Credit card
No SSN required. Underwritten on your visa and income. Virtual card the moment you’re approved.
Credit card.
Bank account.
US credit score.
For H-1B and O-1 professionals. Your visa gets you approved. No SSN. No US credit history. Apply before you fly. It works when you land.
Built forH-1B and O-1 professionals
No SSN neededapproved on passport, visa, and income
From day onecard, account, and credit building
One app. Your whole US setup.
Card, account, transfers, and credit building in one place.
Bank account
Routing and account numbers before your flight. Payroll and rent, ready.
International wires
Wire your savings in. Fees shown before you send. Paperwork handled.
Credit autopilot
Payment timing, utilization, reporting. Handled. You just spend.
Open a bank account with your visa.
The US government already vetted you. Identity, income, education, employer. Your visa proves more than any credit score ever could. Banks ignore it. We approve you on it.
Apply from anywhere
Passport, visa, offer letter. Ten minutes. No SSN, no US address, no appointment.
It already works
Virtual card in your wallet. Routing numbers ready for payroll and rent.
Credit builds itself
Autopilot handles payments and utilization. Your credit file builds every month while you do your actual job.
Cross-border wealth, handled.
You didn’t just leave a bank behind. Savings, stocks, pension, maybe a company. Atrium concierge restarts your financial life on this side, end to end.
One plan for the whole move
A real human maps your setup: accounts, wires, timing, documents. You follow a checklist, not a forum thread.
Cross-border wealth
Brokerage, pension, equity, property back home. What to move, what to keep, and how the IRS sees it.
Vetted experts on call
Cross-border accountants, tax specialists, and wealth managers who know both sides. Introduced when you need them.
Straight answers.
Who is this for?
H-1B and O-1 professionals moving to the US, or already here and tired of being treated like a blank file. Launching with professionals relocating from Europe first.
Can’t I just transfer my credit history from home?
Usually not. A few countries like India have translation services US lenders accept. Most of Europe has nothing US lenders can read. Everyone starts at zero, so starting early is the whole game.
Do I need an SSN or US credit history?
No. We verify your passport, visa, employment, and financial life abroad. Your US credit file starts when your card starts reporting.
Do I need to visit a branch?
No. Application, verification, and card are fully digital, from anywhere in the world.
How does credit autopilot work?
We automate what builds credit: on-time payments, low reported utilization, the right timing in the cycle. We automate the process. We do not promise a specific score.
How do I move my savings from Europe?
Wire them into your Atrium account. Fees and exchange costs shown before you send. We walk you through the paperwork and connect you with cross-border tax experts for the bigger questions.
Set up your US life before you land.
Card, account, and credit, ready the day you arrive. Early access is open for professionals moving from Europe first.