Yes, you can open an Arvest checking account online, but the process stops short of full completion

Arvest Bank allows you to start a checking account application on their website, but you cannot finish it entirely online. You will fill out your personal information, choose your account type, and review terms on their site. At the end, you must either visit a branch in person, call their phone line, or use video chat to verify your identity and complete the account setup. This final step is required by federal banking law — banks must confirm who you are before opening an account.

The online portion takes about 10 to 15 minutes. The verification step, depending on which method you choose, adds anywhere from a few minutes (video chat or phone) to however long it takes you to reach a branch. Once verified, your account is typically active the same day or within one business day.

Key Takeaways

  • Arvest's online application covers personal details and account selection, but identity verification must happen by phone, video chat, or in-branch visit.
  • You will need a valid government ID, Social Security number, and initial deposit amount (which varies by account type) to complete the process.
  • Video chat verification is usually the fastest remote option and can be scheduled during extended hours, including evenings and weekends at some locations.
  • Your account becomes active on the same day or next business day after verification is complete.

What you need before you start the online application

Gather these items before opening your browser: a valid government-issued photo ID (driver's license, passport, or state ID), your Social Security number, and information about your initial deposit. Arvest requires a minimum opening deposit that varies by account type — checking accounts typically start at $100 to $500, though this can change. Check the current requirement on their website before you begin.

You will also need an email address and phone number to complete the application. Arvest uses these to send confirmation details and to contact you during the verification step. Have your phone nearby when you finish the online portion, because you may be asked to verify immediately rather than scheduling it later.

The three ways to verify your identity after applying online

Video chat verification is available through Arvest's website or mobile app. You schedule a time slot, and a bank representative calls you via video. You show your ID to the camera, answer security questions, and the representative confirms your information. This usually takes 5 to 10 minutes. Arvest offers video chat appointments during business hours and some evenings, depending on your location.

Phone verification is the simplest option if you prefer not to be on camera. Call the number Arvest provides after you submit your online application. A representative will ask you to confirm your identity, verify the information you entered, and discuss your account details. This takes about 10 minutes and can happen immediately or you can schedule a callback.

In-branch verification means visiting an Arvest location with your ID and initial deposit. Bring the confirmation email from your online application. A teller will complete the verification, process your deposit, and hand you your debit card on the spot. This is the fastest way to have a fully functional account with a card in your hands, though it requires a trip to the bank.

What happens after you verify your identity

Once the bank confirms who you are, your account is open and ready to use. If you verified by phone or video chat, Arvest will mail your debit card to the address you provided in the application — this takes 7 to 10 business days. You can use your account for transfers and bill pay immediately through online banking or the mobile app, even before the card arrives.

If you verified in person at a branch, you receive your debit card right away. Your account number and routing number are available in your online banking portal as soon as verification is complete, so you can set up direct deposit or transfers without waiting for the card.

Common reasons the online application gets held up

Arvest may pause your application if the information you entered does not match their records or if your ID is unclear. If this happens, they will contact you by phone or email with instructions. Usually you will need to call the bank, provide additional details, or submit a clearer photo of your ID. This can add a few days to the process.

Mismatched addresses are the most common hold-up — if your ID shows a different address than the one you entered in the application, the bank will ask you to clarify which is current. Having a recent utility bill or lease handy can speed this up. If you recently moved, update your address with the DMV before applying, or be ready to explain the discrepancy during verification.

Checking account types Arvest offers online

Arvest offers several checking account options through their online application. A basic checking account is the standard choice for most people and typically has no monthly fee if you maintain a minimum balance or set up direct deposit. Premium checking accounts offer higher interest rates and additional perks but require a larger opening deposit and minimum balance.

Student checking accounts are available if you are currently enrolled in school and have a valid student ID. These usually have lower or no minimum balance requirements and reduced or waived fees. Ask during the online application or during verification which account type fits your situation best — you can switch later if needed.

Frequently Asked Questions

Do I need to be an existing Arvest customer to open an account online?

No. The online application is open to anyone who meets Arvest's requirements: you must be at least 18 years old, have a valid government ID, and provide a Social Security number. You do not need to have any prior relationship with the bank.

Can I deposit money into my new account before my debit card arrives?

Yes. Once your account is open and verified, you can transfer money from another bank account, set up direct deposit, or deposit checks through mobile check deposit if Arvest offers it. You do not have to wait for your physical debit card to start using the account.

What if I fail the identity verification?

Arvest will contact you to explain why verification did not go through. Common reasons include unclear ID photos, mismatched information, or address discrepancies. You will be given a chance to resubmit information or call to resolve the issue. The process usually takes a few extra days but rarely results in a permanent rejection.

Can I open a joint account online with someone else?

Arvest's online application is designed for individual accounts. If you want to open a joint checking account, you will likely need to visit a branch or call to add the second person. Both account holders must verify their identity before the joint account is finalized.

How long does the entire process take from start to finish?

The online application itself takes 10 to 15 minutes. Identity verification by phone or video chat adds another 5 to 15 minutes. Your account is active the same day or next business day. If you choose in-branch verification, the entire process can be done in one visit. Receiving your debit card by mail takes an additional 7 to 10 business days.