Find a US account that delivers

See how internationals moving to the US can save with Adro

Compare personal checking accounts

ZOLVE

CHASE

BoA

PNC

HSBC

Apply outside the US

No monthly fees forever

Google Pay and Apple Pay compatible

No fees on inbound wire transfers

$15 fee

Covered by FDIC¹

No overdraft fees

$34 fee

$36 fee

No minimum balance

This table is based on research conducted by Adro while referencing public websites on January 8, 2025. This information is considered correct at the time of publishing. Information may differ when you visit a product page at a later date. Products compared include: Adro Checking, Zolve Checking, Chase College Checking, Bank of America Advantage SafeBalance Banking, PNC Virtual Wallet Student, HSBC Premier Checking.

¹The deposit accounts you open through Adro are held at FDIC member-bank, Stearns Bank N.A., which can protect Adro customers up to the $250,000 limit with what is known as “pass-through deposit insurance.”

Compare personal credit cards

ZOLVE

CHASE

BoA

PNC

HSBC

Apply outside the US

No SSN/ITIN required to sign up

No credit check

No annual fee

No foreign transaction fee

3% fee

No interest charges²

Up to 32%
interest

Up to 25.99%
interest

Up to 28.24%
interest

Up to 24.74%
interest

Up to 24.49%
interest

Set your own credit or spending limit

This table is based on research conducted by Adro while referencing public websites on January 8, 2025. This information is considered correct at the time of publishing. Information may differ when you visit a product page at a later date. Products compared include: Adro World Mastercard, Zolve Credit Card, Chase Freedom Rise Credit Card, Bank of America Customized Cash Rewards for Students, PNC Secured Visa, HSBC Premier Credit Card.

²Interest rates are provided as an annual percentage yield or APY.

Got questions?

What's the difference between a checking account and credit card?

A checking account is where you keep money for daily transactions like paying bills or withdrawing cash. You can use a debit card linked to your checking account to make purchases. If you get paid from an employer, most people will set up direct deposit so your salary or wages are paid into a checking account.

A credit card can also be used to make purchases. However, it typically has added benefits such as cashback or rewards as a percentage of your transaction spending, purchase protection and helps with building a credit score.

Which account is right for me?

You can choose to open a checking account (with debit card), or a credit card or both. We recommend opening both an Adro checking account and credit card.

What's the difference between Adro personal and business accounts?

Personal accounts are designed for individual use, such as managing your income, expenses and savings.

Business accounts are created specifically for businesses to manage their finances. If you own a business (which includes freelancers, contract workers, startups, entrepreneurs, etc.), you'll need to keep that money and any transactions separate from your personal accounts. Learn more

As featured in:

Managing finances in a foreign country can be overwhelming, but with the right tools, it can become a breeze. Enter Adro, your financial companion for this exciting chapter.

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Combining no-fee checking and savings accounts with a credit card designed specifically for internationals, Adro is redefining financial accessibility for newcomers to the U.S.

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When you open an Adro World Mastercard, you'll earn 1% cashback on eligible purchases. You can open your account from India, before you even come to the USA.

Keep reading

Managing finances in a foreign country can be overwhelming, but with the right tools, it can become a breeze. Enter Adro, your financial companion for this exciting chapter.

Keep reading

Combining no-fee checking and savings accounts with a credit card designed specifically for internationals, Adro is redefining financial accessibility for newcomers to the U.S.

Keep reading

When you open an Adro World Mastercard, you'll earn 1% cashback on eligible purchases. You can open your account from India, before you even come to the USA.

Keep reading

Adro launches in 2024

$0 fees on incoming wire transfers

Try a US account actually designed for internationals

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