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 stepping into a branch. You'll need a valid government ID, a Social Security number or tax ID, proof of your current address, and an initial deposit (which varies by bank—some have none, others require $25 to $500). The whole process usually takes 10 to 20 minutes, and your account can be active the same day or within one business day.
The speed and ease depend on which bank you choose. Large national banks like Chase, Bank of America, and Wells Fargo all offer online account opening. Smaller regional banks and credit unions vary—some have full online processes, others require a video call or phone verification. Online-only banks like Ally, Charles Schwab, and Chime are built entirely around remote opening and have no branches at all.
Key Takeaways
- You can open a checking account online with most banks in 10 to 20 minutes using your ID, Social Security number, and proof of address.
- Your account may be active the same day or within one business day, depending on the bank and the time you apply.
- Some banks require an initial deposit to open; others do not, so compare before you choose.
- If the bank cannot verify your identity online, they may ask you to verify by phone, video call, or by mailing a document.
- Online-only banks have no branches but often have lower fees and higher savings rates than traditional banks.
What you need to have ready 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. The name on your ID must match the name you use to open the account. You'll also need your Social Security number (or Individual Taxpayer Identification Number if you don't have an SSN), your date of birth, and your current address.
Most banks will ask you to upload a photo of your ID or let you take a photo through their app. Some will ask for a utility bill, lease, or recent bank statement to confirm your address. Have your phone nearby—the bank may text or call you during the process to verify information. If you're opening an account with an initial deposit requirement, know how much you plan to deposit and which payment method you'll use (debit card, bank transfer, or wire transfer).
The step-by-step process at a typical bank
Start by going to the bank's website or downloading their mobile app. Look for a button that says "Open an Account" or "New Customer." You'll enter your basic information: name, date of birth, address, phone number, and email. The bank will ask for your Social Security number and run a soft credit check (this does not affect your credit score).
Next, you'll upload or photograph your ID. Most banks use automated technology to read your ID and pull the information directly—this speeds up the process. You may also need to upload proof of your address. Then you'll choose your account type (checking, savings, or both), set a PIN or password, and agree to the bank's terms and conditions.
If the bank needs to verify your identity further, they may ask you to answer security questions based on your credit history, take a video call with a representative, or confirm a small deposit the bank sends to another account you own. Once everything is verified, your account opens and you can usually start using it the same day or the next business day. The bank will send you a debit card by mail, which typically arrives within 5 to 10 business days.
How long it actually takes from start to finish
The online application itself takes 10 to 20 minutes. Your account status after that depends on the bank and how quickly they verify your identity. If everything goes smoothly—your ID scans clearly, your address matches their records, and you pass the soft credit check—your account can be active within hours or by the next business day.
If the bank needs extra verification, the timeline stretches. A phone call or video verification can add a few hours or a day. If they mail you a document to sign and return, add 5 to 10 business days. Once your account is open, your debit card arrives separately by mail in 5 to 10 business days, though many banks now offer temporary digital card numbers you can use immediately for online purchases.
When the bank might ask you to verify by phone or video
Some banks automatically verify your identity online using your ID and Social Security number. Others, especially credit unions and smaller regional banks, require a phone call or video chat as part of their process. This usually happens within a few hours of your application and takes 5 to 10 minutes.
You might also be asked to verify by phone if your ID doesn't scan clearly, if your address doesn't match their records, or if the soft credit check raises a question. A representative will call or text you at the number you provided. Have your ID and proof of address nearby. If you miss the call, the bank will usually try again or send you an email with instructions to schedule a callback.
Differences between online-only banks and traditional banks
Online-only banks like Ally, Charles Schwab, Chime, and Discover have no physical branches. They open accounts faster (often in minutes), charge lower fees, and sometimes offer higher interest rates on savings. The trade-off is that you can't deposit cash or speak to someone in person. You deposit money by transferring it from another bank account, mailing a check, or using mobile check deposit if the bank offers it.
Traditional banks with branches (Chase, Bank of America, Wells Fargo, your local credit union) let you visit in person, deposit cash, and speak to a representative face-to-face. Their online account opening is usually just as fast as online-only banks, but they may charge higher monthly fees and offer lower savings rates. Some traditional banks also let you open an account online and then visit a branch to deposit your initial deposit in cash.
What to do if the bank can't verify you online
If the bank's automated system can't verify your identity, they'll contact you with next steps. Common reasons include a blurry ID photo, an address that doesn't match their records, or a name mismatch. The bank will usually ask you to resubmit your ID photo, provide an updated address, or call a verification line.
In rare cases, the bank may ask you to mail in a signed copy of your ID and proof of address. This adds 5 to 10 business days to the process. If you're having trouble, call the bank's customer service line—they can often resolve the issue faster than waiting for an automated response. Some banks also let you complete the account opening in a branch if the online process stalls.
Frequently Asked Questions
Do I need an existing bank account to open a checking account online?
No. You can open an account without one. However, if the bank requires an initial deposit and you don't have another account to transfer from, you'll need to mail a check or arrange a wire transfer. Some banks also let you deposit cash at a branch or partner location even if you opened online.
Can I open a checking account online if I don't have a Social Security number?
Yes, if you have an Individual Taxpayer Identification Number (ITIN). Most banks accept ITINs in place of a Social Security number. Call the bank before you apply to confirm, since some smaller institutions may have different requirements.
What if I'm under 18—can I open a checking account online?
Most banks require you to be at least 18 to open an account alone. If you're under 18, a parent or guardian usually needs to be a joint account holder. Some banks let you open a teen account online with a parent's verification; others require a branch visit. Check with your bank first.
Will opening an account online hurt my credit score?
No. Banks run a soft credit check, which does not affect your credit score. A soft check is only visible to you and does not show up on your credit report to lenders.
Can I use a temporary address if I'm moving soon?
You can use your current address to open the account. Once you move, you can update your address online or by calling the bank. Most banks let you change your address anytime without closing and reopening the account.