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

Every bank requires a government-issued photo ID to open an account. This can be a driver's license, passport, state ID card, or tribal ID. The bank needs to verify you are who you say you are, and they are required by federal law to do this before they let you deposit money.

You also need proof of your current address. This is separate from your ID because your ID may show an old address. A recent utility bill, lease, mortgage statement, or government mail with your name and current address works. Most banks accept documents dated within the last 60 days, though this varies by bank—call ahead if you are unsure.

If you do not have a current utility bill or lease, a bank statement from another financial institution, a property tax bill, or a letter from a government agency with your name and address can work instead. Some banks also accept mail from your employer or a recent insurance policy.

Key Takeaways

  • Bring an original government-issued photo ID—a driver's license, passport, state ID, or tribal ID—because federal law requires banks to verify your identity before opening an account.
  • Bring proof of your current address dated within the last 60 days, such as a utility bill, lease, or mortgage statement, because your ID may show an old address.
  • If you do not have traditional documents, a bank statement from another institution, property tax bill, or employer letter with your name and address may work instead.
  • Bring your Social Security number or ITIN (Individual Taxpayer Identification Number) written down, because banks need it to report interest and comply with tax law.
  • Bring a small opening deposit if the account has a minimum—this varies by bank and account type, so confirm the amount before you go in.

Your Social Security number or ITIN

Banks must collect your Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN) before they open your account. This is a federal requirement. The bank uses it to report interest you earn and to comply with tax reporting rules. Write it down before you go in, or bring the document where it appears—your Social Security card, tax return, or W-2.

If you do not have a Social Security number and are not a U.S. citizen, you may be able to open an account with an ITIN instead. Not all banks offer this, so call ahead. Some banks also accept a passport number or other identification if you cannot provide an SSN or ITIN, though this is less common.

A small opening deposit

Many banks require a minimum opening deposit to start an account. The amount varies widely—some banks have no minimum, while others require $25, $100, or more. Checking accounts often have lower minimums than savings accounts. Call the bank or check their website before you go in so you know exactly how much to bring.

You can deposit cash, a check, or transfer money from another account. If you are bringing cash, bring it in the form you have it—the bank will count it. If you are bringing a check, make sure it is made out to you or is a check you can deposit (some banks have restrictions on third-party checks).

Optional documents that speed up the process

Bringing a second form of ID or an extra proof of address can help if there is any question about your identity or address. A work ID, school ID, or credit card with your name on it can serve as a second form of identification. An extra utility bill or lease copy takes only seconds to provide and prevents delays.

If you are opening an account online or by mail instead of in person, the bank will tell you exactly which documents to send. Some banks photograph your ID and address proof using your phone camera, while others ask you to mail originals or certified copies. Ask the bank what format they need before you gather documents.

What happens if you do not have standard documents

If you do not have a driver's license or passport, a state ID card works just as well. If you do not have a utility bill or lease, look for any official document with your name and current address—a bank statement from another institution, insurance policy, property tax bill, or letter from a government agency. Courts, social services offices, and housing authorities can issue letters with your name and address if you need one.

If you have no address at all—you are unhoused or living temporarily—some banks will accept mail from a shelter, a social services agency, or a trusted person's address where you receive mail. Call the bank directly and explain your situation. Many have workarounds for people without stable housing, though policies vary by location and bank.

What banks cannot ask for

Banks cannot require you to bring a credit card, a Social Security card in physical form (a number is enough), or proof of income to open a basic checking or savings account. They also cannot ask for your mother's maiden name, your birth certificate, or a reference from another bank as a condition of opening an account.

If a bank asks for documents beyond ID, address proof, and your SSN or ITIN, ask why. Some banks may request additional information if you are opening a business account or a high-yield savings account, but for a standard personal checking or savings account, the basic documents are all that is required.

Frequently Asked Questions

Can I open an account with an expired ID?

Most banks will not accept an expired ID, even if it is only expired by a few months. The ID needs to be current to prove your identity. If your ID is expired, renew it before you go to the bank. You can usually renew a driver's license or state ID at your local DMV, and a passport at a post office or passport agency.

What if my address on my ID does not match my current address?

This is normal and expected. Bring your ID and a separate proof of your current address, such as a utility bill or lease. The bank will use both documents—your ID to verify who you are, and the address proof to confirm where you live now.

Do I need to bring original documents or can I bring copies?

For in-person account opening, bring originals so the bank can see them and verify they are real. For online or mail account opening, the bank will tell you whether to photograph documents, scan them, or mail originals. Ask the bank before you go in or submit anything.

Can someone else open an account for me?

No. You must be present and provide your own ID and signature. A parent or guardian can open an account for a minor child, but the child's ID and the adult's ID are both required. You cannot authorize someone else to open an account on your behalf.

What if I do not have a Social Security number?

If you are not a U.S. citizen, you may be able to use an ITIN instead. If you do not have either, some banks will not open an account for you. Call banks in your area and ask whether they accept accounts without an SSN or ITIN, or whether they have alternative processes for non-citizens.