Yes, you can open a Bank of America checking account entirely online
Bank of America lets you open a checking 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 (usually $25 or more, depending on the account type). You'll need to be at least 18 years old and a U.S. citizen or permanent resident.
The account is active immediately after you complete the online application, though some features like debit card ordering happen after approval. You can start using the account to receive deposits and make transfers right away.
Key Takeaways
- You need a valid government ID, Social Security number, and proof of current address to open an account online.
- Bank of America requires an initial deposit at account opening, typically $25 or more depending on which checking account you choose.
- Your account becomes active immediately, but your debit card arrives by mail within 7 to 10 business days.
- If you already have a Bank of America account, opening a second checking account online takes just a few minutes.
What you need before you start
Gather these items before you begin the online application. You'll need a valid government-issued ID — a driver's license, passport, or state ID card. Bank of America will ask you to verify information from this ID during the application.
You also need your Social Security number and proof of your current address. Bank of America accepts a recent utility bill, lease agreement, mortgage statement, or government document showing your name and address. If you don't have a document, you can use a phone bill or bank statement dated within the last 60 days.
Have your initial deposit amount ready. Most checking accounts require a minimum opening deposit of $25, though some accounts may ask for more. You can fund the account using a debit card, another bank account (via ACH transfer), or a wire transfer.
The online application process, step by step
Go to bankofamerica.com and click "Open an Account" or "New Account" (the exact link location changes occasionally, but it's always on the homepage). Select "Checking" as your account type, then choose which checking account you want — Bank of America offers several versions with different features and fee structures.
Enter your personal information: full name, date of birth, Social Security number, email address, and phone number. Bank of America will ask you to create a username and password for online banking. Make sure your password is strong — at least 8 characters with uppercase, lowercase, numbers, and symbols.
Verify your identity by answering security questions based on your credit history, or by uploading a photo of your ID. Bank of America uses this step to confirm you are who you say you are. If you upload an ID photo, make sure the image is clear and shows your full face and the entire ID.
Enter your current address and confirm it matches your ID. If you've moved recently, update your address before applying. Then choose your initial deposit method — debit card, linked bank account, or wire transfer — and complete that transaction. Your account opens once the deposit clears.
What happens after you submit your application
Bank of America sends a confirmation email within minutes. Your checking account is active immediately, and you can log into online banking right away to see your account number and routing number. You can start receiving direct deposits and making transfers the same day.
Your debit card arrives by mail within 7 to 10 business days. Until it arrives, you can use your account number and routing number to receive deposits, or use your Bank of America mobile app to make mobile payments and transfers. If you need cash before the card arrives, you can visit any Bank of America branch and withdraw from your new account.
Bank of America may place a temporary hold on your initial deposit if you funded the account with a debit card or ACH transfer. This hold typically lasts 1 to 3 business days while the bank verifies the transfer. The funds are yours to use once the hold lifts.
Reasons your online application might be denied or delayed
Bank of America may decline your application if you have a history of overdrafts or unpaid fees at another bank, or if there's a problem with your identity verification. The bank uses ChexSystems, a checking account verification system, to review your banking history. If you've had issues with another bank, ChexSystems may flag your application.
Your application can also be delayed if the information you provide doesn't match your ID or credit history. If Bank of America needs more information, they'll email you within 24 hours and ask you to provide additional documents — usually a clearer photo of your ID or proof of address.
If your application is denied, Bank of America will tell you why and whether you can reapply. Some reasons are temporary (like a recent overdraft), while others may require you to wait 30 to 90 days before trying again. You can call Bank of America at 1-800-432-1000 to ask about your specific situation.
Opening a second checking account if you already bank with Bank of America
If you already have a Bank of America account, opening a second checking account online is faster. Log into your existing online banking, go to "Open an Account," and follow the same steps. Bank of America already has your identity information on file, so you won't need to upload your ID again.
You still need to make an initial deposit for the new account, even if you have money in your existing account. The deposit must come from outside Bank of America — a debit card, another bank account, or a wire transfer. Once the new account opens, you can transfer money between your two Bank of America accounts whenever you want.
Alternatives if you can't open an account online
If your online application is denied or you prefer to open an account in person, visit any Bank of America branch. Bring your ID, Social Security number, proof of address, and your initial deposit. A banker can open your account on the spot, and you'll walk out with a temporary debit card you can use immediately.
If you don't have a government ID or Social Security number, you may still be able to open an account with additional documentation. Call Bank of America at 1-800-432-1000 or visit a branch to discuss your options. Some situations require in-person verification that can't happen online.
Frequently Asked Questions
How long does it take to open a Bank of America checking account online?
The application itself takes 10 to 15 minutes. Your account becomes active immediately after you submit it and your initial deposit clears, which usually happens within 1 to 3 business days. Your debit card arrives by mail within 7 to 10 business days.
Can I open a Bank of America checking account without a Social Security number?
Bank of America requires a Social Security number for online applications. If you don't have one, visit a branch in person with your ID and passport or visa. A banker can discuss alternative documentation that may work for your situation.
What's the minimum deposit to open a Bank of America checking account?
Most Bank of America checking accounts require a $25 minimum opening deposit. Some accounts may ask for more. The deposit must come from outside Bank of America — a debit card, another bank account, or a wire transfer.
Can I use a credit card to fund my initial deposit?
No. Bank of America only accepts debit cards, bank accounts (ACH transfers), and wire transfers for opening deposits. Credit cards are not accepted because they're not considered direct transfers of funds.
What if I'm under 18 — can I open an account online?
No. Bank of America requires account holders to be at least 18 years old. If you're under 18, a parent or guardian can open a teen checking account at a branch with you present. Some teen accounts have limited online opening options.