Yes, you can open most checking and savings accounts entirely online

Most banks and credit unions now let you open an account from your computer or phone without stepping into a branch. You'll need a valid government ID, a Social Security number or tax ID, proof of your current address, and a way to fund the account—usually a debit card or transfer from another bank. The whole process typically takes 10 to 20 minutes, and your account can be ready to use the same day or within one business day.

Not every bank offers this. Large national banks like Chase, Bank of America, and Wells Fargo do. Many online-only banks like Ally, Charles Schwab, and Discover require no branch visit at all. Credit unions vary—some have full online opening, others require you to visit a branch or use a video call with a representative. Before you start, check the bank's website to confirm they offer online account opening.

Key Takeaways

  • Most major banks and online-only banks let you open a checking or savings account entirely online using your ID, Social Security number, and proof of address.
  • You'll need to fund the account immediately, usually by linking a debit card or transferring money from an existing bank account.
  • Some banks use instant verification through your ID photo and personal details, while others may ask you to mail in documents or wait for a verification call.
  • Credit unions often require a branch visit or video call even if they advertise online opening, so confirm their exact process before starting.
  • If you don't have an ID, proof of address, or Social Security number, you may need to visit a branch in person or use a co-signer.

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 bank will ask you to photograph both sides or upload a digital copy. Have your Social Security number or Individual Taxpayer Identification Number (ITIN) ready; the bank uses this to verify your identity and check for fraud.

You'll also need proof of your current address. This is usually a utility bill, lease agreement, mortgage statement, or government mail dated within the last 60 days. Some banks accept a bank statement from another institution. A few banks will let you use your ID address if it's current, but most require a separate document.

Finally, have a way to fund the account. Most banks require you to link a debit card from another bank or make an ACH transfer from an existing checking account. A few banks accept wire transfers or checks, but these are slower. If you don't have another account, ask the bank whether they accept deposits by mail or in-branch before you open the account online.

How the verification process works when you can't visit in person

When you submit your application online, the bank runs your information through automated verification systems. They check your ID against state databases, confirm your Social Security number with the Social Security Administration, and verify your address against utility company records and postal databases. If everything matches, you may get instant approval—sometimes within minutes.

If the automated check can't confirm your information, the bank may ask you to take a video call with a representative. During this call, they'll ask you to show your ID, answer security questions, and confirm details from your application. This usually takes 5 to 15 minutes and happens within 24 hours of your application. A few banks may ask you to mail in copies of your documents instead, which adds 5 to 10 business days to the process.

Some banks use a knowledge-based authentication (KBA) step, where they ask you questions only you should know the answer to—details from your credit report, past addresses, or previous accounts. This is a security measure to prevent fraud. Answer these questions correctly and your account opens. Answer them wrong and you'll be asked to verify by phone or mail.

Banks and credit unions that let you open accounts fully online

Online-only banks have no physical branches, so they require online opening. Ally Bank, Charles Schwab Bank, Discover Bank, and Marcus by Goldman Sachs all let you open checking or savings accounts entirely online with no video call or mail-in step needed. These banks typically have no monthly fees and competitive interest rates on savings accounts.

Large national banks offer online opening for most account types. Chase, Bank of America, Wells Fargo, and Citibank all have online applications on their websites. Some require a video call if automated verification fails; others may ask you to visit a branch to complete the process, though this is rare. Check the specific bank's website for their exact process.

Credit unions are less consistent. Some, like Connexus Credit Union and Alliant Credit Union, offer fully online opening. Others require you to visit a branch, use a video call, or have a current member sponsor you. Call your credit union or check their website before applying. If you're not yet a member, ask whether they have a branch near you or whether they accept online applications with video verification.

What happens if automated verification fails

If the bank can't instantly verify your information, don't assume your application is denied. Most banks will contact you within one business day with next steps. They may ask you to upload additional documents—a clearer photo of your ID, a utility bill with your name and address, or a recent bank statement. Upload these through the bank's website or mobile app, and they'll review them within 24 to 48 hours.

If documents don't resolve the issue, the bank will call you for a video verification. Have your ID ready and be prepared to answer questions about your personal details, address history, and employment. This call usually takes 10 minutes. Once you complete it, your account typically opens within one business day.

In rare cases, the bank may ask you to visit a branch in person to complete verification. This happens when the bank cannot verify your identity through any remote method—for example, if your ID is from a country the bank doesn't recognize, or if there's a significant mismatch between your application and their records. If this happens, you can either visit a branch or contact the bank to discuss other options.

Funding your account when you open it online

Most banks require you to fund your account immediately after opening it. The most common method is linking a debit card from another bank and making a small transfer—often $25 or more. The bank will debit your card right away, and the money appears in your new account within one to three business days. Some banks credit it instantly.

You can also fund the account with an ACH transfer from an existing checking or savings account at another bank. Provide your routing number and account number from that account, and the bank will pull money from it. This takes one to three business days and usually has no minimum amount.

If you don't have another bank account or debit card, ask the bank about alternatives before you open the account. Some accept wire transfers (which cost $15 to $30), checks mailed to the bank, or in-person deposits at a branch. A few banks will open your account without funding it immediately, but this is uncommon. Confirm this with the bank's customer service before you apply.

When you may need to visit a branch in person

You'll likely need to visit a branch if you don't have a government-issued photo ID. Some banks will accept a passport card or tribal ID, but if you have no ID at all, most require an in-person visit. Bring documents that prove your identity and address—a utility bill, lease, or birth certificate—and a representative will help you open the account.

You may also need to visit a branch if you don't have a Social Security number or ITIN. Some banks will open accounts for non-citizens using an ITIN or a passport number, but policies vary. Call the bank before you apply to confirm they can work with your situation.

If you want to open a business account, a joint account with someone who isn't present, or a special account type (like a trust or power of attorney account), most banks require at least one owner to visit a branch or complete a video call. Check the bank's website for the specific requirements of the account type you need.

Frequently Asked Questions

How long does it take to open an account online?

The application itself takes 10 to 20 minutes. If automated verification approves you instantly, your account opens the same day or within one business day. If the bank needs to verify documents or call you, add one to three business days. In rare cases where you need to mail documents, it can take up to two weeks.

Can I use my account right away after opening it online?

You can usually use your account immediately for transfers and bill payments. Debit cards and checks take longer—debit cards arrive by mail in 7 to 10 business days, and checks take 5 to 7 business days. If you need to withdraw cash immediately, you may need to visit a branch or use an ATM at a partner bank.

What if I don't have a current address to verify?

If you're homeless or living temporarily, call the bank and explain your situation. Some banks will accept a shelter address, a PO box, or a friend's address if you can provide other proof of identity. Others may require you to visit a branch. It's worth asking before you apply online.

Do I need to have good credit to open an account online?

No. Banks don't check your credit score to open a checking or savings account. They do check ChexSystems, a database of banking history, to see whether you've had accounts closed for fraud or unpaid overdrafts. If you have a negative ChexSystems record, some banks will still open an account for you, but others won't. Ask the bank about their policy before you apply.

Can someone else open an account for me if I can't do it myself?

Not online. The person opening the account must be the account owner and must verify their own identity. If you need help, you can ask someone to sit with you while you complete the application, but they can't do it for you. If you're unable to use a computer or phone, visit a branch in person and ask a representative to help you open the account.