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Your first 30 days in New York City – a step-by-step checklist

What to do in your first month in New York City, in order: check your I-94, save the numbers you need, pay for the subway, apply for a Social Security number, open a bank account, enroll in health insurance, find a home, report your address, get an IDNYC card and enroll children in school.

Checked 8 Oct 2026
Applies to
Everyone moving to New York City. Steps about visas, the I-94 record and USCIS do not apply to US citizens.
Effort
High effort
Time needed
Most steps fit into your first month; finding a long-term home can take longer
Cost
The SSN and the IDNYC card are free (IDNYC is free for applications through 31 December 2026); budget for rent, a security deposit of up to one month's rent and subway fares ($3 per ride, capped at $35 in seven days with OMNY in 2026).
When
From the day you arrive
Where
New York City, United States
On this page
  1. Overview
  2. Documents you need
  3. Step by step
  4. Keep a document folder
  5. Watch out
  6. Common mistakes
  7. Tips
  8. Frequently asked questions
  9. Official links
  10. In your plan
  11. Sources
  12. Related guides

Your first month in New York City involves federal, state and City offices. The order below follows what unlocks what: your immigration status and I-94 record let you get a Social Security number; the SSN and your ID let you open a bank account and be paid; an address lets you get an IDNYC card, enroll children in school and receive mail. Each step links to a detailed HomiStart guide.

New York City has no residence registration office. Instead, 311 is the single number for City services, by phone or online at portal.311.nyc.gov.

Documents you need

  • Passport

    required
  • I-94 arrival record (non-citizens)

    optional
  • US visa and approval notice or school form (non-citizens)

    optional
  • Proof of your New York City address

    optional
  • Signed lease

    optional

Step by step

  1. Step 1: Day 1 – at the airport and the border

    A Customs and Border Protection officer admits you and creates your electronic I-94 record. If you carry more than $10,000 in cash or monetary instruments, you must declare it on FinCEN Form 105. A few days after arrival, look up your I-94 on the CBP I-94 website and check your class of admission and "admit until" date. See US visas and green cards.

  2. Step 2: Day 1 – save the numbers you need

    Save 911 (police, fire, ambulance), 988 (mental health crisis), 311 (City services and non-emergency help) and Poison Control (1-800-222-1222). If you cannot call, you can text 911 in English or Spanish. See Emergency numbers in the United States.

  3. Step 3: Days 1 to 3 – ride the subway and buses

    Tap a contactless bank card, phone or an OMNY card at the turnstile or on the bus. A ride costs $3 (2026) and includes one free transfer within two hours; after $35 in seven days on the same card or device, the rest of the week is free. MetroCards can no longer be bought or refilled since 1 January 2026. See Public transport in New York City.

  4. Step 4: Days 10 onwards – apply for your Social Security number

    If you did not request an SSN through your immigrant visa or a USCIS application, start online and visit a Social Security office or Card Center within 45 days with original documents. The SSA recommends waiting 10 days after arrival (48 hours after reporting to your school for F-1, M-1 and J-1 students). It is free. See Getting a Social Security number (SSN) or an ITIN.

  5. Step 5: First week – open a bank account

    Banks must verify your identity and an identification number; many ask for an SSN or ITIN, and without one you may only be able to open an account that pays no interest. Some banks and credit unions accept a foreign passport or the IDNYC card as photo ID. Ask about monthly fees and minimum balances. See Opening a bank account in the United States.

  6. Step 6: First weeks – start your health insurance

    Enroll in your employer's plan as soon as you are eligible; employer waiting periods may not exceed 90 days. If you have no employer plan, moving to New York usually opens a 60-day Special Enrollment Period on NY State of Health (855-355-5777). Children can get Child Health Plus regardless of immigration status. See Health insurance in the United States.

  7. Step 7: First weeks – find a home

    View every apartment before paying anything. Since 11 June 2025, a broker hired by the landlord may not charge you a fee; a landlord may charge at most $20 for a background and credit check and a security deposit of at most one month's rent. See Finding a home in New York City and Renters' rights in New York City.

  8. Step 8: Within 10 days of moving in – report your address to USCIS

    Non-citizens, except A and G visa holders and visa waiver visitors, must report every change of address to USCIS within 10 days of moving, online through a USCIS account or with Form AR-11. Also update your address with your employer, bank and school.

  9. Step 9: After you have an address – get an IDNYC card

    IDNYC is New York City's free photo ID for residents aged 10 and over, regardless of immigration status. Apply in person with 3 points of identity documents and 1 point of NYC residency; the card is mailed in 10 to 14 business days. See Getting an IDNYC card.

  10. Step 10: After you have an address – enroll children in school

    For kindergarten to grade 8, contact your zoned school (find it on 311 or the NYC Public Schools school search). If you have no zoned school or need help, book an appointment with a Family Welcome Center (718-935-2828). Bring proof of your child's age, immunization records and two proofs of address. NYC Public Schools staff do not ask about immigration status. See Families, childcare and schools in New York City.

  11. Step 11: First month – start work correctly

    Complete Form I-9 by your first day of work; your employer must check your documents within three business days of your start date. Fill in federal Form W-4 and New York Form IT-2104 for tax withholding, and check your first pay statement: the minimum wage in New York City is $17.00 an hour (2026). See Your rights at work in New York and Income tax in the United States.

Keep a document folder

US offices often ask for original documents. Keep your passport, visa, I-94 printout, approval notices, Social Security card, lease, insurance cards and certified birth and marriage certificates together, and store digital copies separately. Keep your Social Security card at home rather than in your wallet.

Watch out

Do not pay a deposit or application fee for an apartment you have not seen in person, and never pay by gift card or wire transfer to someone you have not met.

Calls or messages claiming to be from USCIS, the IRS or the Social Security Administration that demand immediate payment or threaten arrest are scams.

Only lawyers and accredited representatives may give immigration legal advice; avoid paid "notarios" and consultants.

Common mistakes

  • Applying for an SSN the day after arrival, before your entry can be verified.
  • Leaving a gap between arrival and the start of health insurance.
  • Forgetting to report the new address to USCIS within 10 days.
  • Paying a broker fee to a broker who works for the landlord.

Tips

  • Use the same card or phone for every subway and bus ride so that transfers and the weekly fare cap apply.
  • Ask your temporary accommodation for a written confirmation of your address; it helps with banks and mail before you have a lease.
  • Book your IDNYC appointment early; appointments are released every Friday for the following week.

Frequently asked questions

Editorial answers written by our team, based on the sources below.

What should I do first if I only have one day?

Check your I-94 record, save the emergency numbers and set up subway payment. Then plan your SSN appointment for about 10 days after arrival.

Do I need to register my address with the City?

No. New York City has no residence registration. Non-citizens report their address to USCIS within 10 days of moving, and everyone gives their address to their employer, bank, insurer and school.

In your plan

  • Join a free English conversation class
  • Enter the United States with the right documents
  • Apply for your Social Security number
  • Enroll your children in school
  • Enroll in health insurance
  • Check your I-94 record online
  • Complete Form I-9, tax withholding and direct deposit for your job
  • Find a long-term home and sign a lease

Sources

Written and checked by HomiStart editorial against the official sources below. Next scheduled check: 6 Jan 2027.

  1. U.S. Customs and Border ProtectionOfficial source
    I-94 Official Website information (Opens {{site}} in a new tab)
    Accessed 8 Oct 2026
  2. U.S. Customs and Border ProtectionOfficial source
    Currency reporting (FinCEN Form 105) (Opens {{site}} in a new tab)
    Accessed 8 Oct 2026
  3. City of New YorkOfficial source
    Text-to-911 (Opens {{site}} in a new tab)
    Accessed 8 Oct 2026
  4. Metropolitan Transportation AuthorityOfficial source
    Subway and bus fares (Opens {{site}} in a new tab)
    Accessed 8 Oct 2026
  5. Social Security AdministrationOfficial source
    Request Social Security number for the first time (Opens {{site}} in a new tab)
    Accessed 8 Oct 2026
  6. Social Security AdministrationOfficial source
    Social Security Numbers for Noncitizens (Publication No. 05-10096) (Opens {{site}} in a new tab)
    Accessed 8 Oct 2026
  7. Consumer Financial Protection BureauOfficial source
    Opening a bank or credit union account – A Newcomer's Guide to Managing Money (Opens {{site}} in a new tab)
    Accessed 8 Oct 2026
  8. U.S. Department of Labor, Employee Benefits Security AdministrationOfficial source
    Technical Release on the 90-day waiting period limitation (Opens {{site}} in a new tab)
    Accessed 8 Oct 2026
  9. HealthCare.gov (Centers for Medicare & Medicaid Services)Official source
    Special Enrollment Period (SEP) – glossary (Opens {{site}} in a new tab)
    Accessed 8 Oct 2026
  10. City of New York (ACCESS NYC)Official source
    Child Health Plus (Opens {{site}} in a new tab)
    Accessed 8 Oct 2026
  11. NYC Department of Consumer and Worker ProtectionOfficial source
    Fairness in Apartment Rental Expenses (FARE) Act FAQ (Opens {{site}} in a new tab)
    Accessed 8 Oct 2026
  12. New York State Office of the Attorney GeneralOfficial source
    Residential Tenants' Rights Guide (Opens {{site}} in a new tab)
    Accessed 8 Oct 2026
  13. U.S. Citizenship and Immigration ServicesOfficial source
    How to Change Your Address (Opens {{site}} in a new tab)
    Accessed 8 Oct 2026
  14. City of New York (IDNYC)Official source
    IDNYC – How to apply (Opens {{site}} in a new tab)
    Accessed 8 Oct 2026
  15. City of New York (IDNYC)Official source
    IDNYC – Frequently Asked Questions (Opens {{site}} in a new tab)
    Accessed 8 Oct 2026
  16. New York City Public SchoolsOfficial source
    Family Welcome Centers (Opens {{site}} in a new tab)
    Accessed 8 Oct 2026
  17. New York City Public SchoolsOfficial source
    Immigrant Families (Opens {{site}} in a new tab)
    Accessed 8 Oct 2026
  18. U.S. Citizenship and Immigration ServicesOfficial source
    Completing Section 1, Employee Information and Attestation (Form I-9) (Opens {{site}} in a new tab)
    Accessed 8 Oct 2026
  19. Internal Revenue ServiceOfficial source
    About Form W-4, Employee's Withholding Certificate (Opens {{site}} in a new tab)
    Accessed 8 Oct 2026
  20. New York State Department of Taxation and FinanceOfficial source
    Instructions for Form IT-2104, Employee's Withholding Allowance Certificate (2026) (Opens {{site}} in a new tab)
    Accessed 8 Oct 2026
  21. New York State Department of LaborOfficial source
    Your New York State Minimum Wage (Opens {{site}} in a new tab)
    Accessed 8 Oct 2026

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