Yes, you can open most bank accounts online, but not all banks offer it and some require a visit or a video call

Most large banks and many online-only banks let you open a checking or savings account entirely through their website or app. You upload an ID, provide your Social Security number, and fund the account—sometimes without ever speaking to a person. But some banks, especially smaller regional ones and credit unions, still require you to visit a branch in person or complete a video verification call before the account is active. The fastest online accounts open in minutes; others take a few business days while the bank verifies your identity.

The catch is that banks use different verification methods, and some will reject you if you don't match their system's records exactly or if you have a history with ChexSystems (a banking database that tracks closed accounts and fraud). Knowing which banks accept online applications and what they actually need from you saves time and prevents rejection.

Key Takeaways

  • Large national banks like Chase, Bank of America, and Wells Fargo allow online account opening, but smaller banks and credit unions often require a branch visit or video call.
  • You will need a valid government-issued ID, your Social Security number, and proof of address to open an account online at most banks.
  • Some banks use instant verification and activate your account in minutes; others take two to five business days while they confirm your identity.
  • If you have been flagged in ChexSystems or have unpaid bank fees from another institution, some banks will deny your application even if you apply online.
  • Online-only banks like Ally, Charles Schwab, and Discover typically have the fastest online opening process and the lowest minimum deposits.

Which banks let you open an account entirely online

Large national banks with online platforms—Chase, Bank of America, Wells Fargo, Citibank, and US Bank—all offer online account opening for checking and savings accounts. You can usually complete the process on their website or mobile app in 10 to 20 minutes. These banks use automated identity verification, meaning they cross-check your information against databases like Equifax or LexisNexis to confirm you are who you say you are.

Online-only banks like Ally, Charles Schwab, Discover, and Marcus by Goldman Sachs operate entirely through apps and websites and have no physical branches. They typically open accounts faster than brick-and-mortar banks because they have streamlined the process and do not need to coordinate with branch staff. Credit unions vary widely: some allow online opening, but many require you to visit a branch or complete a video call with a member services representative before your account is funded.

Regional banks—like PNC, Fifth Third, or SunTrust—usually allow online opening, but you should check their website first because policies differ. If a bank does not clearly state that online opening is available, call their customer service line or visit a branch to ask.

What documents and information you need to provide

Every bank that opens accounts online requires the same core information: your full legal name, date of birth, Social Security number, and current address. You will also need to upload or photograph a valid government-issued ID—a driver's license, passport, or state ID card. The bank scans this ID to verify it is real and matches the name and date of birth you provided.

Some banks also ask for proof of address, such as a recent utility bill, lease agreement, or bank statement showing your name and current address. If your ID has an old address on it, the bank may require this proof to confirm where you actually live. A few banks ask for your phone number and may send a verification code via text or call to confirm you control that number.

Have this information ready before you start the application: your Social Security number written down, your ID in hand, and a photo of it if the bank asks you to upload it. If you do not have a Social Security number, some banks offer accounts for non-citizens with an ITIN (Individual Taxpayer Identification Number), but you will need to call the bank or visit a branch to set this up—online opening usually requires an SSN.

How long it takes from application to using your account

Online-only banks and some large national banks activate accounts instantly or within a few minutes. You can receive a debit card number immediately and use it for online purchases or transfers right away. The physical debit card arrives by mail in 7 to 10 business days.

Other banks take 24 to 48 hours to verify your identity and activate your account. During this time, your application is under review and you cannot use the account yet. Once it is approved, you can log in, set up transfers, and use mobile check deposit. A few banks take up to five business days, especially if they need to manually review your application or if you triggered additional verification steps.

The timeline also depends on when you apply. If you submit your application on a Friday evening, the bank may not process it until Monday. If you apply on a holiday or weekend, expect an extra day or two. To speed things up, apply on a weekday morning and have all your documents ready before you start.

Why a bank might reject your online application

Banks use ChexSystems, a database that tracks banking history and fraud. If you have unpaid overdraft fees, closed an account with a negative balance, or have been flagged for fraud at another bank, ChexSystems will have a record. When you apply online, the bank checks this database automatically. If you appear in it, the bank may deny your application or require you to visit a branch and speak to a manager.

Your application can also be rejected if your identity does not verify. This happens when your name, date of birth, or address does not match what the bank's verification system finds in public records or credit databases. Misspellings, maiden names, or recent address changes can cause this. If this happens, the bank will usually send you an email or letter explaining the rejection. You can then call the bank, correct the information, and reapply.

A few banks reject applications from people with no credit history or no Social Security number. Some also have minimum deposit requirements—usually $25 to $100—and will not open an account if you cannot fund it immediately. Check the bank's website for these requirements before you apply.

What happens after your account opens

Once your account is approved and active, you can log in to the bank's website or app and set up transfers, pay bills, or deposit checks using mobile check deposit (if the bank offers it). You can also link the account to other banks for transfers. Your debit card will arrive in the mail within 7 to 14 business days; some banks send a temporary card number you can use online immediately.

If you need to deposit cash or withdraw it, you will have to visit an ATM or a branch. Online-only banks have no branches, so you will need to use ATMs in their network or pay a fee to use out-of-network ATMs. Large national banks have thousands of branches and ATMs, so cash access is usually not a problem.

If the bank requires additional verification after you open the account—for example, if they need to confirm your address or employment—they will contact you by email or phone. Respond promptly to these requests, or the bank may freeze your account until you do.

Alternatives if you cannot open an account online

If your online application is rejected or you do not have the documents required, you have other options. Visit a branch in person and speak to a banker. They can often open an account on the spot, even if the online system rejected you. Bring your ID, Social Security number, and proof of address. Some banks waive verification requirements for in-person applications or can manually override a ChexSystems flag if you explain your situation.

If you do not have a government-issued ID, some banks will accept other forms of identification, such as a passport, tribal ID, or consular ID. Call the bank first to ask what they accept. If you have no ID at all, you will need to visit a branch and may need to bring additional documents like a birth certificate or utility bill.

Credit unions sometimes have lower barriers to entry than banks. If you are rejected by a bank, look for a credit union in your area or one you are may be able to access to join through your employer, school, or community. Credit unions often open accounts for people with ChexSystems records or no credit history, though you may need to visit a branch or complete a video call.

Frequently Asked Questions

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

Most banks require a Social Security number for online opening. However, some banks accept an ITIN (Individual Taxpayer Identification Number) if you are a non-citizen. You will likely need to call the bank or visit a branch to set this up, as the online form usually only accepts SSNs. Ask the bank's customer service line whether they accept ITINs before you apply.

What if my online application is rejected?

Call the bank and ask why. Common reasons are identity verification failure, a ChexSystems flag, or a mismatch between your application and public records. If it is a verification issue, you can correct the information and reapply. If it is a ChexSystems flag, visit a branch and speak to a manager—they may be able to override it or direct you to a bank that works with people in your situation.

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

Most banks require a minimum deposit of $25 to $100 to open an account online. Some online-only banks have no minimum. Check the bank's website for this requirement before you apply. If you cannot meet the minimum, look for a bank that does not require one, or visit a branch to ask if they can waive it.

How long does it take to receive my debit card after opening an account online?

Physical debit cards usually arrive in 7 to 14 business days. Many banks provide a temporary card number you can use for online purchases or mobile payments immediately. If you need cash access right away, ask whether the bank offers instant card activation or whether you can withdraw cash at a branch or ATM using your account number.

Can I open a joint account online?

Most banks allow you to open a joint account online, but both account holders must provide their own ID and Social Security number. The process is similar to opening an individual account, but you will need to provide information for both people. Some banks require both people to be present or to verify their identity separately before the account is activated.