Bring a government-issued photo ID and proof of your current address

Every bank requires a government-issued photo ID — a driver's license, passport, state ID card, or military ID. This is non-negotiable. Banks also need proof that you live where you say you do, usually a utility bill, lease, mortgage statement, or government mail dated within the last 60 days. Some banks accept a phone bill or insurance statement instead.

If you don't have a current address on your ID, bring both the ID and a separate address document. The bank needs to match your identity to your location for federal reporting reasons, not to make your life difficult. If your ID is expired but still shows your photo clearly, most banks will take it alongside your address proof.

Bring originals or clear copies — a photo of your documents on your phone usually works, but ask the bank branch before you go. Some branches scan documents on the spot; others want paper.

Key Takeaways

  • You must bring a government photo ID (driver's license, passport, state ID, or military ID) — this is required by federal law and every bank enforces it.
  • Bring proof of your current address such as a utility bill, lease, mortgage statement, or government mail from the last 60 days.
  • If your ID is expired, bring it anyway along with your address proof — banks care about the photo match, not the expiration date.
  • Bring your Social Security number or ITIN written down, or be ready to recite it; the bank will verify it against federal records.
  • If you have little or no banking history, bring a second form of ID or a reference letter from an employer or landlord — some banks use this to decide whether to open your account.

Your Social Security number or ITIN

Banks must report account activity to the IRS, so they need your Social Security number or Individual Taxpayer Identification Number (ITIN). You don't need to bring a card or document — you can tell the banker the number and they'll verify it against federal records on the spot. If you don't have either, you cannot open a standard checking account at most banks, though some credit unions and online banks have workarounds.

Write your number down before you go if you're worried you'll forget it under pressure. The banker will ask you to confirm it twice.

A second form of ID if you have no banking history

If you've never had a bank account, some banks ask for a second ID to reduce fraud risk. This can be a passport, state ID, military ID, tribal ID, or even a school or work ID with your photo. Not every bank requires this — it depends on their internal policy and how much banking history you show in their system.

Call the branch before you go and ask whether they need a second ID for a first-time account holder. If they do and you don't have one, ask what they accept. A reference letter from an employer or landlord on letterhead sometimes substitutes, though this is less common.

What you don't need to bring

You do not need an initial deposit to open most checking accounts, though some banks require a minimum balance to avoid monthly fees. You don't need to bring a checkbook, debit card, or anything else — the bank will order these and mail them to you after you open the account.

You don't need pay stubs, tax returns, or proof of income unless you're opening a business account or the bank suspects fraud. You don't need to bring your phone, though having it can help if the bank needs to send you a verification code by text.

What happens if you can't find your documents

If your ID is lost or stolen, go to your state's DMV or equivalent office and get a replacement before you visit the bank. This usually takes a few days to a few weeks depending on your state. If you're homeless or don't have a current address, bring mail from a shelter, social services office, or trusted person's address where you receive mail, and explain your situation to the banker — many banks have policies to open accounts for people without stable housing.

If you don't have a government ID at all, start with your state DMV. You'll need to bring your birth certificate, Social Security card or number, and proof of address to get a state ID card. This is separate from a driver's license and costs less. Once you have the state ID, you can open a bank account.

Bring documents in person or upload them online

Most banks let you open an account in a branch with physical documents, or online by uploading photos or scans. Online is faster — you can finish in 10 to 15 minutes from home. In-branch takes about 20 to 30 minutes because the banker verifies your ID in person and answers questions.

If you open online, you'll photograph your ID and address proof with your phone and upload them through the bank's website or app. The bank's system reads the documents automatically and flags anything unclear. If the upload fails, you can try again or call the bank to finish by phone.

Some banks require you to come in person for your first account, especially if you have no banking history. Check the bank's website or call ahead to know which route is available to you.

Frequently Asked Questions

Can I use a passport instead of a driver's license?

Yes. A passport is a government-issued photo ID and every bank accepts it. You still need proof of your current address — a utility bill, lease, or government mail — because your passport may not show where you live now.

What if my address on my ID doesn't match where I live now?

Bring both your ID and a separate document showing your current address, such as a utility bill or lease dated within the last 60 days. The bank will use the address document to update your file. You don't need to update your ID first.

Do I need to bring a checkbook or debit card?

No. The bank will order checks and a debit card and mail them to you after your account opens. You can use your account online or by phone before the physical cards arrive, usually within 5 to 10 business days.

What if I don't have a Social Security number?

You need either a Social Security number or an ITIN to open a standard checking account. If you have neither, ask the bank whether they offer accounts for people without a Social Security number — some credit unions and online banks do, though they may have higher fees or limits.

Can someone else open an account for me?

No. You must be present in person or online to open an account in your name. The bank needs to verify your identity directly. If you need help, bring someone with you to the branch, but you will sign the paperwork yourself.