.org. We’ll discuss event details and provide a quote for your event (there is a fee for this service).
What if I don’t know my ITIN or need a replacement letter?
Many times you will need to show proof of your ITIN and the letter from the IRS is one of the best ways. If you lost your letter or don’t remember what your ITIN is, you can call the IRS ITIN support line at 1-800-908-9982. An IRS agent can help you with your request.
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