Yes, you can open most Bank of America accounts entirely online
Bank of America lets you open a checking or savings account from your computer or phone without visiting a branch. The process takes about 10 minutes and requires a valid government ID, Social Security number, and an initial deposit method. You'll have access to your account immediately after approval, though some features may take a day or two to activate.
Not every account type is available online. Money Market accounts and some specialty products still require a branch visit or phone call. If you already have a Bank of America account, opening a second one online is faster because the bank already has your information on file.
Key Takeaways
- Checking and savings accounts open online in about 10 minutes using your ID, Social Security number, and a funding method.
- You need a valid government-issued ID and a way to verify your identity — a phone number, email, or existing Bank of America account.
- Your account is usable immediately, but debit cards and some services take one to three business days to activate.
- Money Market accounts and certain specialty products require a phone call or branch visit instead of online opening.
- If you have an existing Bank of America account, opening a linked account online is faster because verification is simpler.
What you need before you start
Gather these items before opening your account: a valid government-issued ID (driver's license, passport, or state ID card), your Social Security number, and a way to fund the account. Bank of America accepts transfers from another bank account, a debit card, or a credit card as your initial deposit. The minimum opening deposit varies by account type — some checking accounts require $0, while others ask for $25 or more.
You'll also need a phone number and email address that you can access during the application. Bank of America uses these to send you a verification code or confirmation link. If you're applying from outside the United States, you may need additional documentation, and some account types won't be available to you.
The step-by-step process
Go to bankofamerica.com and click "Open an Account" or "get your free guide." Choose the account type you want — Advantage Checking, Advantage Plus Checking, or Savings. The site will ask whether you're a new customer or already have a Bank of America account; select the correct option because the path differs.
Enter your personal information: full name, date of birth, Social Security number, address, phone number, and email. Bank of America will ask you to create a username and password for online banking. Next, you'll verify your identity by answering security questions based on your credit history, or by receiving a code via text or email that you enter to confirm your phone number or email address.
Choose your initial deposit method and enter the account or card details. Review the account terms and disclosures, then sign the agreement electronically. Bank of America will confirm your account is open and show you your account number. You can log in to online banking immediately, but your debit card will arrive by mail in five to seven business days.
What happens after you submit your application
Your account opens instantly in most cases, and you'll see it in your online banking dashboard right away. However, some features take time to activate. Your debit card ships within one to three business days and arrives in five to seven days. Direct deposit and bill pay may take up to one business day to become active. Transfers to and from other banks can take one to three business days depending on the other bank's processing speed.
If Bank of America needs more information to verify your identity, they'll contact you by phone or email. This happens occasionally and doesn't mean your application was denied — it means they need clarification on something in your credit history or address. Respond to their request within the timeframe they give you, usually a few days.
Account types you can open online
| Account Type | Online Opening | Minimum Deposit | Notes |
|---|---|---|---|
| Advantage Checking | Yes | $0 | No monthly fee if you maintain a minimum balance or set up direct deposit |
| Advantage Plus Checking | Yes | $0 | Higher balance requirement to waive fees; includes overdraft protection options |
| Savings Account | Yes | $0 | Interest rate varies; no monthly fee |
| Money Market Account | No | $2,500 | Requires phone call or branch visit; higher interest rate |
| Certificate of Deposit (CD) | No | Varies | Must open at branch or by phone; locks funds for set term |
If you want a Money Market account or CD, call Bank of America at 1-800-432-1000 or visit a branch. These accounts require more detailed discussion about your financial goals and the terms of the product.
Identity verification and security during signup
Bank of America verifies your identity using information from credit bureaus and public records. During signup, they'll ask you security questions like "Which of these addresses have you lived at?" or "Which of these is your correct middle name?" You answer based on your actual history. This process takes a few minutes and happens automatically for most applicants.
If the system can't verify you this way — because you have limited credit history, recently moved, or have a common name — Bank of America will ask you to verify your phone number or email instead. They'll send you a code via text or email that you enter to prove you control that contact method. This is just as secure and usually resolves in seconds.
After your account opens, Bank of America sends you a temporary password or asks you to set one. Use a strong password with uppercase letters, numbers, and symbols. Enable two-factor authentication in your account settings so that anyone trying to log in from a new device has to verify it's really you.
Common reasons your application might be delayed or declined
Bank of America may decline your application if you have a history of unpaid overdrafts, fraud, or abuse of banking services. They also check ChexSystems, a database that tracks banking problems. If you've had accounts closed due to negative balances or suspicious activity, you may not be able to open an account online — though you can sometimes appeal or try again after a waiting period.
Your application may be delayed if your name, address, or Social Security number doesn't match what's in the credit bureaus' records. This is common after a recent move, name change, or marriage. If this happens, Bank of America will contact you and may ask for additional documents like a utility bill or lease to confirm your address. Respond quickly so they can complete your verification.
If you're under 18, you cannot open an account online. You'll need a parent or guardian to open a custodial account at a branch or by phone.
Frequently Asked Questions
How long does it take to get my debit card after opening an account online?
Your debit card ships within one to three business days and arrives in five to seven business days. You can use your account for transfers and bill pay before the card arrives. If you need cash immediately, visit a Bank of America branch and ask for a temporary card or cash withdrawal from your new account.
Can I open a Bank of America account online if I don't have a Social Security number?
No. Bank of America requires a Social Security number or Individual Taxpayer Identification Number (ITIN) to open an account. If you have an ITIN, you may be able to open an account by phone or at a branch; call 1-800-432-1000 to ask about your options.
What if I'm denied when I try to open an account online?
Bank of America will tell you why — usually ChexSystems history, unpaid overdrafts, or fraud concerns. You can request a copy of your ChexSystems report at consumerdebit.equifax.com to see what's on file. If there's an error, dispute it. You can also try again after six months or visit a branch to discuss your options with a banker.
Do I need an existing Bank of America account to open a new one online?
No. New customers can open an account online. However, if you already have a Bank of America account, the process is faster because the bank already has your identity verified. You can open a linked account in just a few minutes.
Can I open a joint account online with Bank of America?
No. Joint accounts require both account holders to verify their identity in person or by phone. One person can open the account online, then contact Bank of America to add the second person. The second person will need to provide their own ID and Social Security number.