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USA Newcomer Guide

A field guide to your first months in the United States.

Phone, money, housing, paperwork — in the order you'll actually need them.

What do you need help with?

Or browse the full guide library.

Not sure where to begin? Two questions. No account.

The essentials

Three things almost everyone needs first.

A working phone, a U.S. bank account, and health insurance you understand. Start with whichever is blocking you.

Phone and Internet for U.S. Arrival

A practical arrival guide to staying connected in the United States, including eSIM, SIM cards, temporary data, Wi-Fi, tethering, and common phone mistakes.

9 min readArrival Day
Practical guideUpdated 2026-05-31

How to Open a U.S. Bank Account

A guide to opening your first U.S. bank account, including documents, SSN rules, online applications, debit cards, direct deposit, and account safety.

8 min readFirst Week
Practical guideUpdated 2026-09-13

Health Insurance Basics

A beginner guide to premiums, deductibles, copays, networks, urgent care, emergency rooms, prescriptions, and health insurance mistakes to avoid.

10 min readFirst Month
Practical guideUpdated 2026-06-24

Avoid costly mistakes

Five mistakes people make too early.

These happen before people understand how the system works. If one sounds likely, open that guide before you commit money, share documents, or assume you are covered.

Common newcomer mistakes
  1. Paying an apartment deposit before verifying the listing

    Check the address, ownership, lease terms, and payment method before you send money for housing.

  2. Choosing a phone plan or device financing too quickly

    Start with the cheapest plan that works where you live before you lock yourself into a longer bill.

  3. Assuming health insurance starts when you land

    Read your start date, network, and urgent-care options before you need treatment or medicine.

  4. Sharing passport, SSN, or verification codes too casually

    Do not send sensitive documents or read one-time codes unless you initiated the request through a verified channel.

  5. Paying a government caller by gift card, wire, crypto, or payment app

    Government agencies do not demand instant payment through pressure tactics or hard-to-reverse methods.

Worried about scams? Open the full scams & safety hub.

Why trust this guide

Every guide is written for someone doing this for the first time, with concrete steps and decision rules instead of "it depends."

Guides point to official sources for anything binding, and each one shows when it was last updated.

None of it is legal, medical, tax, or financial advice — read about this site and the full disclaimer.