The GTS program benefits both you and your employees.

HR representatives will no longer need to:


  • Facilitate the opening of payroll accounts for expatriates.
  • Address questions related to individual bank accounts.
  • Manage individual account-related documents after the expatriate returns to Japan.

Expatriate employees can:


  • Open an account from Japan: The employee can open their account from Japan even without a Social Security Number (SSN) and receive a debit/ATM card while in Japan. They can make deposits before leaving and then withdraw funds once they arrive in the U.S.
  • Bank easily in the U.S.: GTS clients will enjoy a waived monthly maintenance fee1, secure online and mobile banking and free access to the Japanese Customer Service Unit (JCSU).
  • Manage the account after returning home: GTS clients can continue to get account help via a toll-free number for the JCSU. They can also check their account status via online banking.

View transcript

Other GTS account benefits for employees

First two incoming wire transfer fees waived per statement period (domestic or international)

First four non-U.S. Bank ATM transaction fees waived per statement period2

$12 Bank Smartly® Checking account monthly maintenance fee waived

The process outlined below is for employees currently in Japan and planning to move to the United States. View the separate guidelines for applicants already in the U.S. For more information on offering the GTS program to expatriate employees already in the U.S., please use the contact form on this page to reach out to a GTS representative.

Eligibility and application steps

To qualify, applicants must:

  • Be 18 years of age or older.
  • Have an account in good standing with Mitsubishi UFJ Bank.
  • Live in Japan when they apply for account opening.
  • Move to the U.S. within 90 days of account opening and have a U.S. visa for work, training or studying.

To apply, applicants must:

  1. Download the Referral Request form from the Mitsubishi UFJ Bank website, print and fill out the form.
  2. Mail the completed referral form to Mitsubishi UFJ Bank along with the required identification documents.
  3. Once Mitsubishi UFJ Bank receives your completed referral form and identification documents, applicants will receive an email from U.S. Bank with a link to apply for a deposit account.
  4. Complete the online application form and submit to U.S. Bank.

For more details and tips regarding the application process, please refer to our Account opening guide (PDF).

Contact a GTS representative.

Our Japanese-speaking representatives will assist with any questions regarding the GTS program and how to promote the program within your organization. Please fill out the fields below in English and a GTS representative will contact you.

For inquiries regarding individual U.S. Bank accounts, we are unable to respond through this form. Please contact the Japanese Customer Service Unit (JCSU) for assistance.

Success
Thank you. A representative will contact you via email within 2 business days.

If your company provides HR outsourcing services, please include the names of the clients you serve as well as the name of your company, if possible.

By submitting this form and providing your information, you are consenting to receive an email from a U.S. Bank representative, as well as email communications from U.S. Bank.

Frequently asked questions

No, an account or partnership with us is not necessary to participate.

Four products are available through the GTS program.1 For detailed information, please visit the GTS program overview page.

  • U.S. Bank Smartly® Checking
  • U.S. Bank Smartly® Savings
  • Elite Money Market
  • Certificates of deposit (CDs)

No, the GTS program does not cost corporate entities or their employees anything. However, our products do have fees associated with them.1

No. An employment visa for the U.S. is required for the GTS program. Since ESTA is not eligible for an employment visa, the employee will not qualify for the program.

Yes. In this case, the employee would need to provide their U.S. workplace address as their mailing address during the account application process.

Once the employee completes the electronic signature process, the account can receive funds, including international transfers from Japan.

Other information3

If you are an individual employee looking to learn more about the GTS program and U.S. Bank products, visit our client page.

Share or print program information.
 

GTS program overview (EN) (PDF) Account opening guide (PDF)

Explore documents for Japan-based clients.
 

Consumer Pricing Information (EN) (PDF) Consumer Pricing Information (JA) (PDF) U.S. Bank Japan Privacy Agreement (EN) (PDF) U.S. Bank Japan Privacy Agreement (JA) (PDF) Your Deposit Account Agreement (EN) (PDF)
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Disclosures

  1. Refer to Your Deposit Account Agreement (PDF) and the Consumer Pricing Information (PDF) disclosure for a summary of fees, terms and conditions that apply.

  2. ATM Transaction Fee. U.S. Bank will assess this fee for each ATM Transaction conducted at the Non-U.S. Bank ATM. This means that you may be charged more than one ATM Transaction fee at a Non-U.S. Bank ATM during a single ATM session. Non-U.S. Bank ATMs are defined as any ATM that does not display the U.S. Bank logo in any manner, physically on the ATM or digitally on the  screen.

    ATM Surcharge. Non-U.S. Bank ATM owners may apply a surcharge fee on ATM transactions at their ATMs. U.S. Bank participates in MoneyPass®, an ATM surcharge free network. To find MoneyPass ATM locations, select “visit the MoneyPass locator” at the bottom of our ATM locator search results to be taken to the MoneyPass website. If you use an ATM that uses the MoneyPass® Network and are charged a surcharge fee, please call us at 800-USBANKS (872-2657) for a refund of the surcharge fee. However, a Non-U.S. Bank ATM Transaction Fee may be assessed on transactions at a MoneyPass ATM.

    Please refer to the Consumer Pricing Information (PDF) disclosure section titled Miscellaneous Checking, Savings or Money Market Fees for a summary of ATM transaction fees.

  3. Some materials and services may only be available in English.  一部サービスや資料は英語のみでの対応となるのでご了承ください。

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U.S. Bank is a separate bank from MUFG Bank, Ltd. In addition, MUFG Bank, Ltd. does not guarantee the bank's ability to pay deposits.

MUFG Bank, Ltd. is only referring you to U.S. Bank and does not market products or services on behalf of U.S. Bank. All transactions will be made directly with U.S. Bank. U.S. Bank may refuse to open an account for you despite a referral. After opening an account, it can be closed at the discretion of U.S. Bank.

MUFG Bank, Ltd. employees cannot explain the details of U.S. Bank products to customers. Contact U.S. Bank directly to learn about product details.

U.S. Bank deposits are not covered by the Japanese deposit insurance system. Transactions must be made by individuals 18 or older. For more information, please visit the U.S. Bank website or contact the Japanese Customer Service Unit.

U.S. Bank products and services are subject to change without notice. U.S. Bank services are targeted to U.S. residents. Japanese residents who do not plan to reside in the United States are not eligible to apply for the services described on this website.

Deposit products are offered by U.S. Bank National Association. Member FDIC.