Yes, you can open most bank accounts entirely online

Most banks and credit unions let you open a checking or savings account from your computer or phone without visiting a branch. The process typically takes 10 to 20 minutes. You will need a valid government ID, a Social Security number or ITIN, proof of your current address, and an initial deposit (which varies by bank—some have no minimum, others require $25 or more).

Not every bank offers the same online process. Some require you to start online but finish in person or by video call. A few still require a branch visit. Before you begin, check the specific bank's website to see which steps they require.

Key Takeaways

  • Most banks let you open a checking or savings account online using your ID, Social Security number, proof of address, and an initial deposit.
  • The process usually takes 10 to 20 minutes, but account activation can take one to three business days.
  • Some banks require a video call or in-person visit to verify your identity, even if you start the application online.
  • You will need a valid government ID—a driver's license, passport, or state ID card—to complete any online account opening.

What documents and information you need before you start

Have these items ready before you begin an online application. A valid government-issued ID is required—a driver's license, passport, state ID card, or military ID. The bank will scan or photograph it as part of identity verification.

You will also need your Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN). The bank uses this to check your banking history and report interest income to the IRS. Proof of your current address is required next—a utility bill, lease, mortgage statement, or government mail dated within the last 60 to 90 days usually works. Some banks accept a phone bill or insurance statement instead.

Finally, have a funding source ready. Most banks let you link an existing bank account to transfer your initial deposit, or you can use a debit card. Some accept wire transfers or checks, though those take longer to clear.

How the online application actually works

The application begins on the bank's website or mobile app. You will enter your name, date of birth, address, phone number, and email. The bank then asks for your Social Security number and runs a background check—this is standard and does not affect your credit score.

Next comes identity verification. Many banks use automated systems that read your ID document—you photograph the front and back with your phone or webcam. Some banks ask follow-up questions based on your credit history (like "Which of these addresses did you live at in 2019?"). A few require a live video call with a bank representative who watches you hold up your ID.

Once identity verification passes, you choose your account type (checking, savings, or both), set up a PIN or online password, and fund the account. The bank then sends you a confirmation email. Your account number and routing number usually appear in the app or online portal within a few hours, though the debit card arrives by mail in 5 to 10 business days.

When banks require a video call or branch visit

Some banks cannot complete identity verification through documents alone and will ask you to do a video call. During the call, a representative watches you hold up your ID, asks you to confirm your address and date of birth, and may ask a few security questions. This call usually takes 5 to 10 minutes and happens the same day or within 24 hours of your application.

A smaller number of banks still require you to visit a branch in person, even if you started online. This is less common at large national banks but more common at smaller regional banks and some credit unions. If the bank requires a branch visit, the application will tell you this upfront—do not waste time on the online form if you cannot reach a branch.

How long it takes from application to using your account

The online application itself takes 10 to 20 minutes. Identity verification happens immediately for most banks using automated document scanning, or within 24 hours if a video call is required.

Account activation—when your account is officially open and you can use it—typically takes one to three business days. During this time, the bank is running final checks and setting up your account in their system. You can usually see your account number and routing number in your online portal before the account is fully active, which lets you set up direct deposit or bill pay right away.

Your debit card arrives separately by mail, usually within 5 to 10 business days. Some banks offer a temporary digital card in the app that you can use immediately for online purchases and contactless payments while you wait for the physical card.

What can go wrong and how to fix it

Identity verification sometimes fails if your ID photo is blurry, the lighting is poor, or the bank's system cannot read it clearly. If this happens, the bank will ask you to resubmit the photo or schedule a video call instead. This adds a day or two but is not a rejection.

A failed background check is rarer but more serious. Banks use ChexSystems, a banking history database, to check for unpaid overdrafts, fraud, or other red flags at previous banks. If ChexSystems shows a problem, the bank will either deny the account or ask you to resolve the issue first (like paying off an old overdraft). You can request your ChexSystems report for free at chexsystems.com to see what the bank sees.

Address verification sometimes fails if your proof of address does not match the address you entered in the application. Make sure your utility bill or lease shows the exact address you provided—apartment numbers, street abbreviations, and ZIP codes must match exactly.

Alternatives if you cannot open an account online

If a bank denies your application or requires a branch visit you cannot make, other options exist. Credit unions often have more flexible online processes and may not use ChexSystems. Second-chance banking programs, offered by some banks and credit unions, are designed for people with banking history problems and may have simpler online applications.

Prepaid debit cards and money transfer services like MoneyGram or Western Union let you move money without a bank account, though they charge fees for each transaction. These are not long-term solutions but can help if you need access to money while you work on opening a traditional account.

Frequently Asked Questions

Do I need a minimum deposit to open an account online?

It depends on the bank. Many banks have no minimum deposit requirement, so you can open an account with $1 or $5. Others require $25, $100, or more. Check the bank's website before you apply—the minimum is always listed on the account details page.

Can I open an account if I do not have a Social Security number?

Yes, if you have an ITIN (Individual Taxpayer Identification Number). Some banks accept ITINs in place of SSNs. Call the bank's customer service line before you apply to confirm they accept ITINs, because not all banks do.

What if my ID is expired?

Most banks will not accept an expired ID for online account opening. You will need a current, valid government ID. If your ID is expired, renew it at your state's DMV or passport office before applying for the account.

How long does the debit card take to arrive?

Standard mail delivery is 5 to 10 business days. Some banks offer expedited shipping for a fee, which takes 2 to 3 business days. Many banks also provide a temporary digital card in the app that works immediately for online purchases and contactless payments.

What if the bank asks me questions about my credit history during the application?

These are security questions based on public records and your credit file. Answer as accurately as you can. If you are unsure of an answer, select "None of the above"—getting one or two wrong usually does not fail the verification, but too many wrong answers may trigger a video call or denial.