[missedthecue]

I haven't figured that out. Bank of America required my SSN, but Varo, a neobank, did not require it. For my purposes they are functionally the same product, but maybe neobanks are excluded somehow?

[neilparikh]

FWIW, I created an account at Bank of America without an SSN. This was a few years ago though.

I think a lot of this might inconsistent even across branches of the same bank.