Yes, you can open most Bank of America accounts online, but the process and what you can complete depends on the account type

Bank of America lets you open a checking or savings account entirely online through their website or mobile app. You'll need a valid government ID, a Social Security number, and an initial deposit method — usually a debit card or bank account to fund it. The whole process takes about 10 minutes, and your account is typically active the same day or within 24 hours.

Some account types and situations require a branch visit or a phone call instead. If you're opening a business account, applying for a credit card, or need to verify your identity in person, you'll have to go to a branch or call their customer service line. The online path works for personal checking and savings accounts for most people, but not all.

Key Takeaways

  • Personal checking and savings accounts can be opened online in about 10 minutes using your ID, Social Security number, and a funding source.
  • Your account becomes active the same day or within one business day after you complete the online application.
  • Business accounts, credit card applications, and some identity verification situations require a phone call or branch visit.
  • You'll need to set up online banking access and a PIN during the online process before you can use your debit card.

What you need to open an account online

Gather these items before you start: a valid government-issued photo ID (driver's license, passport, or state ID), your Social Security number, and a way to fund the account. Bank of America accepts a debit card, credit card, or existing bank account number to make your initial deposit. You'll also need an email address and a phone number where they can reach you.

The initial deposit amount depends on the account type. Bank of America's basic checking account (called SafePass Checking) has no minimum opening deposit, though you can deposit as little as $25 if you want to. Their interest-bearing accounts may have higher minimums — check the current requirements on their website, as these change.

Steps to open an account online

Go to bankofamerica.com or open the Bank of America mobile app and select "Open an Account." Choose the account type you want — checking, savings, or money market. Enter your personal information: name, date of birth, address, phone number, email, and Social Security number. Bank of America will run a soft credit check and verify your identity using information from your ID.

Next, choose your initial deposit method and amount. If you're using a debit or credit card, enter the card number and the amount you want to deposit. If you're transferring from another bank account, provide the routing number and account number. Review the account terms and disclosures, then sign the agreement electronically. Your account opens immediately, though the deposit may take one to two business days to appear depending on your funding method.

After your account opens, you'll set up online banking access with a username and password, then create a four-digit PIN for your debit card. Your debit card will arrive by mail within 7 to 10 business days. You can request a temporary card number to use online or at ATMs while you wait for the physical card.

When you cannot open an account online

Business accounts must be opened at a branch or over the phone with a Bank of America representative. You'll need to bring business formation documents (like an EIN letter from the IRS or articles of incorporation), a business license, and personal identification for the owner or authorized representative. Call 1-800-432-1000 to start the process or visit a local branch.

If Bank of America cannot verify your identity online — which can happen if your ID information doesn't match their records, or if you have a very limited credit history — they'll ask you to visit a branch in person or provide additional documentation by mail. They'll tell you which option applies when you hit that step in the application.

Credit card applications are separate from bank account applications and must be done through a different process, either online on their credit card page or in person at a branch.

How long it takes and when you can use your account

Your checking or savings account is usually active the same day you complete the online application, or within one business day. You can log into online banking and set up bill pay immediately. Your debit card arrives by mail in 7 to 10 business days, but you can use a temporary card number right away for online purchases or ATM withdrawals at Bank of America machines.

Deposits made during the application process may take longer to clear. If you funded your account with a debit card, the money typically appears within one business day. If you transferred from another bank using ACH (the standard electronic transfer method), allow one to three business days. Wire transfers are faster but may carry a fee.

What happens if your application is denied or delayed

Bank of America may deny your application if you have a history of overdrafts or fraud at other banks, if you're listed in ChexSystems (a banking history database), or if your identity cannot be verified. If your application is denied, you'll receive an email explaining the reason. You can call 1-800-432-1000 to ask about your specific situation or to request a manual review.

If your application is delayed, it's usually because Bank of America needs to verify your identity further. They may ask you to upload a photo of your ID, provide a recent utility bill, or call you to confirm information. Respond to their requests as quickly as you can — delays typically resolve within a few business days once you provide what they need.

Funding your new account and setting up transfers

After your account opens, you can add money through several methods: transfer from another bank account, deposit at a Bank of America ATM using your temporary card number, mobile check deposit through the app, or direct deposit from your employer. The fastest method is usually a transfer from an existing account at another bank, which takes one to three business days.

Once your account is open and funded, set up automatic transfers or bill pay through online banking. You can schedule recurring transfers to savings, pay bills directly from your checking account, or set up direct deposit for paychecks. All of these can be configured immediately after your account opens, even before your physical debit card arrives.

Frequently Asked Questions

Do I need a minimum deposit to open an account online?

Bank of America's SafePass Checking has no minimum opening deposit. Other account types may require $25 or more. Check the current requirements for the specific account you want to open, as minimums vary by product and change over time.

Can I open an account if I'm not a U.S. citizen?

You need a valid government-issued ID and a Social Security number or ITIN (Individual Taxpayer Identification Number). Non-citizens with an ITIN can open accounts, but you may need to visit a branch or provide additional documentation. Call 1-800-432-1000 to confirm what you'll need.

What if I don't have a debit card to fund my account?

You can fund your account with a credit card or by transferring from another bank account. If you have neither, visit a Bank of America branch and deposit cash directly, or call customer service to discuss other options.

Can I open a joint account online?

Joint accounts require both account holders to verify their identity and sign the agreement. Bank of America may require one or both owners to visit a branch or complete additional verification steps. Start the online application and follow the prompts for joint account setup — you'll be told if a branch visit is needed.

How do I check the status of my application?

Log into your Bank of America online banking account or check your email for updates. If your application is pending or needs additional information, Bank of America will contact you by email or phone. You can also call 1-800-432-1000 to ask about your application status.