Yes, you can open most bank accounts entirely online

Most banks and credit unions now let you open a checking or savings 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 ITIN, proof of your current address, and an initial deposit (which can be as small as $1 at some banks, or $0 at others).

Not every bank offers online account opening, and some have restrictions based on where you live or your banking history. A few banks still require you to visit a branch or mail in documents. Before you start, check the bank's website to confirm they offer online opening and that you meet their basic requirements.

Key Takeaways

  • Most major banks and credit unions let you open a checking or savings account online in 10 to 20 minutes using your ID, Social Security number, and proof of address.
  • You will need to verify your identity during the process, usually by uploading a photo of your ID or answering security questions based on your credit history.
  • Some banks require an initial deposit to open an account, while others let you open with $0 and deposit money later.
  • If you have been denied a bank account before or have unpaid fees at another bank, some institutions may still accept you, but you should check their specific policies first.

What documents and information you need to have ready

Gather these items before you start the online application. You'll need a valid government-issued photo 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 (SSN) or Individual Taxpayer Identification Number (ITIN) if you don't have an SSN. The bank uses this to check your identity and pull your banking history. Have proof of your current address available—a recent utility bill, lease, mortgage statement, or government mail dated within the last 60 days usually works. Some banks accept a bank statement or credit card statement instead.

Finally, decide how much you want to deposit to open the account. Many banks require a minimum opening deposit, but the amount varies widely—some ask for $25, others $100 or more, and some have no minimum at all. Check the bank's website before you apply so you know what to expect.

How identity verification works during online signup

Banks verify your identity in different ways depending on the institution. The most common method is uploading a photo of both sides of your ID directly through their website or app. You take a picture with your phone or camera and submit it. The bank's system reads the information and compares it to what you typed into the application.

Some banks use a video call instead. A bank employee or automated system watches you hold up your ID and take a selfie to confirm you match the photo. This usually takes a few minutes and happens right during your application.

A third method is knowledge-based verification, where the bank asks you questions only you should know the answers to—details from your credit history, past addresses, or previous accounts. You answer multiple-choice questions, and if you get them right, the bank confirms your identity.

If the bank cannot verify you online, they will tell you during the application. At that point, you may be able to visit a branch in person, mail in copies of your documents, or try a different bank.

Banks that accept online applications from most states

Large national banks like Chase, Bank of America, Wells Fargo, and Citibank all offer online account opening in most states. Online-only banks like Ally, Charles Schwab, and Chime also accept online applications nationwide and often have no minimum deposit requirements.

Credit unions vary by location. Some credit unions let you open an account online if you live in their service area, while others require you to visit a branch or mail in an application. If you want to join a specific credit union, check their website or call to ask whether they offer online opening.

Regional banks may or may not offer online opening. A bank available in your state might not let you open an account online, even if a bank in another state does. Always check the bank's website before you start the application—it will tell you clearly whether online opening is available in your location.

What happens if you have been denied a bank account before

If another bank has closed your account or denied you, you may still be able to open an account elsewhere. Banks check a system called ChexSystems, which records closed accounts and unpaid fees. If you appear in ChexSystems, some banks will reject you automatically. Others will review your case and may still open an account for you.

Banks that specialize in second-chance banking—like Chime, LendingClub, or some credit unions—often accept people with ChexSystems records. These accounts may have lower limits on deposits or transfers, or they may charge monthly fees, but they let you rebuild your banking relationship.

Before you apply online, you can request your own ChexSystems report for free at www.chexsystems.com. This shows you what banks will see about you. If there are errors on your report, you can dispute them. If the information is correct but old, some banks will overlook it if enough time has passed.

Timeline from application to using your account

Once you submit your online application, the bank usually tells you within minutes or hours whether you are approved. If they need more information or documents, they will email or call you. Most approvals happen the same day you apply.

After approval, your account is open immediately, but you cannot use it right away. If you deposited money during signup, the bank transfers it to your new account, but it may take one to three business days to show up. If you need to deposit money after opening, you can do so by transferring from another account, depositing a check through the bank's mobile app, or visiting an ATM.

Your debit card arrives by mail in 7 to 10 business days. Until it arrives, you can use your account number and routing number to set up direct deposit or pay bills online. Some banks let you use a temporary digital card in their app right away so you can make purchases before the physical card arrives.

When you may need to visit a branch or mail documents instead

Some situations prevent online opening. If you are under 18, most banks require a parent or guardian to open the account with you in person or co-sign online. If you do not have a valid government ID, you will need to visit a branch with alternative documents like a passport card or tribal ID.

If the bank cannot verify your identity online—because your ID photo is unclear, your address cannot be confirmed, or you do not pass knowledge-based verification—they will ask you to mail in copies of your documents or visit a branch. This adds one to two weeks to the process.

Some smaller banks and credit unions simply do not offer online opening at all. Their website will say so clearly. In that case, you can call to ask about mailing in an application or visit a branch during business hours.

Frequently Asked Questions

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

Yes. If you have an ITIN (Individual Taxpayer Identification Number), you can use that instead. Some banks accept ITINs online; others require you to visit a branch or mail in documents. Call the bank before you apply to confirm they accept ITINs and what documents you need to provide.

What if my address cannot be verified during the online application?

The bank will ask you to mail in a copy of a utility bill, lease, or government mail showing your current address. This adds one to two weeks to the process. Some banks let you upload a photo of the document instead of mailing it, which is faster.

Do I have to make a deposit when I open the account online?

It depends on the bank. Some require a minimum opening deposit of $25 to $100. Others let you open with $0 and deposit money whenever you want. Check the bank's website or call before you apply so you know what to expect.

Can I use my account before my debit card arrives?

Yes. You can use your account number and routing number to set up direct deposit, pay bills online, or transfer money from another account. Many banks also offer a temporary digital card in their app that you can use to make purchases right away.

What if the bank says I cannot open an account online?

Ask whether you can mail in an application or visit a branch instead. If that bank will not work, try another bank or credit union. Many institutions offer online opening, so you have options even if one bank says no.