Yes, you can open most checking accounts entirely online
Most banks and credit unions now let you open a checking account from your computer or phone without visiting a branch. You upload documents, verify your identity, and get approved in minutes to a few hours. The account number and routing number arrive by email or text, and you can start using the account the same day or within one business day.
The process differs slightly between banks, but the basic steps are the same: you fill out an application with your name, address, Social Security number, and employment information; you upload a photo ID and sometimes proof of address; the bank verifies your identity electronically; and you fund the account by linking an existing bank account or depositing a check by phone camera.
Not every bank offers full online opening. Some require you to visit a branch or video call with a representative. A few still require a minimum deposit before they open the account. Knowing which banks let you open accounts entirely online, and what documents you need, saves you a trip and gets you set up faster.
Key Takeaways
- Most major banks and credit unions let you open a checking account online using your phone or computer, with approval in minutes to a few hours.
- You will need a valid photo ID, your Social Security number, and proof of your current address to complete an online application.
- Some banks require a video call with a representative or an in-person visit, so check the bank's website before you start the application.
- Your account number and routing number usually arrive by email or text on the same day, and you can start using the account immediately or within one business day.
- A few banks require a minimum opening deposit, typically $25 to $100, but many have no minimum.
What documents and information you need to have ready
Before you start an online application, gather your photo ID, Social Security number, and a recent utility bill or lease showing your current address. Most banks ask for all three. Some also ask for your employment information, including your employer's name and your job title, though this is optional on many applications.
Your photo ID must be a driver's license, passport, or state ID card. The bank will photograph it or you will upload an image. Make sure the ID is not expired and that your name and address on the ID match what you enter in the application. If your address has changed since you got your ID, bring a utility bill, lease, or recent bank statement showing your new address.
Have your Social Security number written down or memorized. The bank uses it to check your credit history and verify your identity. If you do not have a Social Security number, some banks and credit unions have accounts for people without one, but you will need to call or visit in person to open one.
The step-by-step process for opening an account online
Start by going to the bank's website or downloading its mobile app. Look for a button that says "Open an Account" or "get your free guide." Click it and you will land on an application form.
Fill in your personal information: full name, date of birth, Social Security number, current address, phone number, and email address. Double-check spelling and numbers before you move forward. Then enter your employment information if the bank asks for it. This step usually takes five to ten minutes.
Next, upload or photograph your photo ID. Most banks let you take a photo with your phone camera and upload it directly. Make sure the photo is clear and shows the entire ID. Then upload proof of your address—a utility bill, lease, or bank statement dated within the last 60 days. Some banks skip this step if your ID address matches your application address.
The bank will then verify your identity. Many use automated systems that check your information against public records and credit bureaus in real time. This usually takes a few minutes. If the system cannot verify you automatically, a bank representative may call or email you to confirm details. A few banks require a video call where you show your ID to a representative on camera.
Once you are verified, you will see a confirmation screen with your new account number and routing number. The bank will also email or text these to you. At this point, your account is open and active.
How to fund your new account right away
You have several options to put money into your new checking account on the day you open it. The fastest is to link an existing bank account and transfer money electronically. This usually takes one to two business days to show up in your new account, though some banks make the money available immediately.
Another option is to deposit a check by phone camera. Many banks let you photograph the front and back of a check and submit it through their app. The bank will tell you when the funds will be available—usually one to three business days.
If you have a debit card from another bank, some banks let you use it to make an initial deposit at an ATM. A few banks also accept cash deposits at their branches or partner ATMs on the day you open the account.
Some banks require a minimum opening deposit before they activate the account. This is usually $25 to $100. Check the bank's website before you apply so you know whether you need to have money ready.
Banks that require a video call or in-person visit
Not all banks let you open an account entirely online without talking to someone. Some require a video call with a representative, and a few still require you to visit a branch in person.
Credit unions are more likely to require a video call or branch visit than large national banks. If you are opening an account at a credit union, check their website first to see whether they offer full online opening. Many do, but some require at least a brief video verification call.
A few banks require an in-person visit if you are opening certain types of accounts, such as a joint account or an account with overdraft protection. If you are opening a basic individual checking account, most banks will let you do it online.
If the bank you want requires a video call or visit, you can usually schedule it at a time that works for you. The video call typically takes 10 to 15 minutes. After that, your account opens the same way as a fully online opening.
What happens if the bank cannot verify your identity online
If the bank's automated system cannot verify you, a representative will contact you by phone or email. They will ask you to confirm details from your application, such as your address, date of birth, or previous addresses you have lived at. This is a normal part of the process and does not mean you have done anything wrong.
Answer their questions honestly and provide any additional information they ask for. If they ask for more documents, such as a second form of ID or a utility bill in a different name, send them by email or upload them through the app. Most banks complete this verification within one business day.
In rare cases, a bank may decline to open an account if they cannot verify your identity or if you have a history of fraud or unpaid overdrafts at other banks. If this happens, the bank will tell you why and may suggest you visit a branch in person with additional documents. You can also contact the bank's customer service line to ask what you can do next.
How long it takes to get your account number and start using the account
Your account number and routing number usually arrive by email or text within minutes of approval, sometimes within a few hours. You can use these numbers to set up direct deposit or to receive wire transfers as soon as you get them.
Your debit card takes longer. Most banks mail it to you within five to seven business days. Some offer a temporary digital card you can use immediately in your phone's wallet to make purchases online or in stores while you wait for the physical card to arrive.
If you need to withdraw cash before your debit card arrives, you can visit an ATM at the bank's branch or at a partner ATM network. Many banks let you withdraw cash at ATMs on the day you open the account using just your account number, or you can ask a teller at a branch to withdraw cash for you.
Frequently Asked Questions
Can I open a checking account online if I do not have a photo ID?
Most banks require a photo ID to open an account online. If you do not have one, you will need to visit a branch in person or call the bank to ask about alternatives. Some credit unions and community banks may have options for people without a photo ID, but you will likely need to speak with a representative directly.
What if I do not have a Social Security number?
You cannot open a checking account online without a Social Security number or Individual Taxpayer Identification Number (ITIN). Some banks and credit unions have accounts for people without a Social Security number, but you must visit a branch or call to open one. Bring your passport or other government-issued ID and proof of address.
Can I open a joint checking account online?
Some banks let you open a joint account online, but many require at least one account holder to visit a branch or complete a video call. Check the bank's website to see whether joint accounts can be opened fully online. If not, one person can open the account and add the other person later, or you can schedule a video call with a representative.
How long does it take to get approved for an online checking account?
Most banks approve online checking accounts within minutes to a few hours. If the bank needs to verify your identity manually or request additional documents, approval may take one to three business days. You will receive an email or text when your account is approved and ready to use.
Can I use my new checking account before my debit card arrives?
Yes. You can use your account number and routing number to set up direct deposit, receive wire transfers, or pay bills online as soon as you get them. Many banks also offer a temporary digital card in your phone's wallet that you can use to make purchases while you wait for your physical debit card to arrive in the mail.