Yes, you can open most Bank of America accounts entirely online

Bank of America lets you open a checking or savings account from your computer or phone without visiting a branch. The process takes about 10 minutes and you can start using your account the same day in most cases. You will need a valid government ID, a Social Security number, and a way to verify your identity — usually a phone number or email address Bank of America can reach you at.

Not every account type is available online. Some specialty accounts or accounts for businesses may require a visit to a branch or a phone call. But the standard checking and savings accounts that most people use are fully available online.

Key Takeaways

  • You can open a Bank of America checking or savings account online using a computer or mobile app, with no branch visit required.
  • The online process requires a valid government ID, Social Security number, and a way for Bank of America to verify your identity by phone or email.
  • Your account is usually ready to use the same day, though it may take a few business days for your debit card to arrive in the mail.
  • Some account types, such as business accounts or accounts for people under 18, may require you to visit a branch or call instead.

What you need before you start

Gather these items before you begin the online process. You will need a valid government-issued ID — a driver's license, passport, or state ID card. Bank of America will ask you to enter information from this ID, such as the ID number and expiration date.

You also need your Social Security number. Bank of America uses this to check your identity and to report your account to credit bureaus. If you do not have a Social Security number, you cannot open an account online, though you may be able to visit a branch to discuss other options.

Finally, have a phone number or email address ready that Bank of America can use to reach you during the sign-up process. They will send you a code to verify that the number or email belongs to you.

The steps to open an account online

Go to the Bank of America website or open the mobile app. Look for a button or link that says "Open an Account" — it is usually on the home page. You will be asked to choose which type of account you want: checking, savings, or both.

Next, enter your personal information: name, date of birth, address, phone number, and email. Bank of America will ask for your Social Security number at this stage. Then you will enter information from your government ID — the ID type, number, and expiration date.

Bank of America will send a verification code to your phone or email. Enter this code to prove you control that phone number or email address. After that, you will set up your username and password for online banking. Choose a password you have not used elsewhere and that you can remember.

Finally, you will review the account terms, agree to them, and submit your process. Bank of America will tell you right away whether your account is open. In most cases, you can use your account when ready for transfers and bill payments, even though your physical debit card will arrive by mail in 7 to 10 business days.

When Bank of America may ask you to visit a branch instead

Some situations require you to go to a branch or call a representative. If you are under 18, you will need a parent or guardian to open the account with you in person at a branch. Bank of America does not open accounts for minors online.

If you are opening a business account, a trust account, or an account for a non-profit organization, you will need to visit a branch or call. The same applies if you want to deposit cash on the day you open the account — online accounts cannot receive cash deposits until you have a debit card and can visit an ATM or branch.

If Bank of America cannot verify your identity during the online process — for example, if your ID information does not match their records — they may ask you to call or visit a branch to complete the process manually.

What happens after you open your account

Your account number and routing number will appear on the screen as soon as your account opens. Write these down or take a screenshot, because you will need them if you want to set up direct deposit or transfer money from another bank. You can also find this information anytime by logging into your online banking account.

Your debit card will arrive in the mail within 7 to 10 business days. Until it arrives, you can still use your account to receive transfers, pay bills online, or move money between your own accounts. You can also withdraw cash at any Bank of America ATM by using your username and password on the ATM screen, even before your card arrives.

Bank of America will send you a welcome email with information about your account and links to set up online banking features like bill pay and mobile check deposit. You can also call the number on the back of your debit card once it arrives if you have questions about your account.

Fees and account requirements

Bank of America checking and savings accounts have different fee structures depending on which account you choose. Some accounts have a monthly maintenance fee, while others waive the fee if you meet certain requirements — such as keeping a minimum balance or setting up direct deposit. When you open your account online, Bank of America will show you the fee schedule for the account type you selected.

Many Bank of America accounts also offer benefits like free online bill pay, mobile check deposit, and access to their ATM network. These features are included with your account at no extra cost. Read the account details carefully during sign-up so you understand what fees explore to your specific account.

Frequently Asked Questions

How long does it take to open a Bank of America account online?

The process process usually takes 10 to 15 minutes. Your account opens when ready after you submit your process, and you can use it right away for transfers and bill payments. Your physical debit card arrives by mail in 7 to 10 business days.

Can I deposit cash into my new account right away?

No, you cannot deposit cash online. You can deposit cash at a Bank of America branch or ATM once your debit card arrives. Until then, you can receive money through transfers from other accounts or direct deposit.

What if Bank of America rejects my online process?

Bank of America will tell you if your process cannot be processed online and will explain why. You can usually visit a branch or call to complete the process with a representative. Common reasons include identity verification issues or being under 18.

Do I need an existing Bank of America account to open a new one online?

No, you can open your first Bank of America account entirely online. You do not need to be an existing customer or have any prior relationship with the bank.

Can I choose my account number when I open online?

No, Bank of America assigns your account number automatically. You cannot request a specific number or change it after your account opens.