Yes, you can open most bank accounts entirely online, but you'll need to verify your identity first

Most banks and credit unions now let you start an account from your computer or phone without visiting a branch. The process typically takes 10 to 20 minutes. You'll provide your Social Security number, date of birth, address, and employment information, then the bank verifies who you are through a third-party service or by checking your credit file. Some banks ask you to upload a photo of your ID; others use knowledge-based questions (details from your credit history that only you should know). Once approved, your account opens immediately, and you can use it the same day.

Not every account type is available online. Savings accounts, checking accounts, and money market accounts can almost always be opened remotely. Secured credit cards, business accounts, and accounts for minors often require a visit to a branch or additional steps. If you don't have a Social Security number or credit history, online opening may not work—you may need to go in person or bring documents to verify your identity another way.

Key Takeaways

  • You can open a checking or savings account online in 10 to 20 minutes using your Social Security number, date of birth, and address.
  • Banks verify your identity through third-party services, credit file checks, or by asking you to upload a photo of your driver's license or passport.
  • Your account is usually active the same day, though transfers from other banks may take one to three business days to clear.
  • If you have no credit history or Social Security number, you may need to visit a branch in person or bring additional documents.
  • Business accounts, accounts for minors, and some specialty products typically require a branch visit or phone call to complete.

What information you'll need to have ready

Before you start, gather your Social Security number, current address, phone number, and email address. Have your date of birth and driver's license or passport number handy. If you're employed, the bank may ask for your employer's name and your job title, though this is often optional for basic accounts. If you're self-employed or retired, you may need to provide different information—some banks ask for your annual income or the source of your funds.

If you're opening an account as a joint account (with a spouse or partner), you'll need their Social Security number and identifying information too. Some banks let you add the second person during the initial setup; others require you to complete your account first and add them later in person or by phone.

How identity verification works online

Banks use one of three main methods to confirm you are who you say you are. The most common is knowledge-based verification: the bank pulls information from your credit file and asks you questions only you should know the answers to—like which of these addresses did you live at in 2019, or which lender issued your car loan. You answer a few questions correctly, and the bank approves you.

The second method is document upload. You photograph or scan your driver's license, passport, or state ID and upload it through the bank's website. The bank's system reads the document and checks it against your application. This usually takes a few minutes, though some banks review uploads manually and may take a few hours.

The third method is third-party verification. The bank sends you to a separate service (often called an identity verification platform) where you answer questions, upload documents, or both. Once that service confirms your identity, it reports back to the bank, and your account opens. This can happen in real time or take a few hours depending on the service and the bank.

If the bank cannot verify you online—because you have no credit history, your information doesn't match their records, or your ID is expired—they'll ask you to visit a branch, mail in documents, or call to complete the process by phone.

Timeline from application to using your account

Once you submit your application and pass identity verification, your account usually opens within minutes to a few hours. You can log in, set up a PIN, and use your account number to receive deposits the same day. However, if you're transferring money from another bank, that transfer takes one to three business days to arrive, depending on the method. ACH transfers (the most common type) typically take one to two business days. Wire transfers are faster but may cost a fee.

If you ordered a debit card during signup, it ships separately and arrives in five to ten business days. Some banks offer a temporary digital card you can use immediately in Apple Pay, Google Pay, or Samsung Pay while you wait for the physical card. A few banks mail a temporary card number you can use online right away.

If the bank needs to review your application manually—because something didn't match or verification failed—approval can take one to three business days. They'll email or call you if they need more information.

Banks and credit unions that let you open accounts online

Most large national banks offer online account opening: Chase, Bank of America, Wells Fargo, Citibank, and US Bank all let you open checking and savings accounts from your phone or computer. Many regional banks do too. Credit unions vary—some allow online opening, others require you to visit a branch or be a member of a specific group (like employees of a certain company or residents of a certain county).

Online-only banks like Ally, Chime, Charles Schwab Bank, and Discover Bank were built around remote account opening and typically have the fastest, simplest process. They have no physical branches, so everything happens online or by phone. If you need in-person service, an online bank is not the right choice.

Before you apply, check the bank's website for its specific requirements. Some banks have minimum deposit amounts (often $25 to $100); others have none. Some charge monthly fees; others waive fees if you maintain a minimum balance or set up direct deposit. These details vary widely and change over time.

What happens if online verification fails

If the bank cannot verify you online, you have a few options. The most common is to visit a branch in person with your ID and proof of address (like a utility bill or lease). Verification in person is usually instant. You can also mail documents to the bank—a copy of your ID and a document showing your current address—though this takes longer and the bank may ask follow-up questions.

Some banks let you complete verification by phone. A representative will ask you questions or guide you through uploading documents over a video call. This usually takes 10 to 15 minutes and works if you have a valid ID and a stable address.

If you have no Social Security number (for example, if you're an immigrant without a work authorization number), some banks will open an account using an Individual Taxpayer Identification Number (ITIN) instead. Not all banks accept ITINs, so you may need to call ahead or visit a branch. Credit unions are sometimes more flexible with alternative identification.

Frequently Asked Questions

Can I open an account if I have bad credit or no credit history?

Yes. Most banks do not check your credit score to open a checking or savings account. They verify your identity and check ChexSystems (a banking history database) to see if you've had problems with past accounts, but a low credit score does not stop you. If you have no credit history at all, online verification may fail because the bank has no information to verify against—in that case, visit a branch with your ID and proof of address.

Do I have to make a deposit to open an account online?

Not always. Many banks let you open an account with zero dollars and deposit money later. Some require a minimum opening deposit of $25 to $100. Check the bank's website before you apply to see if a deposit is required. If you're opening an account to receive direct deposit (like a paycheck), you can usually open with zero dollars and the deposit will arrive later.

What if I don't have a driver's license?

You can use a passport, state ID card, or tribal ID instead. If you have none of these, you'll need to visit a branch in person with alternative documents—like a birth certificate, Social Security card, and proof of address. Some banks accept consular IDs (issued by a foreign government) if you're not a U.S. citizen.

Can I open a joint account online with someone else?

Most banks let you start the process online, but the second person may need to verify separately or sign documents. Some banks complete the whole process online if both people have valid IDs and Social Security numbers. Others require the second person to visit a branch or sign documents by mail. Call the bank or check their website to see how they handle joint accounts.

How long does it take to receive my debit card after opening an account online?

Physical debit cards usually arrive in five to ten business days. Many banks offer a digital card (for use in Apple Pay or Google Pay) or a temporary card number you can use online immediately. Check your account settings after opening to see if a digital card is available.