Yes, you can open most Bank of America accounts online from start to finish

Bank of America lets you open a checking or savings account entirely through their website or mobile app without visiting a branch. The process takes about 10 minutes if you have the right documents ready. You'll need a valid government ID, a Social Security number, and an initial deposit method — usually a debit card or bank account you already own.

Not every account type is available online. Money Market accounts and some specialty products require a phone call or branch visit. But the two most common accounts — the Basic Checking and Savings accounts — can be opened online right now.

Key Takeaways

  • You can open a checking or savings account online using Bank of America's website or mobile app, with no branch visit required.
  • You will need a valid government ID, Social Security number, and a way to fund the account (existing debit card or bank account).
  • The online process takes about 10 minutes and you can start using your account the same day in most cases.
  • Some account types like Money Market accounts cannot be opened online and require a phone call or in-person visit.
  • Bank of America may ask you to verify your identity by uploading a photo of your ID or answering security questions.

What you need before you start

Gather these items before opening your browser. You'll need a valid government-issued ID — a driver's license, passport, or state ID card. Bank of America will ask you to verify it, either by uploading a photo or answering questions about information on the ID itself.

You also need your Social Security number and a current mailing address. Bank of America will mail your debit card and checks to this address, so make sure it's correct.

Finally, you need a way to fund the account. You can use an existing debit card, a credit card, or transfer money from another bank account you own. Bank of America typically requires a minimum opening deposit, though the amount varies by account type — check their current requirements on the account details page before you start.

The step-by-step process

Go to bankofamerica.com and look for the "Open an Account" button, usually near the top of the page. Click it and select which type of account you want — checking, savings, or both. Bank of America will walk you through a series of screens asking for your personal information: name, date of birth, address, phone number, and Social Security number.

Next, you'll verify your identity. Bank of America may ask you to upload a photo of your ID using your phone or computer camera, or they may ask security questions based on your credit history. This step usually takes a few minutes. If the system cannot verify you automatically, a Bank of America representative may call or email you within one business day.

Then you'll choose how to fund the account. Enter the debit card number or bank account details you want to transfer from. Bank of America will process a small test deposit (usually under $1) to confirm the account is real — you'll see this in your other account within one to two business days. Once confirmed, your new Bank of America account is active and you can use it when ready.

When your account is ready to use

Your account number appears on screen as soon as you finish the process, so you can set up direct deposit or transfers right away. You can also read the Bank of America mobile app and log in using your new account number and a temporary password.

Your physical debit card will arrive by mail within 7 to 10 business days. Until it arrives, you can use your account number to make online transfers, set up bill pay, or receive direct deposits. If you need cash when ready, you can visit any Bank of America branch and withdraw money using your ID and account number.

Checks take longer — Bank of America usually mails them 10 to 14 business days after your account opens. If you need checks sooner, you can order them through the app or website and have them expedited, though this costs extra.

Account types you cannot open online

Bank of America's Money Market accounts, CDs (certificates of deposit), and some business accounts must be opened by phone or in person. If you're interested in one of these, call Bank of America at 1-800-432-1000 or visit a local branch. A representative can walk you through the process and answer questions about rates and terms.

Student accounts and accounts for people under 18 also require a parent or guardian to be present, either by phone or in person. Bank of America will not complete these online.

What happens if verification fails

If Bank of America cannot verify your identity automatically using your ID photo or security questions, they will contact you by phone or email within one business day. They may ask you to provide additional documents — a utility bill, lease, or recent bank statement showing your name and address. This is normal and does not mean your process is denied.

In rare cases, Bank of America may decline to open an account if they cannot verify your identity or if you have a history with ChexSystems (a banking verification system) that flags you as high-risk. If this happens, they will tell you why and give you the option to dispute the information or reapply later.

Frequently Asked Questions

How long does it take to open an account online?

The process itself takes about 10 minutes. Identity verification happens when ready in most cases. Your account is active the same day, though your physical debit card arrives in 7 to 10 business days and checks take 10 to 14 days.

Can I open an account if I don't have a Social Security number?

Bank of America requires a Social Security number or ITIN (Individual Taxpayer Identification Number) to open an account. If you have an ITIN, you can use that instead. If you don't have either, you will need to visit a branch in person and bring additional identity documents.

What if I don't have a debit card to fund the account?

You can transfer money from another bank account instead. Bank of America will ask for your routing number and account number. If you don't have access to another account, you can visit a branch and deposit cash in person after your account opens.

Do I need to be a U.S. citizen to open an account online?

No, but you do need a valid government ID and either a Social Security number or ITIN. Non-citizens with these documents can open accounts online. Bank of America may ask additional questions about your residency status during verification.

Can I change my account type after opening it online?

Yes. You can upgrade or downgrade your account through the Bank of America app or website, or by calling customer service. There is no fee to change account types, though some accounts have different monthly fees or minimum balance requirements.