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. The process usually takes 10 to 20 minutes. 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 require $0, others ask for $25 or more).
Not every bank offers full online account opening. Some still require you to sign documents in person or verify your identity at a branch. Before you start, check the bank's website to confirm they have an online option. If they do, the steps are straightforward: fill out an application, verify your identity (usually through your ID and a photo or video), link a funding source, and wait for approval.
The speed of approval varies. Many banks approve you instantly and send your account number the same day. Others take one to three business days. You can usually start using your account (transfers, bill pay, mobile deposits) before your debit card arrives in the mail, which typically takes 7 to 10 business days.
Key Takeaways
- Online account opening is available at most major banks and credit unions, but you should confirm on their website before starting.
- You will need a valid government ID, Social Security number, proof of address, and sometimes an initial deposit to complete the process.
- Identity verification usually happens through your ID photo and sometimes a video call or photo of you holding your ID.
- Most accounts are approved within minutes to three business days, and you can use the account before your physical debit card arrives.
- Some banks have restrictions on who can open accounts online — age, residency, or credit history — so read the requirements before you apply.
What documents and information you need to have ready
Gather these items before you start the online application. You'll need a government-issued photo ID — a driver's license, passport, or state ID card. The name on your ID must match the name you use for the account. If you've recently changed your name, bring documentation of the change (marriage certificate, court order) to the bank later if they ask.
You'll also need your Social Security number (or an Individual Taxpayer Identification Number if you don't have an SSN). Banks use this to run a background check and report your account to the IRS. Have your current address ready — a utility bill, lease, or recent bank statement works as proof. Some banks accept a government document with your address instead.
Finally, decide on your initial deposit. Check the bank's minimum before you start. If they require one, you'll link a bank account, debit card, or transfer service (like PayPal or Venmo) to fund it. If the minimum is $0, you can skip this step and deposit money later.
How identity verification works online
Banks verify who you are through one of three methods. The most common is ID photo verification: you photograph your driver's license or passport using your phone or computer, and the bank's software reads it automatically. This usually takes seconds. Some banks ask you to photograph yourself holding your ID next to your face to confirm it's really you.
A second method is a video call with a bank representative. You'll show your ID to the camera, answer a few questions, and they'll confirm your identity in real time. This typically takes 5 to 10 minutes and is more common at credit unions and smaller banks.
The third method is knowledge-based verification: the bank asks you questions only you would know the answers to — details from your credit report, past addresses, or previous accounts. This is less common for new accounts but may happen if your ID photo doesn't scan clearly or if the bank needs extra confirmation.
If verification fails, the bank will tell you why and may ask you to visit a branch in person or resubmit your documents. This happens most often when your ID photo is blurry, your lighting is poor, or your name doesn't match records exactly.
Timeline from application to using your account
The speed depends on the bank and the time of day you apply. If you apply during business hours on a weekday, many banks approve you within 15 minutes to 2 hours. If you apply in the evening or on a weekend, approval may wait until the next business day. Some banks process applications 24/7 and approve you instantly regardless of the time.
Once approved, you'll receive your account number and routing number by email or in the app. You can use these immediately to set up direct deposit, transfer money from another account, or receive wire transfers. You can also start using mobile deposit (photographing checks through the app) right away at most banks.
Your physical debit card takes longer. Most banks mail it within 7 to 10 business days. Some offer expedited shipping for a fee (usually $10 to $25). A few banks let you use a temporary digital card in Apple Pay or Google Pay while you wait for the physical card to arrive.
| Step | Timing |
|---|---|
| Complete application and verify identity | 10 to 20 minutes |
| Bank reviews and approves | Minutes to 3 business days (varies by bank) |
| Receive account number and start using account | Same day or next business day |
| Physical debit card arrives | 7 to 10 business days |
Banks and credit unions that offer full online account opening
Most large national banks allow online account opening, including Chase, Bank of America, Wells Fargo, Citibank, and US Bank. Online-only banks like Ally, Charles Schwab, and Chime also open accounts entirely online and often have no minimum deposit requirement.
Credit unions vary. Some allow online opening; others require you to visit a branch or have a sponsor who is already a member. If you want to join a credit union, call ahead or check their website to confirm they offer online account opening. If they don't, you may be able to open an account at a branch and then manage it online afterward.
Regional banks and smaller institutions are less likely to offer full online opening, though this is changing. If your bank doesn't list an online option on their website, contact them directly to ask whether they can open an account for you remotely or whether you need to visit in person.
Restrictions and situations where you cannot open online
Some banks won't open accounts online for people under 18. If you're a minor, you may need a parent or guardian to open a joint account with you in person, or you may have to wait until you turn 18. A few banks have no age restriction and allow minors to open accounts online with parental consent.
Banks also check your history with ChexSystems, a database that tracks closed accounts and fraud. If you've had accounts closed for cause or owe money to a bank, you may be denied online. Some banks will still open an account for you if you visit a branch and speak to a manager, but others won't. If you're denied, ask the bank why and whether you have options.
Non-U.S. residents and people without a Social Security number face more barriers. Some banks require a U.S. address and SSN. Others accept an ITIN (Individual Taxpayer Identification Number) or a foreign passport. If you fall into this category, contact banks directly to find one that will work with you — online-only banks are often more flexible than traditional banks.
If you're unable to open an account online, your next step is to visit a branch with your ID and proof of address. Many banks can open an account for you in person in 15 to 30 minutes, and you can manage it online afterward.
What happens if your online application is denied
If the bank denies your application, they must tell you why. Common reasons include a ChexSystems flag, an address that doesn't match their records, or identity verification that failed. Ask the bank for the specific reason and whether you can fix it.
If the issue is with ChexSystems, you can request your report for free at www.chexsystems.com and dispute any errors. If the issue is an address mismatch, update your address with the bank and reapply. If identity verification failed, make sure your ID is current and clearly readable, and try again.
If you're denied by one bank, try another. Different banks use different verification methods and have different policies. An online-only bank or credit union may have fewer restrictions than a large national bank. You can also visit a branch in person — a manager may be able to override an online denial if you show up with your ID and proof of address.
Frequently Asked Questions
Do I need to make a deposit to open an account online?
It depends on the bank. Many banks, especially online-only ones, have no minimum deposit. Others require $25 to $100. Check the bank's website before you start the application. If there is a minimum, you'll link a debit card or another bank account to fund it during the application process.
Can I open an account if I don't have a Social Security number?
Some banks accept an ITIN (Individual Taxpayer Identification Number) instead. Online-only banks and some credit unions are more likely to accept an ITIN than large national banks. Call the bank directly to ask whether they can open an account for you without an SSN.
How long does it take to receive my debit card?
Most banks mail debit cards within 7 to 10 business days. Some offer expedited shipping for a fee. In the meantime, you can use your account number for transfers and bill pay, and many banks let you add a temporary digital card to your phone for in-store purchases.
What if I'm under 18?
Some banks allow minors to open accounts online with parental consent. Others require a parent or guardian to open a joint account in person. Check the bank's website or call to ask about their policy for minors before you start the application.
Can I open an account if I've been denied by another bank?
Yes. Different banks have different policies and use different verification methods. If one bank denies you, try another — especially online-only banks or credit unions, which often have fewer restrictions. You can also visit a branch in person and speak to a manager, who may be able to help.