In some cases, such as a sole proprietorship, an SSN may be used as a business Tax ID without applying for a separate EIN, but in order to hire employees or establish business credit, an EIN is required. Unlike a SSN, an EIN is not considered sensitive information and is freely distributed by many businesses by way of publications and the Bottom Line. It is technically possible to open a business bank account without an EIN, but it is not recommended. Sole proprietors and single-member LLCs can use SSNs instead of EINs to open accounts, but it can open your business up to many problems. Obtaining an EIN is free and can be done in 10 minutes on the IRS website. In general, the answer is no. While you’ll need an EIN to open a business bank account if your business is set up as a partnership, corporation or LLC with employees—it’s just one of several
Without an identification number for your business, you’ll be using your personal identification number, i.e. your SSN. The more you use that number and share it around, the higher the probability it could be stolen. Although, yes, a stolen EIN could happen, it’s not viewed nearly as big of an issue as a stolen social security number.

People with no SSN often have no credit score. Capital One Platinum also has a $0 annual fee and a $0 foreign transaction fee. In general, Capital One credit cards tend to be among the top offers for people with no SSN. What We Don’t Like: The only downside is you won’t earn rewards with Capital One Platinum.

An Employer Identification Number, or EIN for short, is a federal tax ID used by the Internal Revenue Service (IRS) to track the tax responsibilities of various legal entities. The decedent’s Social Security Number (SSN) may not be used to report income generated by his or her assets; when a person dies, the estate becomes a separate legal
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how to get ein number without ssn