Yes, you can open most checking accounts entirely online
Many banks and credit unions now let you open a checking account from your computer or phone without visiting a branch. The process usually takes 10 to 20 minutes. You'll answer questions about yourself, verify your identity, and link a funding source — then your account opens the same day or within one business day.
Not every bank offers online account opening, and some have restrictions based on where you live or your banking history. But the major national banks, most online-only banks, and many credit unions have this option available.
Key Takeaways
- Online account opening typically takes 10 to 20 minutes and your account can be active the same day or by the next business day.
- You will need a valid government ID, a Social Security number or ITIN, proof of current address, and a way to fund your first deposit.
- The bank will run a background check through ChexSystems or Early Warning Services to verify you have not had problems with past accounts.
- Some banks restrict online opening to people in certain states or with existing banking history, so you may need to visit a branch or call instead.
- Once your account opens online, you can order a debit card and start using mobile banking or online bill pay right away.
What documents and information you need before you start
Have these items ready before you begin the online process. You will need a valid government-issued ID — a driver's license, passport, or state ID card. The name on your ID must match the name you use to open the account.
You will also need your Social Security number or an ITIN (Individual Taxpayer Identification Number) if you do not have a Social Security number. The bank uses this to verify your identity and check your banking history.
Bring proof of your current address — a utility bill, lease, mortgage statement, or government mail dated within the last 60 days usually works. Some banks will accept a phone bill or insurance statement instead. If you have just moved and do not have a document yet, call the bank to ask what they will accept.
Finally, have a way to fund your account ready. This might be a debit card, another bank account, or a wire transfer. Most banks require an initial deposit, though the amount varies — some ask for $25, others for $100 or more. A few online-only banks have no minimum.
How the identity verification step works
During online account opening, the bank will ask you to verify your identity. Most banks use one of two methods: they either ask you to take a photo of your ID with your phone or computer, or they ask security questions based on your credit history and public records.
If the bank asks for a photo, make sure your ID is clearly visible, well-lit, and not blurry. The photo verification usually takes a few minutes. If the bank uses security questions, you will answer questions like "Which of these addresses have you lived at?" or "Which of these is your mother's maiden name?" These questions are designed so only you would know the answers.
Some banks use both methods together. If the system cannot verify you automatically, the bank may ask you to upload documents by email or call you to confirm information by phone. This can add a day or two to the process.
The background check: ChexSystems and Early Warning Services
When you open an account, the bank will run a background check through ChexSystems or Early Warning Services — these are companies that track banking history. They look for things like unpaid overdrafts, fraud, or accounts closed due to problems.
If you have never had a bank account before, this check will come back clear and you will not see any result. If you have had accounts in the past, the check will show whether you left any accounts in good standing or whether there were issues.
A bad ChexSystems report does not automatically disqualify you. Some banks work with people who have past banking problems, and some specialize in second-chance accounts. If one bank declines you, you can try another. You can also request your own ChexSystems report for free at chexsystems.com to see what the bank sees about you.
Why some banks will not let you open an account online
A few banks do not offer online account opening at all, or they restrict it to certain states. This is usually because of state banking laws or the bank's own policies. If you try to open an account online and the bank says it cannot, you have two options: visit a branch in person, or call the bank to ask whether they can open an account over the phone.
Some banks also require you to have an existing account with them or a relationship with the bank before you can open a second account online. If you are a first-time customer, you might need to go to a branch or call.
Credit unions sometimes have stricter rules than banks. You may need to live or work in a certain area, or belong to a specific group, to open an account. Many credit unions let you start the process online but require you to finish it in person or by mail.
What happens after your account opens
Once your account is approved, you will receive a confirmation email with your account number and routing number. You can start using your account right away for online bill pay or transfers from another account, even if your debit card has not arrived yet.
Your debit card will arrive by mail within 7 to 10 business days. Some banks let you order a card during the account opening process; others send one automatically. You can usually set up your card through the bank's app or website as soon as it arrives.
If you need cash before your card arrives, you can withdraw money at an ATM using your account number and a temporary PIN, or you can transfer money to another account you own. Ask the bank what options are available to you.
When you might need to open an account in person instead
If the bank declines your online process, you still have options. Visit a branch and ask to speak with a banker about opening an account in person. Bring the same documents you would have used online — your ID, proof of address, and Social Security number.
Opening an account in person takes longer (usually 30 minutes to an hour) but gives the banker a chance to see you and discuss your situation. If you have had banking problems in the past, a banker may be able to explain your options or suggest a different type of account that works for your history.
You can also call the bank's customer service line and ask whether they can open an account over the phone. Some banks will do this, though it is less common than online or in-person opening.
Frequently Asked Questions
Do I need a credit card to open a checking account online?
No. You need a way to make your first deposit, which could be a debit card, another bank account, or a wire transfer. A credit card is not required and will not help you open an account.
What if I do not have a government ID?
Most banks require a government-issued ID to open an account online. If you do not have one, you can visit a branch in person with other documents like a passport, state ID, or tribal ID. Call the bank first to ask what they will accept.
How long does it take to get my debit card after opening an account online?
Debit cards usually arrive within 7 to 10 business days. Some banks offer rush delivery for an extra fee. You can use your account for online transfers and bill pay before your card arrives.
Can I open a checking account online if I have had problems with banks before?
It depends on the bank and what the problem was. Some banks specialize in second-chance accounts and will work with you even if you have a negative ChexSystems report. If one bank declines you, try another, or visit a branch to discuss your options with a banker.
What if the online verification fails?
If the bank cannot verify your identity automatically, they will contact you by phone or email to ask for more information or documents. This might add a day or two to the process. You can also call the bank directly to complete verification over the phone.