Yes, you can open most bank accounts entirely online
Most banks and credit unions now let you open a checking or savings account from your computer or phone without visiting a branch. The process typically takes 10 to 20 minutes. You'll need a government-issued ID, a Social Security number or tax ID, proof of your current address, and an initial deposit (which varies by bank—some have no minimum, others require $25 or more).
Not every account type is available online. Some banks restrict certain products—like business accounts, trust accounts, or accounts for minors—to in-person opening only. Before you start, check whether the specific account you want can be opened online at that bank.
Key Takeaways
- Most checking and savings accounts can be opened online in 10 to 20 minutes using your ID, Social Security number, proof of address, and an initial deposit.
- Banks verify your identity by checking your information against databases, and some ask you to upload photos of your ID or take a video selfie.
- Your account is usually active within one to three business days, though some banks activate it immediately.
- Business accounts, accounts for minors, and certain specialty products often require you to visit a branch or mail in documents.
- If you don't have an ID or Social Security number, some banks and credit unions offer alternatives, but the process takes longer and may require a branch visit.
What information and documents you need to have ready
Gather these items before you start: a valid government-issued photo ID (driver's license, passport, or state ID card), your Social Security number, proof of your current address (a recent utility bill, lease, or bank statement dated within the last 60 days), and your initial deposit amount or a linked bank account to fund it.
Some banks ask for additional information depending on your situation. If you've had accounts closed for fraud or unpaid overdrafts, the bank may ask about that history. If you're opening an account as a non-U.S. citizen, you may need an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number, though not all banks accept this.
How banks verify your identity online
Banks use several methods to confirm you are who you say you are. Most commonly, they check your information against databases maintained by credit bureaus and identity verification services. They ask questions only you should know the answers to—previous addresses, loan amounts, or credit card details from your history.
Some banks take an extra step and ask you to upload photos of both sides of your ID. Others use video verification, where you take a selfie and the system compares it to your ID photo. A few banks send a verification code to your phone or email that you must enter to complete the process. If the system cannot verify you automatically, the bank will contact you by phone or email to finish the account opening manually.
When your account becomes active and usable
Timing varies by bank. Some accounts are active immediately after you finish the online application, and you can start using your debit card or making transfers within minutes. Others take one to three business days for the bank to complete its internal review and send you account details.
Your debit card usually arrives by mail within 7 to 10 business days. Until it arrives, you can still use your account online—transferring money, setting up bill pay, or receiving direct deposits. If you need cash immediately, you can withdraw from the bank's ATMs or visit a branch with your ID and account number.
Accounts you cannot open online
Business accounts, joint accounts with someone you cannot verify online, accounts for minors (usually anyone under 18), and accounts held in trust typically require a branch visit or mailed documents. Some banks also restrict accounts for non-U.S. residents or people without a Social Security number to in-person opening.
If you need one of these account types, contact the bank directly to ask what documents to mail or whether a branch visit is required. Some banks will let you start the process online and finish it by mail, which takes longer but avoids a trip to the branch.
What to do if online verification fails
If the bank's automated system cannot verify your identity, you will receive an email or phone call explaining why. Common reasons include a mismatch between the information you entered and what the bank's databases show, a recent move that hasn't updated in credit records, or a name change that wasn't reflected in your ID.
When this happens, the bank will usually offer to complete the account opening by phone with a representative, or by mailing in a copy of your ID and proof of address. This process adds 3 to 7 business days. Keep your application reference number handy—you'll need it to follow up if you don't hear back within the timeframe the bank gave you.
Opening an account without a Social Security number
If you don't have a Social Security number, some banks and credit unions will open an account using an ITIN (Individual Taxpayer Identification Number) or a passport number. However, not all banks accept these alternatives, and the ones that do often require you to visit a branch or mail in documents rather than completing the process entirely online.
Credit unions are sometimes more flexible than large banks on this issue. Call ahead to confirm whether the bank or credit union you want to use accepts your form of ID and whether you can open an account online or must visit in person. If you're a non-U.S. citizen, ask whether the bank requires a U.S. address or whether a foreign address is acceptable.
Frequently Asked Questions
How much money do I need to open an account online?
It depends on the bank. Many banks have no minimum deposit requirement. Others require $25, $100, or more to open the account. Check the bank's website before you start the application to see what it requires. Some banks waive the minimum if you set up direct deposit.
Can I open an account if I've been denied before?
Yes, but it depends on why you were denied. If a previous bank closed your account due to fraud or unpaid overdrafts, you may appear in ChexSystems, a database banks use to screen applicants. Some banks will still open an account for you; others will not. Second-chance banking programs exist specifically for people in this situation, though they may have higher fees.
Do I need a credit card to open a bank account?
No. A bank account and a credit card are separate products. You do not need a credit card to open a checking or savings account, and the bank will not run a credit check to open a deposit account. You will need to provide your Social Security number for tax reporting purposes, but that is different from a credit check.
What happens if I enter the wrong information by mistake?
If you notice the error before you submit the application, go back and correct it. If you've already submitted it and the bank's verification system catches the mistake, the bank will contact you to confirm the correct information. If the error causes verification to fail, you may need to complete the process by phone or mail instead.
Can someone else open an account for me online?
No. The person whose name is on the account must be the one to complete the online application and verify their identity. A parent or guardian can open an account for a minor, but they must do so in person at a branch, not online. You cannot authorize someone else to open an account in your name.