Introduction
Getting your visa or green card is one milestone. Building a real life in America is another. The United States can feel overwhelming at first — different systems, different rules, a different culture. But millions of immigrants have figured it out. You will too.
This pillar is a practical guide to daily life in America — the things no one tells you at the immigration interview. Banking. Credit scores. Driver’s licenses. Healthcare. Schools. Taxes. We explain each one in plain language so you can hit the ground running.
Banking in the U.S.
Opening a bank account is one of the first things you should do after arriving. A U.S. bank account lets you receive direct deposits, pay bills online, and build a financial track record in this country.
Most banks require a government-issued ID and your Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Some banks accept foreign passports and ITINs for new immigrants who do not yet have an SSN.
- Open a checking account for everyday spending and bill payment
- Open a savings account to set aside emergency funds
- Look for banks that offer free checking accounts — many charge monthly fees that can be waived
Understanding Credit Scores
In America, your credit score is one of the most important numbers in your financial life. It tells lenders, landlords, and even some employers how reliably you pay your bills. The score ranges from 300 to 850 — higher is better.
When you first arrive in the U.S., you have no credit history. This is called being ‘credit invisible.’ Building credit takes time but it is not hard. Some first steps:
- Open a secured credit card — you deposit money as collateral and use the card like a regular credit card
- Pay every bill on time — payment history is the biggest factor in your score
- Keep your credit card balance low — use less than 30% of your credit limit
- Do not apply for many credit cards at once — each application can temporarily lower your score
Getting a Driver’s License
Each state has its own rules for driver’s licenses. In most states, you need to pass a written knowledge test and a driving skills test. You also need to show proof of identity, proof of residency in the state, and your Social Security Number or proof that you are authorized to be in the U.S.
In Texas, the Department of Public Safety (DPS) handles driver’s licenses. Requirements for new immigrants include presenting specific immigration documents. Check the Texas DPS website for current requirements before visiting.
Healthcare in the U.S.
The U.S. healthcare system works differently from most countries. Most people get health insurance through their employer. Others buy it privately through the Health Insurance Marketplace. Green card holders and citizens may qualify for Medicaid or Medicare depending on their income and age.
- Employer-sponsored insurance: Your employer pays part of the premium, you pay the rest
- Marketplace insurance: Buy a plan online at healthcare.gov — subsidies may be available
- Medicaid: Free or low-cost insurance for low-income individuals and families
- Medicare: Federal insurance for people 65+ or with qualifying disabilities
Do not go without health insurance in the U.S. Medical bills without insurance can be catastrophic. Even a short hospital visit can cost tens of thousands of dollars.
Schools for Your Children
U.S. public schools are free for all children from kindergarten through 12th grade, regardless of immigration status. To enroll your child, you typically need proof of your address in the school district and your child’s age.
Public schools in the U.S. provide free education and many also offer English as a Second Language (ESL) programs to support students still learning English.
Taxes in the U.S.
If you live and work in the United States, you must pay taxes — federal income tax, state income tax (in most states), and Social Security and Medicare taxes (automatically deducted from your paycheck). Tax returns must be filed every year by April 15.
As an immigrant, your tax obligations depend on your visa status and how long you have been in the country. Green card holders and U.S. citizens must report all worldwide income.
Always consult a licensed CPA or tax professional for advice specific to your situation. MY-VIET can refer you to trusted tax professionals in our network.
Finding Housing
Most newcomers start by renting an apartment. Landlords typically require proof of income (or a co-signer), a credit check, and a security deposit. If you have no credit history, be honest with landlords and offer a larger deposit if needed.
- Look for apartments on Zillow, Apartments.com, or Craigslist
- Calculate total monthly costs: rent + utilities + internet + renter’s insurance
- Never rent a place you have not seen in person — or had someone you trust see
Finding a Job
Green card holders and U.S. citizens can work for any employer without restrictions. You need a Social Security Number to legally work. Your employer will have you fill out Form I-9 to verify your work authorization.
- Update your resume to U.S. format — one to two pages, no photo, no date of birth
- Build your professional network — many jobs are filled through connections, not job boards
- Use LinkedIn, Indeed, and professional associations in your field
- Be prepared for interviews in English — practice speaking clearly and confidently
Frequently Asked Questions
Do I need an SSN to open a bank account?
Not always. Some banks accept foreign passports and ITINs from new immigrants. Ask your bank about their requirements before applying.
Can my children attend public school if we are undocumented?
Yes. Under a 1982 Supreme Court ruling (Plyler v. Doe), all children have the right to attend public school regardless of immigration status. Schools cannot ask about immigration status.
How do I get a Social Security Number?
You apply at a Social Security Administration office. Bring your immigration documents and government-issued ID. Not all visa types are eligible for an SSN — some immigrants use an ITIN instead for tax purposes.