Yes, you can open most bank accounts entirely online
Most banks and credit unions let you open a checking or savings account without stepping into a branch. You provide your information through their website or app, upload documents to verify your identity, and the account is usually ready within one to three business days. Some banks open accounts when ready; others take longer because they use a third-party verification service.
The speed and ease depend on which bank you choose and what type of account you want. Online-only banks (sometimes called neobanks) tend to be fastest. Traditional banks with physical branches usually take longer because they have more verification steps. Credit unions vary widely—some have full online opening, others require you to visit in person or mail documents.
Key Takeaways
- Most banks and credit unions allow online account opening, but the process and timeline vary by institution.
- You will need a government-issued ID, proof of address, and your Social Security number or ITIN to open an account online.
- The bank will verify your identity using either an automated system or a video call with a representative.
- Accounts typically become active within one to three business days, though some online banks set up them when ready.
- If you cannot open an account online, you can mail documents or visit a branch in person.
What documents and information you need before you start
Have these items ready before you begin the online process. You will need a government-issued photo ID—a driver's license, passport, or state ID card. The bank will ask for your Social Security number (or ITIN if you do not have one). You will also need proof of your current address, usually a utility bill, lease, mortgage statement, or government document dated within the last 60 to 90 days.
Some banks ask for additional information depending on the account type. If you are opening a business account, you may need an EIN (Employer Identification Number) and business formation documents. For a joint account, both account holders need to provide their own ID and Social Security number. A few banks ask about your employment or income, though this is less common for basic checking accounts.
Have your phone number and email address ready. The bank will use these to contact you and send account details. If you plan to link an existing bank account for transfers, have that account number and routing number available.
How the identity verification step works
After you enter your personal information, the bank verifies who you are. Most use one of two methods: automated verification or video verification.
Automated verification is faster. The bank checks your information against databases—credit bureaus, the Social Security Administration, and other sources. If the system confirms your identity, you move forward when ready. This usually takes minutes. If the system cannot verify you (because your information does not match records, or because you are new to the country), the bank moves you to the next step.
Video verification means a bank representative calls you or you schedule a video call. They ask you to show your ID to the camera, ask a few questions to confirm your identity, and watch while you do it. This takes 5 to 15 minutes. Some banks use video as the standard step for everyone; others use it only when automated verification fails.
A small number of banks still require you to mail in copies of your documents or visit a branch. This is less common but happens with some credit unions and smaller regional banks.
Timeline from process to account ready to use
The speed depends on the bank and the verification method. Online-only banks (like Chime, Ally, or Charles Schwab) often set up accounts within minutes to a few hours. You can sometimes start using a debit card or make transfers the same day you open the account.
Traditional banks with branches (like Chase, Bank of America, or Wells Fargo) typically take one to three business days. They verify your identity, review the process, and then set up the account. You usually receive a debit card in the mail within 7 to 10 business days, though you can often use the account online before the card arrives.
Credit unions vary widely. Some open accounts in hours; others take several business days or require you to visit a branch. Check with your specific credit union before you start.
Weekends and holidays slow things down. If you open an account on Friday evening, the bank may not process it until Monday. If you open it on a holiday, processing starts the next business day.
What happens if the bank cannot verify you online
If automated verification fails, the bank will tell you why and offer alternatives. Common reasons include a mismatch between the name or address you provided and what is in their databases, or a recent move that has not yet been recorded with credit bureaus.
Your options are usually: schedule a video call with a representative, mail in copies of your documents, or visit a branch in person. Some banks let you do this when ready; others ask you to wait a few days and try again, in case the information updates in their system.
If you are new to the United States, have a thin credit history, or have recently changed your name, you are more likely to need manual verification. This is not a rejection—it just means an extra step. The process still takes one to three business days once you complete it.
Opening an account if you do not have a Social Security number
You can open a bank account with an ITIN (Individual Taxpayer Identification Number) instead of a Social Security number. An ITIN is issued by the IRS to people who do not have a Social Security number but need to file taxes or conduct financial business in the United States.
Not all banks accept ITINs online. Call ahead or check the bank's website to confirm. If the bank does accept ITINs, the process is the same—you provide your ITIN instead of a Social Security number, and the bank verifies your identity using the same methods.
If a bank refuses to open an account with an ITIN, try a credit union or an online bank. Credit unions are often more flexible with non-traditional identification. Some online banks specifically market accounts for people without Social Security numbers.
What to do if you cannot open an account online
If the bank's online system will not let you open an account, or if you prefer not to use it, you have other options. Visit a branch in person with your ID and proof of address. A representative can open the account on the spot, and you can usually start using it when ready. This is the fastest option if you need the account right away.
You can also mail documents to the bank. Call the bank's customer service line and ask for the mailing address and what documents to send. Include a copy of your ID, proof of address, and a signed process form (the bank will mail this to you or you can read it from their website). Mail takes longer—usually one to two weeks—but it works if you cannot visit a branch or use video verification.
Some banks let you start the process online and finish it in person at a branch. This is useful if you want to ask questions or if you are not comfortable with video verification.
Frequently Asked Questions
How long does it take to get a debit card after opening an account online?
Most banks mail a debit card within 7 to 10 business days. Some online banks issue a virtual card you can use when ready for online purchases or mobile payments, and mail a physical card later. A few banks let you pick up a card at a branch the same day you open the account.
Can I open an account if I have been denied by ChexSystems?
ChexSystems is a banking history database. Some banks check it before opening accounts. If you have been denied, ask the bank why and for how long the record stays. Some banks specialize in second-chance accounts and do not check ChexSystems. Credit unions are often more flexible. You can also request your ChexSystems report and dispute errors.
Do I need a minimum deposit to open an account online?
Most banks do not require a minimum deposit to open a checking or savings account. Some require a small deposit (like $25) to set up the account, but many waive this if you set up direct deposit. Check the bank's website for their specific requirements.
What if I do not have proof of address?
If you do not have a utility bill or lease, some banks accept other documents: a government letter, a bank statement, a credit card statement, or a phone bill. Call the bank and ask what they will accept. If you have none of these, visiting a branch in person is usually faster than trying to gather documents.
Can someone else open an account on my behalf?
No. The bank needs to verify your identity directly. You must be present for video verification or in person at a branch. You cannot have someone else do it for you, even if they are a family member or have power of attorney.