{"id":25491,"date":"2022-12-27T07:53:51","date_gmt":"2022-12-27T12:53:51","guid":{"rendered":"https:\/\/website-new.qa.mpowerfinancing.com\/zh\/blog\/5-reasons-to-open-a-u-s-bank-account-when-studying-in-america\/"},"modified":"2025-08-05T02:01:04","modified_gmt":"2025-08-05T02:01:04","slug":"5-reasons-to-open-a-u-s-bank-account-when-studying-in-america","status":"publish","type":"post","link":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-reasons-to-open-a-u-s-bank-account-when-studying-in-america\/","title":{"rendered":"\u5728\u7f8e\u56fd\u5b66\u4e60\u65f6\u5f00\u8bbe\u7f8e\u56fd\u94f6\u884c\u8d26\u6237\u76845\u4e2a\u7406\u7531"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">\u79bb\u5f00\u81ea\u5df1\u7684\u7956\u56fd\uff0c\u524d\u5f80\u7f8e\u56fd\u5927\u5b66\u5b66\u4e60\uff0c\u8fd9\u662f\u4e00\u4e2a\u9700\u8981\u89c4\u5212\u7684\u8fc7\u6e21\u3002\u4f46\u662f\uff0c\u7269\u6d41\u5de5\u4f5c\u5e76\u6ca1\u6709\u5c31\u6b64\u505c\u6b62\u3002\u5728\u60a8\u5728\u7f8e\u56fd\u5b66\u4e60\u7684\u540c\u65f6\uff0c\u91cd\u65b0\u8c03\u6574\u60a8\u7684\u8d44\u91d1\u7ba1\u7406\u65b9\u5f0f\u4e5f\u662f\u5fc5\u8981\u7684\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u5c3d\u7ba1\u60a8\u53ef\u80fd\u80fd\u591f\u8bbf\u95ee\u60a8\u5728\u5bb6\u4e61\u7684\u94f6\u884c\u8d26\u6237\uff0c\u6216\u8005\u5df2\u7ecf\u5b89\u6392\u4e86\u901a\u8fc7\u7535\u6c47\u4ece\u5bb6\u4eba\u90a3\u91cc\u83b7\u5f97\u8d22\u52a1\u63f4\u52a9\uff0c\u4f46\u8fd9\u6837\u505a\u9700\u8981\u65f6\u95f4\uff0c\u4e0d\u4fbf\uff0c\u4e14\u53ef\u80fd\u4ea7\u751f\u6210\u672c\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u76f8\u6bd4\u4e4b\u4e0b\uff0c\u4f5c\u4e3a\u56fd\u9645\u5b66\u751f\u5728\u7f8e\u56fd\u5f00\u8bbe\u94f6\u884c\u8d26\u6237\u5bf9\u4e8e\u77ed\u671f\u548c\u957f\u671f\u90fd\u6709\u8bb8\u591a\u4f18\u52bf\u3002<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">\u5728\u7f8e\u56fd\u5f00\u8bbe\u94f6\u884c\u8d26\u6237\u76845\u4e2a\u597d\u5904<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">\u65e0\u8bba\u60a8\u662f\u6253\u7b97\u5728\u6bd5\u4e1a\u540e\u8fd4\u56de\u7956\u56fd\uff0c\u8fd8\u662f\u5728\u7f8e\u56fd\u5de5\u4f5c\uff0c\u62e5\u6709\u7f8e\u56fd\u94f6\u884c\u8d26\u6237\u90fd\u53ef\u4ee5\u4f7f\u65e5\u5e38\u91d1\u94b1\u4ea4\u6613\u66f4\u7b80\u5355\uff0c\u540c\u65f6\u5982\u679c\u60a8\u6253\u7b97\u957f\u671f\u7559\u5728\u7f8e\u56fd\uff0c\u5b83\u4e5f\u53ef\u4ee5\u4e3a\u60a8\u5efa\u7acb\u8d22\u52a1\u57fa\u7840\u3002\u4ee5\u4e0b\u662f\u4f5c\u4e3a\u56fd\u9645\u5b66\u751f\u5728\u7f8e\u56fd\u5f00\u8bbe\u94f6\u884c\u8d26\u6237\u7684\u4e94\u4e2a\u7406\u7531\u3002<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">1. \u94f6\u884c\u8d26\u6237\u53ef\u4ee5\u4fdd\u969c\u60a8\u7684\u8d44\u91d1\u5b89\u5168<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u968f\u8eab\u643a\u5e26\u73b0\u91d1\u6216\u8005\u5c06\u73b0\u91d1\u5b58\u653e\u5728\u5bbf\u820d\u6216\u516c\u5bd3\u4e2d\u662f\u6709\u98ce\u9669\u7684\u3002\u7531\u4e8e\u73b0\u91d1\u96be\u4ee5\u8ffd\u8e2a\uff0c\u5982\u679c\u60a8\u4e22\u5931\u4e86\u73b0\u91d1\u6216\u8005\u73b0\u91d1\u88ab\u76d7\uff0c\u60a8\u65e0\u6cd5\u627e\u56de\u60a8\u7684\u94b1\u3002\u5982\u679c\u60a8\u9677\u5165\u8fd9\u79cd\u56f0\u5883\uff0c\u65e0\u6cd5\u53ca\u65f6\u83b7\u53d6\u8d44\u91d1\uff0c\u53ef\u80fd\u4f1a\u5f71\u54cd\u60a8\u652f\u4ed8\u5b66\u8d39\u548c\u5b66\u6821\u8d26\u5355\u3001\u4f4f\u623f\u548c\u4e00\u822c\u8d39\u7528\u7684\u80fd\u529b\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u672c\u5730\u94f6\u884c\u8d26\u6237\u6bd4\u643a\u5e26\u73b0\u91d1\u63d0\u4f9b\u66f4\u5927\u7684\u4fdd\u62a4\uff0c\u51e0\u4e4e\u53ef\u4ee5\u540c\u6837\u65b9\u4fbf\u5730\u8bbf\u95ee\u3002\u8981\u4ece\u94f6\u884c\u8d26\u6237\u4e2d\u53d6\u6b3e\uff0c\u94f6\u884c\u548c\u5546\u5bb6\u901a\u5e38\u9700\u8981\u4e00\u5f20\u7167\u7247\u8eab\u4efd\u8bc1\uff08\u548c\/\u6216\u501f\u8bb0\u5361\u6216\u4fe1\u7528\u5361\uff09\u548c\/\u6216\u4e0e\u8d26\u6237\u5173\u8054\u7684\u4e2a\u4eba\u8bc6\u522b\u53f7\uff08PIN\uff09\u3002<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">2. \u94f6\u884c\u8d26\u6237\u63d0\u4f9b\u8d2d\u7269\u7075\u6d3b\u6027<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u5e76\u975e\u6240\u6709\u5546\u5bb6\u90fd\u63a5\u53d7\u6240\u6709\u7c7b\u578b\u7684\u4ed8\u6b3e\u3002\u4e00\u4e9b\u96f6\u552e\u5546\u53ea\u63a5\u53d7\u73b0\u91d1\uff0c\u800c\u5176\u4ed6\u4e00\u4e9b\u5219\u53ea\u63a5\u53d7\u65e0\u73b0\u91d1\u652f\u4ed8\u3002\u5728\u7f8e\u56fd\u5b66\u4e60\u671f\u95f4\u62e5\u6709\u672c\u5730\u94f6\u884c\u8d26\u6237\u53ef\u4ee5\u63d0\u4f9b\u591a\u79cd\u652f\u4ed8\u65b9\u5f0f\u7684\u4fbf\u5229\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u8bb8\u591a\u7f8e\u56fd\u91d1\u878d\u673a\u6784\u90fd\u6709\u79fb\u52a8\u94f6\u884c\u5e94\u7528\u7a0b\u5e8f\uff0c\u8ba9\u60a8\u53ef\u4ee5\u901a\u8fc7\u624b\u673a\u8fdb\u884c\u65e0\u63a5\u89e6\u652f\u4ed8\u3002\u6709\u4e86\u7f8e\u56fd\u94f6\u884c\u8d26\u6237\uff0c\u60a8\u8fd8\u53ef\u4ee5\u8f7b\u677e\u5730\u5728\u7ebf\u8d2d\u7269\uff0c\u6216\u8005\u4f7f\u7528\u8d26\u6237\u7684\u501f\u8bb0\u5361\u4ece\u8054\u7f51\u7684ATM\u673a\u4e2d\u53d6\u6b3e\u3002\u00a0\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">3. \u94f6\u884c\u8d26\u6237\u4fbf\u4e8e\u63a5\u6536\u52a9\u5b66\u91d1<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u5982\u679c\u60a8\u6b63\u5728\u63a5\u53d7\u5956\u5b66\u91d1\u6216\u56fd\u9645\u5b66\u751f\u52a9\u5b66\u91d1\u7684\u8d22\u52a1\u63f4\u52a9\uff0c\u60a8\u53ef\u80fd\u76f4\u63a5\u6536\u5230\u5b83\uff0c\u6216\u8005\u5b83\u53ef\u80fd\u4f1a\u88ab\u652f\u4ed8\u7ed9\u60a8\u7684\u5b66\u6821\u3002\u5728\u7f8e\u56fd\u5b66\u4e60\u65f6\uff0c\u5269\u4f59\u7684\u4efb\u4f55\u8d44\u91d1\u901a\u5e38\u4f1a\u9000\u8fd8\u7ed9\u60a8\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u5982\u679c\u6ca1\u6709\u672c\u5730\u94f6\u884c\u8d26\u6237\uff0c\u60a8\u53ef\u80fd\u4f1a\u4ee5\u7eb8\u8d28\u652f\u7968\u7684\u5f62\u5f0f\u6536\u5230\u8fd9\u7b14\u9000\u6b3e\uff0c\u4f46\u60a8\u9700\u8981\u5728\u53d1\u884c\u94f6\u884c\u7684\u5206\u884c\u5151\u73b0\u652f\u7968\uff0c\u8fd9\u53ef\u80fd\u5e76\u4e0d\u5728\u9644\u8fd1\uff0c\u6216\u8005\u53bb\u6536\u8d39\u7684\u5151\u73b0\u652f\u7968\u670d\u52a1\u5904\u3002\u8fd9\u4e24\u79cd\u9009\u9879\u90fd\u9700\u8981\u65f6\u95f4\u3001\u52aa\u529b\uff0c\u53ef\u80fd\u8fd8\u9700\u8981\u91d1\u94b1\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u62e5\u6709\u7f8e\u56fd\u94f6\u884c\u8d26\u6237\u53ef\u4ee5\u8ba9\u60a8\u7684\u8d22\u52a1\u63f4\u52a9\u76c8\u4f59\u7535\u5b50\u5b58\u5165\u60a8\u7684\u8d26\u6237\u3002\u8fd9\u4e2a\u9009\u9879\u8ba9\u60a8\u66f4\u65e9\u5730\u4f7f\u7528\u8fd9\u7b14\u94b1\uff0c\u4e5f\u66f4\u65b9\u4fbf\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u6b64\u5916\uff0c\u5982\u679c\u60a8\u6b63\u5728\u63a5\u53d7\u6765\u81ea\u56fd\u5916\u7684\u8d44\u91d1\uff0c\u901a\u8fc7\u672c\u5730\u94f6\u884c\u83b7\u53d6\u8fd9\u7b14\u94b1\u610f\u5473\u7740\u53ef\u4ee5\u907f\u514d\u5927\u90e8\u5206\u7684\u56fd\u9645\u4ea4\u6613\u8d39\u7528\u548c\u8d27\u5e01\u5151\u6362\u8d39\u7528\u3002<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">4. \u94f6\u884c\u8d26\u6237\u4f7f\u5f97\u6536\u5230\u5de5\u8d44\u66f4\u5bb9\u6613<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u5c06\u60a8\u7684\u5de5\u8d44\u81ea\u52a8\u5b58\u5165\u56fd\u5185\u94f6\u884c\u8d26\u6237\u9700\u8981\u66f4\u77ed\u7684\u5904\u7406\u65f6\u95f4\uff0c\u83b7\u53d6\u60a8\u7684\u6536\u5165\u7684\u8d39\u7528\u4e5f\u66f4\u5c11\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u65e0\u8bba\u60a8\u662f\u5728\u6821\u56ed\u5185\u5916\u5de5\u4f5c\uff0c\u8fd8\u662f\u901a\u8fc7\u6709\u85aa\u5b9e\u4e60\uff0c\u901a\u8fc7\u7f8e\u56fd\u94f6\u884c\u8d26\u6237\u6536\u53d6\u5de5\u8d44\u7b80\u5355\u5f97\u591a\u3002<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">5. \u5728\u7f8e\u56fd\u5efa\u7acb\u4fe1\u7528\u53ef\u80fd\u9700\u8981\u94f6\u884c\u8d26\u6237<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u5982\u679c\u60a8\u6709\u673a\u4f1a\u5728\u6bd5\u4e1a\u540e\u5728\u7f8e\u56fd\u5de5\u4f5c\uff0c\u90a3\u4e48\u5728\u7f8e\u56fd\u5b66\u4e60\u671f\u95f4\u5efa\u7acb\u826f\u597d\u7684\u4fe1\u7528\u8bb0\u5f55\u53ef\u4ee5\u4f7f\u79df\u623f\u3001\u8d2d\u8f66\u548c\u8bbe\u7f6e\u57fa\u672c\u516c\u7528\u4e8b\u4e1a\u66f4\u5bb9\u6613\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u4e00\u4e9b\u65e8\u5728\u5e2e\u52a9\u56fd\u9645\u5b66\u751f\u5efa\u7acb\u7f8e\u56fd\u4fe1\u7528\u7684\u91d1\u878d\u5de5\u5177\u9700\u8981\u94f6\u884c\u8d26\u6237\u3002\u4f8b\u5982\uff0c\u5982\u679c\u60a8\u6709\u5174\u8da3\u7533\u8bf7\u4e00\u5f20\u62c5\u4fdd\u4fe1\u7528\u5361\uff0c\u60a8\u901a\u5e38\u9700\u8981\u5728\u50a8\u84c4\u8d26\u6237\u4e2d\u63d0\u4f9b\u4e00\u7b14\u5b58\u6b3e\u3002\u5982\u679c\u60a8\u5df2\u7ecf\u5728\u63d0\u4f9b\u4fe1\u7528\u5361\u6216\u4fe1\u8d37\u989d\u5ea6\u7684\u91d1\u878d\u673a\u6784\u62e5\u6709\u4e00\u4e2a\u94f6\u884c\u8d26\u6237\uff0c\u90a3\u4e48\u901a\u8fc7\u8fd9\u79cd\u73b0\u6709\u5173\u7cfb\u5b8c\u6210\u7533\u8bf7\u8fc7\u7a0b\u901a\u5e38\u4f1a\u66f4\u5bb9\u6613\u3002<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">\u5982\u4f55\u5728\u7f8e\u56fd\u5b66\u4e60\u671f\u95f4\u5f00\u8bbe\u94f6\u884c\u8d26\u6237<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u5728\u7f8e\u56fd\u5b66\u4e60\u65f6\u5f00\u8bbe\u94f6\u884c\u8d26\u6237\u9700\u8981\u4e00\u4e9b\u52aa\u529b\uff0c\u4f46\u80af\u5b9a\u662f\u53ef\u80fd\u7684\u3002\u60a8\u53ef\u80fd\u9700\u8981\u4eb2\u81ea\u8bbf\u95ee\u94f6\u884c\u7f51\u70b9\u4ee5\u5f00\u8bbe\u8d26\u6237\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u4f5c\u4e3a\u975e\u7f8e\u56fd\u516c\u6c11\uff0c\u60a8\u53ef\u80fd\u65e0\u6cd5\u7acb\u5373\u63d0\u4f9b\u7a0e\u52a1\u8bc6\u522b\u53f7(TIN)\u6216<\/span><a href=\"https:\/\/www.mpowerfinancing.com\/blog\/im-an-international-student-can-i-get-a-social-security-number-and-how\"><span style=\"font-weight: 400;\">\u793e\u4f1a\u4fdd\u969c\u53f7<\/span><\/a><span style=\"font-weight: 400;\">\u3002\u76f8\u53cd\uff0c\u60a8\u53ef\u80fd\u9700\u8981\u51fa\u793a\u4ee5\u4e0b\u6587\u4ef6\uff1a<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">F-1\u6216J-1\u7b7e\u8bc1<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">I-20\u6216DS-2019\u8868\u683c<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">I-94\u8868\u683c<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u62a4\u7167<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u5982\u679c\u60a8\u6b63\u5728\u5f00\u8bbe\u4e13\u95e8\u4e3a\u5b66\u751f\u8bbe\u7acb\u7684\u94f6\u884c\u8d26\u6237\uff0c\u90a3\u4e48\u62e5\u6709\u5f53\u524d\u5b66\u671f\u6ce8\u518c\u8bc1\u660e\u4e5f\u65e0\u59a8\u3002\u6bcf\u5bb6\u94f6\u884c\u5728\u5f00\u8bbe\u65b0\u7684\u94f6\u884c\u8d26\u6237\u65f6\u90fd\u6709\u81ea\u5df1\u7684\u8981\u6c42\uff0c\u56e0\u6b64\u8bf7\u5411\u94f6\u884c\u5458\u5de5\u8be2\u95ee\u6240\u9700\u7684\u6587\u4ef6\u3002\u00a0\u00a0\u00a0\u00a0\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">\u9009\u62e9\u7f8e\u56fd\u94f6\u884c\u8d26\u6237\u65f6\u5e94\u8003\u8651\u7684\u56e0\u7d20<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u63d0\u524d\u6536\u96c6\u5f00\u8bbe\u94f6\u884c\u8d26\u6237\u6240\u9700\u7684\u6587\u4ef6\u53ef\u4ee5\u4f7f\u6d41\u7a0b\u66f4\u52a0\u7b80\u5355\u3002\u5982\u679c\u60a8\u5728\u9009\u62e9\u5f00\u8bbe\u54ea\u4e2a\u7f8e\u56fd\u94f6\u884c\u8d26\u6237\u65f6\u9047\u5230\u56f0\u96be\uff0c\u4ee5\u4e0b\u662f\u4e00\u4e9b\u9700\u8981\u8003\u8651\u7684\u56e0\u7d20\uff1a<\/span><b><\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>\u53ef\u8bbf\u95ee\u6027\u3002 <\/b><span style=\"font-weight: 400;\">\u627e\u51fa\u60a8\u7684\u6821\u56ed\u548c\u4f4f\u5bbf\u9644\u8fd1\u7684\u94f6\u884c\u7f51\u70b9\u548c\u81ea\u52a8\u67dc\u5458\u673a\uff08ATM\uff09\u3002\u9009\u62e9\u4e00\u4e2a\u6b65\u884c\u6216\u77ed\u9014\u9a7e\u9a76\u5373\u53ef\u5230\u8fbe\u7684\u94f6\u884c\u5f00\u8bbe\u8d26\u6237\uff0c\u4ee5\u4fbf\u4e8e\u8bbf\u95ee\u3002\u00a0\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>\u8d39\u7528\u3002 <\/b><span style=\"font-weight: 400;\">\u4e00\u4e9b\u94f6\u884c\u5bf9\u7f8e\u56fd\u94f6\u884c\u8d26\u6237\u6536\u53d6\u6bcf\u6708\u7ef4\u62a4\u8d39\u3002\u6839\u636e\u94f6\u884c\u7684\u4e0d\u540c\uff0c\u60a8\u53ef\u80fd\u5728\u4f5c\u4e3a\u5b66\u751f\u6ce8\u518c\u671f\u95f4\u907f\u514d\u8fd9\u4e9b\u8d39\u7528\u3002\u6709\u65f6\uff0c\u901a\u8fc7\u8bbe\u7f6e\u81ea\u52a8\u6bcf\u6708\u5b58\u6b3e\u6216\u4fdd\u6301\u8d26\u6237\u4e2d\u7684\u6700\u4f4e\u6eda\u52a8\u4f59\u989d\uff0c\u4e5f\u53ef\u4ee5\u514d\u9664\u7ef4\u62a4\u8d39\u3002\u6b64\u5916\uff0c\u8be2\u95ee\u5176\u4ed6\u53ef\u80fd\u4ea7\u751f\u9ad8\u6602\u8d39\u7528\u7684\u8d39\u7528\u7c7b\u578b\uff0c\u5982\u900f\u652f\u8d39\u3001\u7535\u6c47\u8d39\uff08\u5165\u8d26\u548c\u51fa\u8d26\uff09\u3001\u56fd\u9645\u8f6c\u8d26\/ACH\u8d39\u7528\u548c\u975e\u7f51\u7edcATM\u8d39\u7528\u3002<\/span><\/li>\n<li aria-level=\"1\"><b>\u798f\u5229\u548c\u7279\u70b9\u3002<\/b><span style=\"font-weight: 400;\">\u6bd4\u8f83\u4e0d\u540c\u94f6\u884c\u8d26\u6237\u7684\u798f\u5229\u548c\u7279\u70b9\u3002\u5982\u679c\u4f60\u89c9\u5f97\u901a\u8fc7\u5e94\u7528\u7a0b\u5e8f\u5c06\u652f\u7968\u5b58\u5165\u4f60\u7684\u94f6\u884c\u8d26\u6237\u5f88\u91cd\u8981\uff0c\u90a3\u4e48\u786e\u4fdd\u94f6\u884c\u63d0\u4f9b\u8fd9\u4e2a\u529f\u80fd\u3002\u4e00\u4e9b\u8d26\u6237\u53ef\u4ee5\u8d5a\u53d6\u5229\u606f\uff0c\u8fd9\u6837\u4f60\u5c31\u53ef\u4ee5\u5728\u4f60\u7684\u8d26\u6237\u4f59\u989d\u4e0a\u8d5a\u94b1\uff0c\u6216\u8005\u83b7\u5f97\u6bcf\u6708\u7684ATM\u8d39\u7528\u62a5\u9500\u3002<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u4ece\u4f4d\u4e8e\u4f60\u7684\u7956\u56fd\u7684\u94f6\u884c\u8d26\u6237\u4e2d\u63d0\u6b3e\u53ef\u80fd\u4f1a\u5bfc\u81f4\u4e0d\u5fc5\u8981\u7684\u8d39\u7528\u548c\u5ef6\u8fdf\u7684\u8d44\u91d1\u3002\u4f5c\u4e3a\u4e00\u540d\u56fd\u9645\u5b66\u751f\u5f00\u8bbe\u94f6\u884c\u8d26\u6237\u53ef\u4ee5\u4e3a\u4f60\u7684\u65e5\u5e38\u5f00\u9500\u548c\u957f\u671f\u8d44\u91d1\u7ba1\u7406\u63d0\u4f9b\u4fbf\u5229\u3002<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u4ece\u5b89\u5168\u6027\u548c\u7075\u6d3b\u6027\u5230\u5efa\u7acb\u4fe1\u7528\uff0c\u4e86\u89e3\u66f4\u591a\u5173\u4e8e\u4e3a\u4ec0\u4e48\u5728\u60a8\u7559\u5b66\u671f\u95f4\u5f00\u8bbe\u7f8e\u56fd\u94f6\u884c\u8d26\u6237\u5bf9\u56fd\u9645\u5b66\u751f\u6709\u76ca\u7684\u539f\u56e0\u3002<\/p>\n","protected":false},"author":24,"featured_media":15206,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[16,37],"tags":[],"class_list":["post-25491","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-all-blogs","category-guides-and-tools"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\u5728\u7f8e\u56fd\u5b66\u4e60\u65f6\u5f00\u8bbe\u7f8e\u56fd\u94f6\u884c\u8d26\u6237\u76845\u4e2a\u7406\u7531 | MPOWER Financing\u4e2d\u6587\u5b98\u7f51<\/title>\n<meta name=\"description\" content=\"\u4f5c\u4e3a\u56fd\u9645\u5b66\u751f\u5f00\u8bbe\u94f6\u884c\u8d26\u6237\u53ef\u4ee5\u4e3a\u60a8\u7684\u65e5\u5e38\u5f00\u652f\u548c\u957f\u671f\u8d44\u91d1\u7ba1\u7406\u63d0\u4f9b\u4fbf\u5229\u3002\u4e86\u89e3\u66f4\u591a\uff01\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-reasons-to-open-a-u-s-bank-account-when-studying-in-america\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u5728\u7f8e\u56fd\u5b66\u4e60\u65f6\u5f00\u8bbe\u7f8e\u56fd\u94f6\u884c\u8d26\u6237\u76845\u4e2a\u7406\u7531\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-reasons-to-open-a-u-s-bank-account-when-studying-in-america\/\" \/>\n<meta property=\"og:site_name\" content=\"MPOWER Financing\u4e2d\u6587\u5b98\u7f51\" \/>\n<meta property=\"article:published_time\" content=\"2022-12-27T12:53:51+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-05T02:01:04+00:00\" \/>\n<meta name=\"author\" content=\"MPOWER Financing\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"MPOWER Financing\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-reasons-to-open-a-u-s-bank-account-when-studying-in-america\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-reasons-to-open-a-u-s-bank-account-when-studying-in-america\/\"},\"author\":{\"name\":\"MPOWER Financing\",\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/#\/schema\/person\/096614ed001cc7507ed28dabcd4807f0\"},\"headline\":\"\u5728\u7f8e\u56fd\u5b66\u4e60\u65f6\u5f00\u8bbe\u7f8e\u56fd\u94f6\u884c\u8d26\u6237\u76845\u4e2a\u7406\u7531\",\"datePublished\":\"2022-12-27T12:53:51+00:00\",\"dateModified\":\"2025-08-05T02:01:04+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-reasons-to-open-a-u-s-bank-account-when-studying-in-america\/\"},\"wordCount\":12,\"commentCount\":0,\"image\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-reasons-to-open-a-u-s-bank-account-when-studying-in-america\/#primaryimage\"},\"thumbnailUrl\":\"\",\"articleSection\":[\"All blogs\",\"Guides and Tools\"],\"inLanguage\":\"zh\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-reasons-to-open-a-u-s-bank-account-when-studying-in-america\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-reasons-to-open-a-u-s-bank-account-when-studying-in-america\/\",\"url\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-reasons-to-open-a-u-s-bank-account-when-studying-in-america\/\",\"name\":\"\u5728\u7f8e\u56fd\u5b66\u4e60\u65f6\u5f00\u8bbe\u7f8e\u56fd\u94f6\u884c\u8d26\u6237\u76845\u4e2a\u7406\u7531 | MPOWER Financing\u4e2d\u6587\u5b98\u7f51\",\"isPartOf\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-reasons-to-open-a-u-s-bank-account-when-studying-in-america\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-reasons-to-open-a-u-s-bank-account-when-studying-in-america\/#primaryimage\"},\"thumbnailUrl\":\"\",\"datePublished\":\"2022-12-27T12:53:51+00:00\",\"dateModified\":\"2025-08-05T02:01:04+00:00\",\"author\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/#\/schema\/person\/096614ed001cc7507ed28dabcd4807f0\"},\"description\":\"\u4f5c\u4e3a\u56fd\u9645\u5b66\u751f\u5f00\u8bbe\u94f6\u884c\u8d26\u6237\u53ef\u4ee5\u4e3a\u60a8\u7684\u65e5\u5e38\u5f00\u652f\u548c\u957f\u671f\u8d44\u91d1\u7ba1\u7406\u63d0\u4f9b\u4fbf\u5229\u3002\u4e86\u89e3\u66f4\u591a\uff01\",\"breadcrumb\":{\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-reasons-to-open-a-u-s-bank-account-when-studying-in-america\/#breadcrumb\"},\"inLanguage\":\"zh\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-reasons-to-open-a-u-s-bank-account-when-studying-in-america\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"zh\",\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-reasons-to-open-a-u-s-bank-account-when-studying-in-america\/#primaryimage\",\"url\":\"\",\"contentUrl\":\"\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-reasons-to-open-a-u-s-bank-account-when-studying-in-america\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.mpowerfinancing.com\/zh\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u5728\u7f8e\u56fd\u5b66\u4e60\u65f6\u5f00\u8bbe\u7f8e\u56fd\u94f6\u884c\u8d26\u6237\u76845\u4e2a\u7406\u7531\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/#website\",\"url\":\"https:\/\/www.mpowerfinancing.com\/zh\/\",\"name\":\"MPOWER Financing\u4e2d\u6587\u5b98\u7f51\",\"description\":\"\u7f8e\u56fd\u56fd\u9645\u5b66\u751f\u52a9\u5b66\u91d1\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.mpowerfinancing.com\/zh\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"zh\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.mpowerfinancing.com\/zh\/#\/schema\/person\/096614ed001cc7507ed28dabcd4807f0\",\"name\":\"MPOWER Financing\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/secure.gravatar.com\/avatar\/c1102125ecd44a55b2f3513201738c732043cdeeb7f1ff206eb4a872cea9bf94?s=96&d=mm&r=g\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/c1102125ecd44a55b2f3513201738c732043cdeeb7f1ff206eb4a872cea9bf94?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/c1102125ecd44a55b2f3513201738c732043cdeeb7f1ff206eb4a872cea9bf94?s=96&d=mm&r=g\",\"caption\":\"MPOWER Financing\"},\"url\":\"https:\/\/www.mpowerfinancing.com\/zh\/blog\/author\/mpower-financing\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"\u5728\u7f8e\u56fd\u5b66\u4e60\u65f6\u5f00\u8bbe\u7f8e\u56fd\u94f6\u884c\u8d26\u6237\u76845\u4e2a\u7406\u7531 | MPOWER Financing\u4e2d\u6587\u5b98\u7f51","description":"\u4f5c\u4e3a\u56fd\u9645\u5b66\u751f\u5f00\u8bbe\u94f6\u884c\u8d26\u6237\u53ef\u4ee5\u4e3a\u60a8\u7684\u65e5\u5e38\u5f00\u652f\u548c\u957f\u671f\u8d44\u91d1\u7ba1\u7406\u63d0\u4f9b\u4fbf\u5229\u3002\u4e86\u89e3\u66f4\u591a\uff01","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-reasons-to-open-a-u-s-bank-account-when-studying-in-america\/","og_locale":"zh_CN","og_type":"article","og_title":"\u5728\u7f8e\u56fd\u5b66\u4e60\u65f6\u5f00\u8bbe\u7f8e\u56fd\u94f6\u884c\u8d26\u6237\u76845\u4e2a\u7406\u7531","og_url":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-reasons-to-open-a-u-s-bank-account-when-studying-in-america\/","og_site_name":"MPOWER Financing\u4e2d\u6587\u5b98\u7f51","article_published_time":"2022-12-27T12:53:51+00:00","article_modified_time":"2025-08-05T02:01:04+00:00","author":"MPOWER Financing","twitter_card":"summary_large_image","twitter_misc":{"Written by":"MPOWER Financing","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-reasons-to-open-a-u-s-bank-account-when-studying-in-america\/#article","isPartOf":{"@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-reasons-to-open-a-u-s-bank-account-when-studying-in-america\/"},"author":{"name":"MPOWER Financing","@id":"https:\/\/www.mpowerfinancing.com\/zh\/#\/schema\/person\/096614ed001cc7507ed28dabcd4807f0"},"headline":"\u5728\u7f8e\u56fd\u5b66\u4e60\u65f6\u5f00\u8bbe\u7f8e\u56fd\u94f6\u884c\u8d26\u6237\u76845\u4e2a\u7406\u7531","datePublished":"2022-12-27T12:53:51+00:00","dateModified":"2025-08-05T02:01:04+00:00","mainEntityOfPage":{"@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-reasons-to-open-a-u-s-bank-account-when-studying-in-america\/"},"wordCount":12,"commentCount":0,"image":{"@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-reasons-to-open-a-u-s-bank-account-when-studying-in-america\/#primaryimage"},"thumbnailUrl":"","articleSection":["All blogs","Guides and Tools"],"inLanguage":"zh","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-reasons-to-open-a-u-s-bank-account-when-studying-in-america\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-reasons-to-open-a-u-s-bank-account-when-studying-in-america\/","url":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-reasons-to-open-a-u-s-bank-account-when-studying-in-america\/","name":"\u5728\u7f8e\u56fd\u5b66\u4e60\u65f6\u5f00\u8bbe\u7f8e\u56fd\u94f6\u884c\u8d26\u6237\u76845\u4e2a\u7406\u7531 | MPOWER Financing\u4e2d\u6587\u5b98\u7f51","isPartOf":{"@id":"https:\/\/www.mpowerfinancing.com\/zh\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-reasons-to-open-a-u-s-bank-account-when-studying-in-america\/#primaryimage"},"image":{"@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-reasons-to-open-a-u-s-bank-account-when-studying-in-america\/#primaryimage"},"thumbnailUrl":"","datePublished":"2022-12-27T12:53:51+00:00","dateModified":"2025-08-05T02:01:04+00:00","author":{"@id":"https:\/\/www.mpowerfinancing.com\/zh\/#\/schema\/person\/096614ed001cc7507ed28dabcd4807f0"},"description":"\u4f5c\u4e3a\u56fd\u9645\u5b66\u751f\u5f00\u8bbe\u94f6\u884c\u8d26\u6237\u53ef\u4ee5\u4e3a\u60a8\u7684\u65e5\u5e38\u5f00\u652f\u548c\u957f\u671f\u8d44\u91d1\u7ba1\u7406\u63d0\u4f9b\u4fbf\u5229\u3002\u4e86\u89e3\u66f4\u591a\uff01","breadcrumb":{"@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-reasons-to-open-a-u-s-bank-account-when-studying-in-america\/#breadcrumb"},"inLanguage":"zh","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-reasons-to-open-a-u-s-bank-account-when-studying-in-america\/"]}]},{"@type":"ImageObject","inLanguage":"zh","@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-reasons-to-open-a-u-s-bank-account-when-studying-in-america\/#primaryimage","url":"","contentUrl":""},{"@type":"BreadcrumbList","@id":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/5-reasons-to-open-a-u-s-bank-account-when-studying-in-america\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.mpowerfinancing.com\/zh\/"},{"@type":"ListItem","position":2,"name":"\u5728\u7f8e\u56fd\u5b66\u4e60\u65f6\u5f00\u8bbe\u7f8e\u56fd\u94f6\u884c\u8d26\u6237\u76845\u4e2a\u7406\u7531"}]},{"@type":"WebSite","@id":"https:\/\/www.mpowerfinancing.com\/zh\/#website","url":"https:\/\/www.mpowerfinancing.com\/zh\/","name":"MPOWER Financing\u4e2d\u6587\u5b98\u7f51","description":"\u7f8e\u56fd\u56fd\u9645\u5b66\u751f\u52a9\u5b66\u91d1","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.mpowerfinancing.com\/zh\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"zh"},{"@type":"Person","@id":"https:\/\/www.mpowerfinancing.com\/zh\/#\/schema\/person\/096614ed001cc7507ed28dabcd4807f0","name":"MPOWER Financing","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/c1102125ecd44a55b2f3513201738c732043cdeeb7f1ff206eb4a872cea9bf94?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c1102125ecd44a55b2f3513201738c732043cdeeb7f1ff206eb4a872cea9bf94?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/c1102125ecd44a55b2f3513201738c732043cdeeb7f1ff206eb4a872cea9bf94?s=96&d=mm&r=g","caption":"MPOWER Financing"},"url":"https:\/\/www.mpowerfinancing.com\/zh\/blog\/author\/mpower-financing\/"}]}},"_links":{"self":[{"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/posts\/25491","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/users\/24"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/comments?post=25491"}],"version-history":[{"count":1,"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/posts\/25491\/revisions"}],"predecessor-version":[{"id":25492,"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/posts\/25491\/revisions\/25492"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/"}],"wp:attachment":[{"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/media?parent=25491"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/categories?post=25491"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mpowerfinancing.com\/zh\/wp-json\/wp\/v2\/tags?post=25491"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}