An Individual Taxpayer Identification Number (ITIN) is a tax processing number issued by the IRS for people who need to file U.S. tax returns but don't qualify for a Social Security Number. Think of it as your financial identity card with the IRS. Whether you're a non-resident with U.S. income, a spouse of a U.S. taxpayer, or someone in another qualifying situation, an ITIN ensures you can meet your tax obligations and access certain financial services. It's a nine-digit number that starts with "9" and follows the same format as a Social Security Number.

Having an ITIN opens doors to building your financial foundation in the U.S., including the ability to open bank accounts at many institutions and establish credit history. It's about creating financial understanding and opportunity, regardless of your immigration status.