Hello Julied,
No it is not difficult, me and my manager (who happens to be a US citizen) easily opened a bank account. He only needed his passport with him, and a couple of pictures. It will be opened immediately, but if you need a credit card that will take more than a month to arrive.
We used Baghdad Bank. Thats probably the best one, it also has branches all over iraq. (at least in erbil..)
If you need more help let me know