Get the peace of mind that your account is set up before you arrive in the U.S. or overseas. Open and fund a deposit account today.

To qualify, you’ll need to:

  • Be 18 or older
  • Have an account in good standing with MUFG Bank
  • Live in Japan when you apply for account opening
  • Move to the U.S. within 90 days and have a U.S. visa for work, training or studying - or move overseas to work in a government/embassy entity

Global Transition Solutions (GTS) Products

U.S. Bank Smartly® Checking

A U.S. Bank checking account that allows you to deposit money (such as a paycheck) and draw on that money for everyday purchases. The account offers the ability to draw on funds using a debit card or checks and online or mobile banking.

An opening deposit of at least $25 must be made within 30 days of receiving your welcome kit.

Fees waived for GTS customers: Monthly Maintenance and Minimum Balance 1

For more information on features and pricing, check out the Consumer Pricing Information under Useful materials below.

U.S. Bank Smartly® Savings

A U.S. Bank savings account allows you to hold money long-term and earn interest. In using this account, it helps to separate long term savings from everyday transactions. There is no check writing feature associated with this account. Funds can be accessed via an ATM using a debit or ATM card. Savings accounts are also accessible in mobile and online banking.

An opening deposit of at least $25 must be made within 30 days of receiving your welcome kit.

For more information on features and pricing, check out the Consumer Pricing Information under Useful materials below.

Elite money Market

A U.S. Bank account that allows you to hold money long-term and earn interest, often at higher rates than the Bank Smartly Savings account. This account gives you the ability to draw on funds using a debit card or checks.

An opening deposit of at least $100 must be made within 30 days of receiving your welcome kit.

For more information on features and pricing, check out the Consumer Pricing Information under Useful materials below.

Certificates of deposit (CDs)

A U.S. Bank certificate of deposit offers a higher interest rate than a traditional savings account, but you must leave your money untouched for an agreed upon time (also known as the CD Term Length). If funds are withdrawn from the account earlier than the term length, a fee will be charged. There is no debit card or check writing feature associated with this account.

Opening deposit amounts for the standard CD vary.

NOTE: This account is only available to Global Transition Solutions customers if they have an existing Bank Smartly Checking, Bank Smartly Savings or Elite Money Market account established first.

How to apply

Take the first step and start the referral process. Send a completed referral form to MUFG Bank along with copies of documents that verify your identity.

Get started in three simple steps

Step 1

Download and fill out a referral form at MUFG Bank website. Return the completed form to MUFG along with the requested identification documents.

Step 2

Once MUFG receives your completed referral form and identification documents, you’ll receive an email from U.S. Bank with a link inviting you to apply for a deposit account.

Step 3

Submit your application to U.S. Bank for review.

After you apply

Once your application is submitted, U.S. Bank will review your application and verify your identity. It is possible this step may include a video interview. If your application is approved, you will receive an approval email from U.S. Bank containing a digital Welcome Package.

The Welcome Package contains important information regarding your account, such as an account number. It will also contain instructions on completing your account setup, such as signing and returning your Signature Card and funding your account within 30 days of receiving your Welcome Kit.

Confirm you're moving to the U.S.

You’ll need a U.S. visa (excluding embassy and government applicants), or one of the following documents that shows you’ve applied for one:

  • Your DS-160 confirmation page
  • An email confirming your application for a DS-260 online immigrant visa and alien registration
  • An appointment with the U.S. embassy
  • Complete the Visa section of the application

Remittance Information for U.S. Bank Global Transition Solutions Customers

U.S. Bank provides secure ways to move money to and from U.S.-dollar accounts.

Learn more

Useful materials

Below, please find additional information related to our deposit products for customers living in Japan. If any support is needed, please contact the Japanese Customer Service Unit.1

English

Consumer Pricing Information (EN) (PDF)
Pricing information for consumer deposit products and related services

U.S. Bank Japan Privacy Agreement (EN) (PDF)
U.S. Bank’s legal privacy agreement for customers located in Japan

U.S Bank Substitute Form W-8BEN (EN) (PDF)
U.S. Bank’s version of the W-8BEN form used for non U.S. citizens that need to claim a reduced withholding tax rate on their U.S.-sourced income

Your Deposit Account Agreement (EN) (PDF)
General terms and conditions relating to your deposit account; includes information regarding electronic transfers and funds availability

Japanese

Consumer Pricing Information (JA) (PDF)
Pricing information for consumer deposit products and related services (in Japanese)

U.S. Bank Japan Privacy Agreement (JA) (PDF)
U.S. Bank’s legal privacy agreement for customers located in Japan (in Japanese)

U.S. Bank Substitute Form W-8 BEN Bilingual Reference Guide (JA) (PDF)
This is a bilingual reference guide to be used when filling out U.S. Bank’s version of the W-8BEN form. The customer must complete the W-8BEN form in English, which is used for non U.S. citizens that need to claim a reduced withholding tax rate on their U.S.-sourced income (in Japanese).

Get answers to your questions.

U.S. Visa

Until you arrive in the United States, you should not provide the U.S. address on the application. After you arrive, you can contact Japanese Customer Unit to make any necessary address adjustments. If your departure date to the U.S. is within 30 days, it is recommended to put your U.S. address in the mailing address field. This will ensure you receive anything mailed to you, as it may not make it to your Japanese address before you leave.

If you are a new customer, you will need to provide proof of applying for or receiving a visa. For customers that have applied for a visa, please provide the type of visa you applied for, the visa application number and the date your visa application was submitted. This information needs to be evidenced on the returned application. For customers that have received a visa, please provide the type of visa you applied for, the issue date, the visa number and the visa expiration date.

Application or receipt of visa is required for account opening. If you have not yet applied for a U.S. visa, we will be unable to process your application as a new customer.

General

You have 72 hours from the time the link is sent to complete your application. If your link expires, you can request a new link up to 30 days after the initial Invite to Apply email has been received.

Contact information is in the message that you receive when the link is expired.

Until you arrive in the United States, you should not provide the U.S. address on the application. After you arrive, you can contact Japanese Customer Service Unit to make any necessary address adjustments. If your departure date to the U.S. is within 30 days, it is recommended to put your U.S. address in the mailing address field. This will ensure you receive anything mailed to you, as it may not make it to your Japanese address before you leave.

During the new account opening process, all accounts must be opened as individual ownership accounts.

For a U.S. citizen, please make sure to provide your SSN information during account opening.

If we need more information about your application, we will schedule a video appointment with you via a system called Coconuts. Information on scheduling a Coconuts appointment, if necessary, should be sent by email within 1 business day after a fully completed application is received. A video appointment will take less than 10 minutes. This appointment must be completed within 30 days of the initial Invite to Apply email being received.

You will have 30 days to complete your application and any needed video appointments.

The approval letter/Welcome Kit will be received within 1 business day after the application has passed our initial review, including any need for a video appointment.

Upon receipt of your welcome kit, you will have 7 calendar days to complete the electronic signature card. In order to complete the signature card, you will need a U.S. or Japanese mobile phone number. Complete instructions for completing the signature card will be in your welcome kit. If you do not complete the electronic signature card within 7 calendar days, you will be mailed a paper welcome kit and have to complete an ink signature card.

Your welcome kit will contain instructions for funding your account. You may fund it using an International wire, deposit at a U.S. Bank branch (if you are already within the U.S.), internal transfer (via online banking or mobile) if you already have an account with U.S. Bank or sending via mail. You must fund your account within 30 days of receiving your welcome letter. If the account is not funded within 30 days from the date of the welcome letter, it will be closed.

Your debit or ATM card can take up to three weeks to be delivered in the mail. Your PIN number will come separately and may take longer. If you are arriving in the U.S. prior to 30 days from the time of your application, wait until you are in the U.S. to order your debit or ATM card and have it sent to your U.S. address or put your U.S. address in the mailing address fields on your application.

No, you do not need a debit/ATM card to remit a wire.

Smart Rewards

Smart Rewards is a rewards program offered to anyone who has a U.S. Bank Smartly Checking account. Smart Rewards has four tiers. The balances of your consumer checking, savings, money market and CD accounts combine to determine your current rewards and benefits tier. As a Global Transition Solutions customer, you will be automatically enrolled into the Primary tier with the minimum balance for the primary tier waived.

No, Smart Rewards enrollment is free.

As long as you have a U.S. Bank Smartly checking account and remain enrolled in Smart Rewards, the monthly maintenance fees will be waived on your checking, savings, and money market accounts.

If you do not have a Bank Smartly checking account and remain enrolled in Smart Rewards, then the monthly maintenance fees are as follows: 1

  • U.S. Bank Smartly Checking $6.95
  • Elite Money Market $10.00
  • U.S. Bank Smartly Savings $5.00

Japanese Customer Service Unit

Our Japanese-speaking staff is available to answer questions about U.S. Bank products and transactions.2

United States or a country other than Japan:

Telephone:

1-888-507-7669 (U.S. toll-free)

1-714-985-2136 (Standard calling charges apply.)

Fax:

1-866-236-9744 (U.S. toll-free)

1-714-985-2137 (Standard calling charges apply.)

Hours:

U.S. Pacific time

Monday to Friday

6 a.m. to 11 p.m.

Saturday & Sunday

Closed

*Closed on some public holidays in the U.S.

Japan:

Telephone:

0120-628-320 (Japan toll-free)

1-714-985-2136 (Standard calling charges apply.)

Fax:

0066-33-814689 (Japan toll-free)

1-714-985-2137 (Standard calling charges apply.)

Hours:

Japan Standard time

Monday

11 p.m. to midnight

Tuesday to Friday

Midnight to 4 p.m.

11 p.m. to midnight

Saturday

Midnight to 4 p.m.

Sunday

Closed

*Closed on some public holidays in the U.S.
**During U.S. Daylight Savings Time (a time of the year when clocks are turned forward one hour in the U.S. so that it gets dark later) from March to November, time will be up for 1 hour.

Start of disclosure content

Disclosures

  1. Refer to Your Deposit Account Agreement (PDF) and the Consumer Pricing Information (PDF) disclosure for a summary of fees, terms and conditions that apply.

  2. Some materials and services may only be available in English.  一部サービスや資料は英語のみでの対応となるのでご了承ください。

Start of disclosure content

U.S. Bank is a separate bank from MUFG Bank, Ltd. In addition, MUFG Bank, Ltd. does not guarantee the bank's ability to pay deposits.

MUFG Bank, Ltd. is only referring you to U.S. Bank and does not market products or services on behalf of U.S. Bank. All transactions will be made directly with U.S. Bank. U.S. Bank may refuse to open an account for you despite a referral. After opening an account, it can be closed at the discretion of U.S. Bank.

MUFG Bank, Ltd. employees cannot explain the details of U.S. Bank products to customers. Contact U.S. Bank directly to learn about product details.

U.S. Bank deposits are not covered by the Japanese deposit insurance system. Transactions must be made by individuals 18 or older. For more information, please visit the U.S. Bank website or contact the Japanese Customer Service Unit.

U.S. Bank products and services are subject to change without notice. U.S. Bank services are targeted to U.S. residents. Japanese residents who do not plan to reside in the United States are not eligible to apply for the services described on this website.

Deposit products are offered by U.S. Bank National Association. Member FDIC.