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

Every bank requires at least two pieces of identification before they will open an account. The first is always a government-issued photo ID—a driver's license, passport, state ID card, or tribal ID. The second is proof that you live where you say you do, usually a utility bill, lease, mortgage statement, or government mail dated within the last 60 days. Some banks accept a recent bank statement or insurance policy instead.

If you do not have a current address on your ID, bring the ID anyway along with the address proof. The bank will update their records with your actual address. If your ID has expired, most banks will still accept it as long as the photo is clearly you—call ahead to confirm, since policies vary by branch.

Bring the originals, not copies. Banks need to see and verify the documents themselves. If you are opening an account online or by mail, you may be asked to photograph or scan them, but you should still have the originals ready in case the bank asks you to visit a branch to confirm.

Key Takeaways

  • You must bring a government photo ID (driver's license, passport, or state ID) and proof of your current address dated within 60 days.
  • Proof of address can be a utility bill, lease, mortgage statement, or government mail—bring the original, not a copy.
  • If you do not have a current address on your ID, bring both your ID and a separate address proof document.
  • Some banks also ask for a Social Security number or ITIN, which you can provide verbally or in writing during the account opening.
  • If you are opening an account online, you may upload photos of your documents, but have the originals available if the bank needs verification.

Social Security number or ITIN

Banks are required by federal law to collect your Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN) when you open an account. You do not need to bring a card or document—you can simply tell the bank representative the number. If you do not have an SSN or ITIN, you cannot open a standard checking or savings account, though some banks offer accounts for people without one (ask your branch directly).

If you are opening an account online, you will type your SSN or ITIN into the application form. The bank verifies it against federal records to prevent fraud and money laundering. Have your number ready before you start the application.

What to bring if you are opening a joint account

If two or more people are opening an account together, each person must bring their own government photo ID and proof of address. Both account holders must be present at the bank, or the bank must receive signed authorization from anyone not present (policies vary by institution). Some banks allow one person to open the account and add the other person later, but this requires a separate form and verification.

Each person will provide their own SSN or ITIN. The bank will run background checks on all account holders. If either person has a history of fraud or unpaid overdrafts at other banks, some institutions may deny the joint account or require additional documentation.

Documents for specific account types

If you are opening a business account, bring your business license or articles of incorporation, along with your personal ID and proof of address. Some banks also ask for an Employer Identification Number (EIN) or a letter from the IRS showing your business is registered.

If you are opening a minor's account (for someone under 18), a parent or legal guardian must be present with their own ID and proof of address. Some banks require the minor to be present as well. A few banks offer custodial accounts that allow a parent to manage the account until the child reaches a certain age—ask whether this option is available.

If you are opening an account as a power of attorney for someone else, bring the power of attorney document itself (the original or a certified copy), along with your ID and the other person's ID and proof of address if possible. Not all banks allow this; call ahead.

What you do not need to bring

You do not need to bring a credit card, a previous bank statement, or a letter of recommendation. You do not need to have a job or proof of income to open a basic checking or savings account. You do not need to deposit a minimum amount on the day you open the account, though some banks offer better rates or waive fees if you do (ask about current promotions).

You do not need to bring cash to fund the account immediately. You can open the account and fund it later by transferring money from another bank, depositing a check, or setting up a direct deposit from your employer.

If you do not have proof of address

If you are homeless or do not have a utility bill or lease in your name, tell the bank. Some will accept a letter from a shelter, a government agency, or a social services organization on official letterhead stating your current address. Others will accept mail addressed to you at a shelter or care facility. A few banks will open an account with just your ID and SSN if you explain your situation, though this is less common.

Call the bank before you visit to ask what they will accept. Different branches of the same bank may have different policies, so speaking to someone directly saves a wasted trip.

Frequently Asked Questions

Can I open a bank account with an expired ID?

Most banks will accept an expired ID as long as the photo is clearly you and the ID is still valid for identification purposes (not revoked). Call your bank first to confirm their policy. If your ID is more than five years expired, some banks may ask for additional documentation.

What if my address on my ID does not match where I live now?

Bring both your ID and a current proof of address document. The bank will open the account under your legal name and address on the ID, then update their records with your current address. You can change your address on your ID later at the DMV or your state's ID office.

Do I need to bring anything if I am opening an account online?

You will need to upload or photograph your government ID and proof of address. Have these documents ready before you start the application. Some banks may ask you to visit a branch or verify your identity by video call if they cannot confirm your information online.

What if I do not have a Social Security number?

If you have an ITIN (Individual Taxpayer Identification Number), you can use that instead. If you have neither, ask your bank whether they offer accounts for people without an SSN or ITIN. Some do, though they are less common. You may also contact your local community bank or credit union, as they sometimes have more flexible policies.

Can someone else open an account on my behalf?

Not for a standard account. You must be present with your own ID, or the bank must receive a signed power of attorney document. Even with a power of attorney, not all banks allow account opening on behalf of another person—call ahead to ask.