Yes, you can open a joint bank account online, but the process varies by bank and requires both account holders to verify their identity

Most major banks and many online-only banks let you start a joint account through their website or mobile app without visiting a branch. The account holder who initiates the application (usually called the primary account holder) can begin online, but the second account holder must also complete identity verification before the account becomes active. Some banks finish the entire process online; others require a phone call or video verification with both parties present.

The speed depends on the bank. Online banks often complete verification within hours or a day. Traditional banks with physical branches may take one to three business days. A few banks still require at least one person to sign documents in person or by wet signature, which adds time.

Key Takeaways

  • The person opening the account starts online, but both account holders must verify their identity before the account is active.
  • Online banks typically finish the process faster than traditional banks, sometimes within hours.
  • You will need a Social Security number or ITIN, a government-issued ID, and proof of current address for each account holder.
  • Some banks require a phone call or video meeting with both people; others complete everything through the app or website.
  • The second account holder usually receives an email or text invitation to complete their part of the setup.

What documents and information you need before you start

Have these items ready for both account holders before opening the account: a valid government-issued ID (driver's license, passport, or state ID), a Social Security number or ITIN, and proof of current address (a utility bill, lease, or recent bank statement dated within the last 60 days). Some banks also ask for employment information or a phone number to reach you during verification.

If either account holder does not have a Social Security number, ask the bank whether they accept an ITIN (Individual Taxpayer Identification Number). Not all banks do. If you are opening the account from outside the United States, check whether the bank serves non-residents; most do not.

How the online verification process works

The primary account holder fills out an online form with personal information, selects the account type (checking, savings, or both), and chooses initial deposit method. The bank then verifies their identity, usually by checking their information against credit bureaus and public records. This step is automated and happens in minutes to hours.

Next, the bank sends an invitation to the second account holder via email or text. That person logs into the bank's website or app, enters their own information, and completes the same identity verification. Some banks require both people to be present for a video call with a bank representative, especially if the verification system flags anything unusual. If the bank cannot verify someone's identity online, they may ask for a photo of their ID or a phone call to confirm details.

Once both people are verified, the account opens and you can fund it. Funding methods vary: direct deposit, ACH transfer from another bank account, wire transfer, or in-person deposit at a branch if the bank has one.

Banks that let you open a joint account entirely online

Online banks like Ally, Charles Schwab, and Discover typically complete the entire process online without requiring a phone call or branch visit. Chase, Bank of America, Wells Fargo, and Citibank offer online joint account opening, but some branches or account types may require a phone call or in-person signature. Credit unions vary widely; some allow full online opening, others require at least one person to visit a branch or sign documents by mail.

Before you choose a bank, check their website for "open a joint account" or call their customer service line to confirm whether the process is fully online or requires a phone call or visit. Ask specifically whether both account holders can complete everything from home and how long it typically takes.

What happens if one account holder cannot verify their identity online

If the bank's automated system cannot verify someone's identity, they will usually ask for additional documents: a photo of the front and back of their ID, a recent utility bill, or a video call with a representative. Some banks have a manual review process that takes a few extra business days.

If someone has no credit history, a very recent address change, or an uncommon name, verification may take longer. In rare cases, the bank may ask one person to visit a branch in person to sign documents. If that is not possible, ask whether the bank can complete verification by phone or mail instead.

Funding your new joint account

Once the account is open, you can add money through several methods. Direct deposit from an employer or government benefit takes one to three business days. ACH transfer from another bank account (yours or someone else's) takes one to three business days. Wire transfer is faster, usually same-day or next-day, but costs $15 to $30. Some banks let you deposit cash or checks at a branch or ATM if they have physical locations.

The account is ready to use as soon as it opens, even if you have not funded it yet. You can set up bill pay, receive direct deposits, or link it to other accounts immediately. Both account holders can access the account, make withdrawals, and see the balance unless you set restrictions through the bank.

Setting permissions and limits on a joint account

Most banks let you control what each account holder can do. You can restrict one person from closing the account, making large transfers, or changing the account settings. Some banks let you set daily withdrawal limits or require both people to approve transfers over a certain amount.

These settings are usually managed through the bank's app or website after the account opens. Log in, find the account settings or permissions section, and adjust who can do what. If you cannot find the option, call the bank's customer service line; they can set restrictions for you.

Frequently Asked Questions

Can I open a joint account if the other person lives in a different state or country?

Yes, as long as both people have valid identification and the bank serves that location. Most banks allow joint accounts between people in different states. If one person lives outside the United States, check with the bank first; many do not open accounts for non-residents or require additional documentation.

What if the second account holder does not have a Social Security number?

Some banks accept an ITIN (Individual Taxpayer Identification Number) instead. Others require a Social Security number and will not open the account without one. Call the bank before you start the application to confirm what they accept.

How long does it take for both people to complete the online process?

If both people have their documents ready and verification goes smoothly, the entire process takes 15 to 30 minutes per person. The account usually opens within hours at online banks or one to three business days at traditional banks. If verification is delayed or requires additional documents, it may take longer.

Can I add someone to my existing account instead of opening a new joint account?

Yes, most banks let you add an authorized user or convert an individual account to a joint account. This is usually faster than opening a new account and can be done online or by phone. Contact your bank to ask about converting your account.

What if one account holder wants to close the account later?

Most banks require both account holders to agree to close a joint account. Some let one person close it unilaterally if the account balance is zero. Check your bank's policy before you open the account, and discuss what happens if one person wants out before you both sign up.