Connecting Immigrants with Banks Offering Russian/Ukrainian-Language Customer Service

Stage 1: Client Needs Analysis and Bank Selection

Consultant's Actions:

• Conducting a brief survey or online meeting with the client (immigration purpose, account type - personal or business, SSN/ITIN availability, etc.).
• Determining the region of current/planned residence.
• Compiling a list of banks that:

1. accept clients without SSN;
2. provide service in Russian or Ukrainian;
3. offer online/mobile banking with corresponding language support;

• Selecting at least 3 suitable banks meeting the criteria, considering account opening convenience.

Stage 2: Application Preparation / Account Opening

Consultant's Actions:

• Verification of client documents (passport, ITIN or TPS/asylum/humanitarian parole documents).
• Providing templates for additional required documents (proof of address, employment letter, etc.).
• Assistance with bank form completion (remotely through client if needed).
• Selection of most convenient bank communication method (online application, phone, or branch visit).

Stage 3: Establishing Direct Communication with the Bank

Consultant's Actions:

• Arranging a bank call or visit with translation or accompaniment services.
• Submitting official requests or recommendation letters to the bank (when needed).
• Providing guidance on banking services considering language needs (locating Russian/Ukrainian speaking bank representatives).
• Training the client on future bank interactions (online services, support, interface language settings, etc.).

Stage 4: Account Opening Support and Initial Transactions

Consultant's Actions:

• Participation in the account opening procedure (online/offline).
• Guidance on debit card activation and online banking setup.
• Explanation of account terms, fees, and transaction limits.
• Verification of proper account opening and first transaction execution (e.g., transfers to/from Ukraine).

Stage 5: Ongoing Support and Legal Clarification of Financial Matters

Consultant's Actions:

• Answering client questions regarding account functionality.
• Assistance with rejections or processing delays.
• Explanation of client rights in banking relationships (e.g., how to proceed if account is blocked).
• Providing templates for complaints or applications if legal issues with the bank arise.