Yes, you can open a joint account online, but the process depends on your bank and whether both account holders are existing customers
Most major banks let you start a joint account through their website or mobile app without visiting a branch. However, the exact steps vary. Some banks allow one existing customer to add a joint owner online; others require both people to be present (in person or via video) to verify their identity. A few banks still require at least one visit to a physical location. The fastest route is usually opening with a bank where you already have an account, because they already have your identity on file.
The key constraint is identity verification. Banks must confirm that both account holders are who they say they are under federal law. Online verification works through document upload, video call, or knowledge-based questions. If your bank cannot verify both of you online, they will ask you to come in or will deny the application.
Key Takeaways
- Most banks allow you to open a joint account online if at least one account holder is already a customer, but verification requirements vary by bank.
- Both account holders will need to provide government-issued ID, Social Security number, and proof of address during the online process.
- Video verification is now common at large banks, but some smaller banks or credit unions may still require an in-person visit.
- The process typically takes one to three business days once both people have completed identity verification.
What happens during online verification
When you start a joint account online, the bank will ask for specific documents from both account holders. Expect to provide a government-issued ID (driver's license, passport, or state ID card), your Social Security number, and proof of current address (utility bill, lease, or bank statement dated within the last 60 days). Some banks also ask for employment information or the reason you are opening the account.
The bank then verifies your identity through one of three methods. The first is document upload: you photograph or scan your ID and address proof and submit them through the app or website. The second is a video call with a bank representative who watches you hold up your ID and asks verification questions. The third is knowledge-based verification, where the system asks questions only you should know the answer to (based on your credit history or public records). Most large banks use video or document upload; knowledge-based questions are less common now but still used by some institutions.
If the bank cannot verify you online—for example, if your address is too new or your ID is expired—they will ask you to visit a branch or may deny the application. This is why having an existing account at the bank speeds things up: they already verified you once.
Timeline from application to account opening
The speed depends on how quickly both account holders complete their part. If you both submit documents or do video verification on the same day, the account usually opens within one to three business days. If one person delays, the clock does not start for the second person until both have been verified.
Some banks offer same-day or next-day opening if both people verify in real time through video. Others take the full three business days even if verification is instant. Check your bank's website or call their customer service line to ask about their specific timeline.
Once the account opens, you will receive debit cards in the mail (usually within five to seven business days) and can begin using the account immediately through the app or online banking. You can set up transfers and bill pay before the physical cards arrive.
Which banks allow fully online joint account opening
Large national banks including Chase, Bank of America, Wells Fargo, and Citibank all allow online joint account opening if at least one person is an existing customer. If neither of you has an account there, most will still let you open online, but both people must complete video verification or submit documents. Some regional banks and credit unions have the same process; others require an in-person visit.
Online-only banks like Ally, Charles Schwab, and Discover also offer joint accounts online, though they may have stricter verification requirements because they have no physical branches. Credit unions vary widely: some allow fully online opening, others require at least one member to visit a branch. Call your credit union before starting an application.
If your bank's website does not clearly state whether joint accounts can be opened online, contact them directly. Many banks have updated their processes in recent years, and the answer may not be posted prominently on their site.
What you both need to provide
| Document or Information | What the bank needs |
|---|---|
| Government-issued ID | Driver's license, passport, or state ID card (must be current and not expired) |
| Social Security number | Full nine-digit SSN for both account holders |
| Proof of address | Utility bill, lease, mortgage statement, or bank statement dated within 60 days |
| Employment information | Employer name and address (some banks ask; not all require it) |
| Initial deposit | Varies by bank and account type; ranges from $0 to $500 |
What to do if one person cannot verify online
If one account holder cannot complete online verification—because their ID is expired, their address is too new, or the bank's system rejects their documents—you have a few options. The first is to visit a branch together with original documents. The second is to ask the bank whether the person who can verify online can add the other person after the account opens. Some banks allow this; others do not.
If your bank will not open the account online, you can either visit a branch or try a different bank. Some banks are more flexible with verification than others, especially if you have an existing account there or can provide additional documentation (like a recent tax return or employment letter).
Frequently Asked Questions
Can I open a joint account online if neither of us has an account at that bank?
Yes, most large banks allow this, but both people must complete identity verification—usually through video call or document upload. Some smaller banks or credit unions may require at least one person to visit a branch. Check the bank's website or call before starting the application.
What if my ID is expired?
Most banks will not accept an expired ID for online verification. You will need to renew it first or visit a branch with your expired ID plus another form of identification. Some banks make exceptions if you can provide additional documents, so call and ask before giving up.
Do both people have to be present at the same time for video verification?
No. Each person can complete their video verification separately, at different times. The bank will schedule a call with each account holder individually. You do not need to be on the call together.
Can I add someone to my existing account instead of opening a new joint account?
Yes. If you already have an account at the bank, you can often add a joint owner through online banking without opening a new account. The new owner will still need to verify their identity. Check your bank's website under "account settings" or "manage account" to see if this option is available.
What happens if the application is denied?
Banks deny joint account applications for a few reasons: identity verification failed, one person has a history of fraud or unpaid accounts, or the bank cannot confirm the address. If your application is denied, ask the bank why. You may be able to fix the issue (like updating your address) and reapply, or you can try a different bank.