Yes, you can open most checking accounts entirely online
Most banks and credit unions now let you open a checking account from your computer or phone without visiting a branch. You upload a photo of your ID, provide your Social Security number, and answer questions about your income and employment history. The whole process usually takes 10 to 15 minutes. Money can land in your account within one to three business days, though some banks fund accounts the same day.
Not every bank offers online-only opening. Some regional banks and a few credit unions still require you to sign documents in person or mail them back. Before you start, check the bank's website to confirm they have an online option — most do, but it's worth verifying rather than getting halfway through and hitting a dead end.
Key Takeaways
- Most major banks and many credit unions let you open a checking account online using your ID, Social Security number, and basic income information.
- The process takes 10 to 15 minutes, and your account is usually ready to use within one to three business days.
- You will need a valid government-issued ID (driver's license, passport, or state ID) and a Social Security number to complete the application.
- Some banks require additional verification steps like a video call or a small deposit from an existing account to confirm your identity.
- If you do not have an ID or Social Security number, you may need to visit a branch in person or contact the bank about alternative options.
What you need to have ready before you start
Gather these items before you begin: a valid government-issued ID (driver's license, passport, or state ID), your Social Security number, your current address, and information about your job or income. Some banks also ask for a phone number and email address. Have this information in front of you so you do not have to stop and search for it halfway through.
If you are opening an account with a credit union, you may also need to show that you are a member or that you live in their service area. Credit unions have membership rules that banks do not, so check their website first to confirm you meet their requirements.
How the online opening process actually works
The steps are similar across most banks. You start on their website or app, click "Open an Account" or "New Customer," and choose the type of checking account you want. You then enter your personal information — name, address, date of birth, Social Security number — and answer questions about your employment and income. The bank runs a background check through ChexSystems, a banking history database, to see if you have had problems with past accounts.
Next comes identity verification. Most banks ask you to upload a photo of your ID — front and back — using your phone camera or computer. Some use software that reads your ID automatically; others have a person review it. A few banks ask you to take a short video call with someone who confirms your identity in real time. This step usually takes a few minutes to a few hours.
Once the bank confirms your identity, your account opens. You get an account number and routing number right away, even if your debit card has not arrived yet. You can start using the account to receive direct deposits or transfers from other banks immediately.
Banks that make online opening straightforward
Large national banks like Chase, Bank of America, Wells Fargo, and Citibank all offer online checking account opening. Online-only banks like Chime, Ally, and Charles Schwab are built around the online process and have no branches at all — opening takes the same 10 to 15 minutes. Credit unions vary; some like Alliant Credit Union and Pentagon Federal Credit Union have full online opening, while others require a branch visit or mail-in signature.
If you are comparing banks, look at their website for a button that says "Open an Account Online" or "Apply Online." If you cannot find one, call their customer service line and ask whether they offer online opening. Some banks hide the option or only show it to people in certain states.
What happens if the bank cannot verify your identity online
If the bank's software cannot read your ID clearly — because of glare, poor lighting, or a damaged document — you may be asked to upload it again or take a photo from a different angle. If that does not work, the bank will usually offer a video call with a representative who can look at your ID in real time.
If you do not have a government-issued ID, most banks will not open an account online. You will need to visit a branch in person with your ID and Social Security card, or contact the bank to ask about other options. Some banks can work with a passport, military ID, or tribal ID if your state ID is expired or unavailable.
If you have no Social Security number — because you are not a U.S. citizen or permanent resident — you may still be able to open an account using an Individual Taxpayer Identification Number (ITIN). Not all banks accept ITINs, so you will need to call ahead and ask. Some credit unions are more flexible on this than national banks.
How long until you can actually use the account
Your account number and routing number are available immediately after approval, usually within a few hours. You can use these to set up direct deposit or transfer money from another bank right away. Your debit card typically arrives by mail within 5 to 10 business days, though some banks offer a temporary digital card you can use in the meantime.
If you need to deposit cash or checks, you will have to wait for your debit card or visit an ATM that belongs to your bank's network. Some banks let you deposit checks by taking a photo through their app, which can speed things up.
What to do if your online application is rejected
Banks reject online applications for a few reasons: a ChexSystems report showing past account problems, an ID that could not be verified, or a mismatch between the information you provided and what the bank found. If your application is rejected, the bank should tell you why — either on screen or by email within a few days.
If the reason is a ChexSystems issue, you can contact ChexSystems directly to see your report and dispute any errors. If the reason is a failed identity check, try uploading your ID again with better lighting, or ask the bank if you can do a video call instead. If you have had serious banking problems in the past, you may need to visit a branch in person and speak to a manager about your options.
Some banks specialize in second-chance accounts for people with ChexSystems issues. If you are turned down by your first choice, search for "second chance checking accounts" and your state to find banks that work with people in your situation.
Frequently Asked Questions
Do I need an existing bank account to open a checking account online?
No. You can open an account with just your ID and Social Security number. However, some banks ask you to make an initial deposit from another account to verify your identity. If you do not have another account, call the bank and ask if they can waive this requirement or accept a deposit by other means.
Can I open a checking account online if I am under 18?
Most banks require you to be at least 18 to open an account on your own. If you are younger, you will need a parent or guardian to open a joint account with you, usually in person at a branch. Some banks let a parent open the account online and add you as an authorized user.
What if I do not have a U.S. address?
Most banks require a U.S. address to open an account online. If you are living abroad or do not have a permanent address, contact the bank directly to ask about alternatives. Some banks accept a military address or a P.O. box; others do not. You may need to visit a branch in person if you are in the U.S. temporarily.
How long does it take to get approved after I submit my application?
Most banks approve or reject your application within a few hours to one business day. Identity verification is usually the slowest step. If the bank needs to review your ID manually or schedule a video call, approval can take up to three business days. You will receive an email or notification telling you the result.
Can I open multiple checking accounts at the same bank online?
Yes. Once you have one account open, you can usually open additional accounts online without going through the full identity verification process again. Log into your existing account, look for an option to "Add Account" or "Open Another Account," and follow the steps. The new account is typically ready within one business day.