Yes, you can open most Bank of America accounts online without visiting a branch
Bank of America lets you open a checking or savings account entirely online using a computer or mobile app. You will need a valid government ID, a Social Security number, and a way to verify your identity — usually a phone number or email address where you can receive a verification code. The whole process takes about 10 to 15 minutes, and your account can be ready to use the same day or within one business day.
Not every account type is available online. Money Market accounts and CDs (certificates of deposit) require a phone call or branch visit. If you already have any account with Bank of America, opening a second account online is faster because the bank already has your identity information on file and can skip the verification step.
Key Takeaways
- You can open a checking or savings account online with a valid ID, Social Security number, and a way to receive a verification code by phone or email.
- The online process takes 10 to 15 minutes, and your account is usually active the same day or within one business day.
- If you do not have an existing Bank of America account, you will need to verify your identity through a video call or by uploading documents.
- Some account types, including Money Market accounts and CDs, cannot be opened online and require a phone call or branch visit.
- You can fund your new account immediately by linking an external bank account or waiting for a debit card to arrive by mail.
What you need before you start
Gather these items before opening your account online: a valid government-issued photo ID (driver's license, passport, or state ID card), your Social Security number, and a phone number or email address where you can receive a verification code. Bank of America will text or email you a code to confirm your identity during the signup process.
If you are a new customer with no existing Bank of America account, the bank may ask you to verify your identity through a video call with a representative or by uploading a photo of your ID and a recent utility bill or bank statement. This step usually takes a few extra minutes but happens during the same online session. Have your ID ready and keep a recent document showing your address nearby in case the system asks for it.
The step-by-step process on Bank of America's website or app
Start by going to bankofamerica.com or opening the Bank of America mobile app. Look for the "Open an Account" button, usually on the homepage. Select the account type you want — checking or savings — and choose the specific product (for example, Advantage Checking or Regular Savings).
Enter your personal information: full name, date of birth, address, phone number, and email. The bank will ask for your Social Security number and will run a soft credit check to verify your identity. You will then receive a verification code by text or email; enter that code to confirm your phone number or email address.
Review the account terms and fees, then sign the account agreement electronically. Bank of America will assign you an account number and routing number immediately. Your account is now open and you can begin using it right away, though you may not be able to deposit checks or transfer money until your debit card arrives in the mail.
How to fund your account after opening it
You have several ways to put money into your new account. The fastest is to link an external bank account from another bank and transfer money electronically; this usually takes one to three business days. You can also deposit a check by taking a photo of it with the Bank of America mobile app (mobile check deposit), though the bank may hold the funds for a few business days depending on the amount.
If you want to deposit cash, you will need to visit a Bank of America branch or ATM once your debit card arrives. Your debit card is mailed to your address on file and typically arrives within 7 to 10 business days. Until then, you can use your account number and routing number to set up direct deposit from an employer or receive transfers from other people.
When you cannot open an account online
Money Market accounts, CDs (certificates of deposit), and some specialty accounts must be opened by phone or in person at a branch. If you want one of these products, call Bank of America at 1-800-432-1000 or visit a local branch with your ID and Social Security number.
You also cannot open an account online if you do not have a valid government ID or Social Security number, or if you are under 18 (minors need a parent or guardian to open an account, usually in person). If you have been flagged in the bank's fraud system or have unpaid fees from a previous Bank of America account, you may be asked to resolve those issues before opening a new account. Call the bank to discuss your situation before attempting to open an account online.
What happens if identity verification fails
If Bank of America cannot verify your identity online — for example, if the information you enter does not match their records — the system will ask you to complete verification through a video call with a representative. This call usually happens immediately and takes 5 to 10 minutes. Have your ID ready and be prepared to answer questions about your personal history, such as previous addresses or account information.
If video verification is not available or fails, the bank may ask you to upload a photo of your ID and a recent document showing your address, such as a utility bill, lease, or bank statement. This process can take 24 to 48 hours for the bank to review. You will receive an email once your identity is confirmed and your account is fully activated. If you do not hear back within two business days, contact Bank of America to check the status.
Account types available online and their features
| Account Type | Monthly Fee | Minimum Balance | Key Features |
|---|---|---|---|
| Advantage Checking | $12 (waived with direct deposit or $1,500 daily balance) | None | Debit card, online banking, bill pay |
| Preferred Checking | $20 (waived with direct deposit or $10,000 daily balance) | None | Higher rewards, priority customer service |
| Regular Savings | $5 (waived with $300 daily balance) | None | Interest earned, online access |
| Money Market | $25 (waived with $2,500 daily balance) | $2,500 to open | Higher interest rate, limited transfers |
The Advantage Checking account is the most common choice for new customers because it has no minimum balance and the monthly fee is easy to waive through direct deposit or maintaining a $1,500 daily balance. The Preferred Checking account offers higher rewards and better customer service perks if you maintain a higher balance or receive direct deposit. Both are available to open online.
Regular Savings is a straightforward option if you want to save money and earn interest without the complexity of a Money Market account. Money Market accounts pay higher interest rates but require a $2,500 opening balance and are not available to open online — you must call or visit a branch for that product.
Frequently Asked Questions
How long does it take to get my debit card after opening an account online?
Your debit card is mailed to your address on file and typically arrives within 7 to 10 business days. You can use your account number and routing number to receive direct deposits or transfers before the card arrives. If you need cash access sooner, you can withdraw from any Bank of America ATM using your account number.
Can I open a Bank of America account online if I do not have a Social Security number?
No. Bank of America requires a Social Security number to open any account online. If you have an Individual Taxpayer Identification Number (ITIN) instead, you will need to visit a branch or call 1-800-432-1000 to discuss your options.
What if I already have a Bank of America account and want to open another one?
Opening a second account is faster because the bank already has your identity information. Log into your existing account online, look for the "Open an Account" option, and follow the same steps. You will not need to verify your identity again, and your new account will be active within minutes.
Can I open a joint account online with someone else?
Bank of America does not allow you to open a joint account entirely online if the other person is not already a customer. One person opens the account, and the other person must visit a branch or complete identity verification separately to be added as a joint owner.
What should I do if the online process asks me to visit a branch?
If the system directs you to a branch, it usually means your identity could not be verified online or you are trying to open an account type that requires in-person signup. Call 1-800-432-1000 to ask why, or visit your nearest Bank of America branch with your ID and Social Security number to complete the process in person.