Yes, you can open a Bank of America checking or savings account entirely online

Bank of America lets you open a checking account, savings account, or both through their website or mobile app without visiting a branch. The process takes about 10 minutes if you have the required 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.

The account opens when ready after you complete the process and verify your identity. You can start using it the same day, though some features like mobile check deposit may take a few hours to set up. If you're opening an account to move money from another bank, you can set up a transfer right away.

Key Takeaways

  • You need a valid government ID, Social Security number, and a way to make an initial deposit to open an account online.
  • The process takes about 10 minutes and the account is usually active the same day.
  • Bank of America requires a minimum opening deposit that varies by account type — typically $25 for savings accounts and $100 for checking accounts, though some checking products have no minimum.
  • If you already have a Bank of America account, opening a second one online is faster because the system recognizes you.
  • You can link an external bank account to transfer money in, or use a debit card to fund the new account.

What you need before you start

Gather these items before opening your browser: a valid government-issued ID (driver's license, state ID, or passport), your Social Security number, and either a debit card or the routing and account number of a bank account you already own. Bank of America will ask for your address, phone number, and email as well.

If you're under 18, you'll need a parent or guardian to open the account with you, and they'll need to provide their own ID and Social Security number. The process is the same online, but both people must be present during identity verification.

The steps to open an account online

Go to bankofamerica.com and look for the "Open an Account" button, usually on the homepage. You'll choose the account type you want — checking, savings, or both. Bank of America offers several checking products with different features and fees, so read the descriptions to pick the one that fits your needs.

Enter your personal information: name, date of birth, address, phone number, email, and Social Security number. The system will ask you to create a username and password for online banking. Next, you'll upload a photo of your ID or let the app use your phone's camera to capture it. Bank of America's system reads the ID automatically and compares it to your face using your phone's camera — this usually takes less than a minute.

After identity verification, you'll choose how much to deposit to open the account. You can use a debit card, link an external bank account, or transfer money from another Bank of America account if you have one. Enter the card or account details, review the account agreement, and submit. The account opens when ready.

When your account is ready to use

Your account number and routing number appear on screen as soon as the process is approved. You can use these to set up direct deposit or transfers from other banks right away. A debit card will arrive by mail within 7 to 10 business days; until then, you can withdraw cash at any Bank of America ATM using your online banking login and a temporary digital card in the mobile app.

Mobile check deposit usually activates within a few hours. Wire transfers and some other features may take up to one business day. If you need cash when ready and don't want to wait for the debit card, visit a Bank of America branch with your ID and the account confirmation email — they can issue a temporary card or help you withdraw from your new account.

Minimum deposits and account fees

Bank of America's minimum opening deposit varies by account type. Most savings accounts require $25, while checking accounts typically require $100 — though some checking products have no minimum. The money you deposit counts toward the minimum; you don't need to add more after opening.

Monthly maintenance fees depend on the account type and whether you meet certain conditions. Some accounts waive the fee if you maintain a minimum balance, set up direct deposit, or use online banking. Read the fee schedule for the specific account you're opening so you know what to expect.

If you already have a Bank of America account

Opening a second account is faster if you're already a customer. Log into your existing online banking, and you'll usually see an option to open another account without re-entering all your information. The system recognizes you, so identity verification is simpler — sometimes just a security question instead of uploading your ID again.

You can link the new account to your existing one when ready, making transfers between them when ready and free. If you're opening a savings account to go with an existing checking account, this setup lets you move money between them without leaving your online banking dashboard.

What to do if the process is declined

Bank of America may decline an online process for several reasons: a mismatch between the name on your ID and the name you entered, an issue with identity verification (usually a blurry photo), or a problem with your Social Security number. If this happens, you'll see a message explaining the next step.

Most declines can be resolved by visiting a branch in person with your ID. A banker can verify your information directly and open the account on the spot. Bring your ID, Social Security card if you have it, and the initial deposit method. This usually takes 15 to 20 minutes and solves the problem without reapplying online.

Frequently Asked Questions

Do I need to go to a branch to open a Bank of America account?

No. You can open an account entirely online through the website or mobile app. You only need to visit a branch if your online process is declined or if you want to deposit cash when ready before your debit card arrives.

Can I open a Bank of America account if I don't have a Social Security number?

Bank of America requires a Social Security number or Individual Taxpayer Identification Number (ITIN) to open an account. If you have an ITIN, you can use that instead. Call Bank of America at 1-800-432-1000 to confirm whether your ITIN will work for online opening, as some account types may require a branch visit.

How long does it take to receive my debit card?

Debit cards arrive by mail within 7 to 10 business days. You can use a temporary digital card in the Bank of America mobile app when ready, or visit a branch to request a temporary physical card while you wait.

What if I want to open an account but I'm not sure which type to choose?

Bank of America's website describes each checking and savings product, including fees, minimum balances, and features. You can also call 1-800-432-1000 to talk through your options with someone before opening. You're not locked in — you can switch to a different account type later if needed.

Can I open multiple accounts at the same time?

You can open one account per process. If you want both a checking and savings account, complete the process for one, then start a new process for the second. Both will be linked to your online banking profile once they're open.