Yes, you can open most bank accounts entirely online

Many banks and credit unions now let you open a checking or savings account from your computer or phone without visiting a branch. You fill out an process, upload documents, and verify your identity — all from home. The whole process usually takes 10 to 20 minutes, though approval can take anywhere from a few minutes to a few business days depending on the bank.

Not every account type works online. Some banks still require you to come in person for certain products, like business accounts or accounts for people under 18. But for a basic personal checking or savings account, online opening is standard at most large banks, many regional banks, and most online-only banks.

Key Takeaways

  • You will need a government-issued ID, a Social Security number or ITIN, and a way to verify your identity — usually a video call or a code sent to your phone.
  • The bank will check your banking history through ChexSystems or Early Warning Services, which are databases that track closed accounts and fraud.
  • You can fund the account when ready after opening by linking another bank account, using a debit card, or waiting for a transfer to arrive.
  • Some banks require a minimum opening deposit; others do not, so compare before you choose.
  • If you do not have an ID or Social Security number, some banks and credit unions offer alternatives, but you may need to visit in person.

What documents and information you will need

Before you start, gather a government-issued ID — a driver's license, state ID, or passport. The bank will ask for your full legal name, date of birth, address, and phone number. You will also need your Social Security number or Individual Taxpayer Identification Number (ITIN). If you do not have a Social Security number, some banks will still work with you, but the process may be different — call ahead to ask.

Have a second form of contact ready. Banks often send a code to your phone or email to confirm it is really you. If you are opening an account with another person (a joint account), both people will need to provide their own ID and information, and both will usually need to verify their identity separately.

How identity verification works online

The bank needs to confirm you are who you say you are. Most online banks do this in one of two ways: a video call with a real person, or an automated system that reads your ID and compares your face to it. The video call usually takes a few minutes. You will hold up your ID to the camera, answer a few questions, and that is it. Automated verification is faster but does not work for everyone — if the system cannot read your ID clearly or match your face, you may be asked to do a video call instead.

Some banks also send a code to your phone or email and ask you to enter it on the process form. This confirms that you control that phone number or email address. If you are opening an account in a state where you do not currently live, the bank may ask extra questions or require a video call.

Banking history checks and why they matter

When you explore, the bank will check your history with other banks using a service called ChexSystems or Early Warning Services. These are databases that record closed accounts, overdrafts you did not pay back, and fraud. If you have never had a bank account before, this check will show nothing — that is fine. If you closed an account badly or were flagged for fraud, the bank may deny your process or ask you to explain what happened.

If you are denied, you have the right to know why. The bank must tell you which database they checked and give you contact information so you can see what is in your file. You can dispute incorrect information. Some banks specialize in second-chance accounts for people with negative banking history — they charge higher fees but will work with you.

Minimum deposits and account funding

Some banks require you to deposit money when you open the account — often $25 to $100, though some require more. Others have no minimum. Check the bank's website before you explore so you know what to expect. If you do not have money to deposit right away, look for a bank with no opening deposit requirement.

Once your account is open, you can fund it by linking another bank account and transferring money, using a debit card, or depositing a check through the bank's mobile app if they offer mobile deposit. Some banks also let you set up direct deposit from your employer before you have any money in the account. If you are transferring from another bank, the money usually arrives within one to three business days.

What happens if you do not have an ID or Social Security number

If you do not have a government-issued ID, most online banks cannot open an account for you — they need to verify your identity, and an ID is the standard way to do that. However, some credit unions and community banks will open accounts for people without an ID if you come in person with alternative documents like a passport from another country, a tribal ID, or a letter from a government agency. Call ahead and ask what they accept.

If you do not have a Social Security number but have an ITIN (a number the IRS issues to people who file taxes but are not may be able to access for a Social Security number), most banks will accept that instead. If you have neither, some banks will still work with you, but the process is slower and usually requires a visit to a branch. Community banks and credit unions are often more flexible than large national banks on this.

How long approval takes and what to expect next

After you submit your process, the bank reviews it — this can take anywhere from a few minutes to several business days. Some banks tell you when ready whether you are approved. Others send an email or letter within one to three business days. Once you are approved, your account number and routing number are usually available right away, even if your debit card has not arrived yet.

Your debit card will arrive by mail within 7 to 10 business days in most cases. Until it arrives, you can still use your account — you can set up direct deposit, transfer money in, or use your account number to pay bills online. Some banks let you use a temporary digital card in their mobile app before the physical card arrives.

Frequently Asked Questions

What if the online process asks for information I do not have?

Call the bank's customer service line. If you do not have a piece of information they are asking for — like a middle name or a previous address — they can often waive that requirement or help you find an alternative. Do not guess or make something up, because it will not match the bank's records and your process will be denied.

Can I open an account if I have been denied before?

Yes. Banks have different standards, and one bank's denial does not affect your ability to open an account elsewhere. If you were denied because of ChexSystems, ask the bank which item in your file caused the denial, then look for a bank that specializes in second-chance accounts. If you were denied for another reason, try a different bank or call and ask what you can do differently.

Do I need a permanent address to open an account online?

Most banks require a current mailing address because they need to send your debit card and statements. If you are homeless or do not have a permanent address, some banks will accept a shelter address, a trusted friend's address, or a PO box. Call ahead and explain your situation — many banks have options you would not know about otherwise.

What if my video verification fails?

If the automated system cannot read your ID or match your face, the bank will usually offer a video call with a person instead. This takes a few extra minutes but works more reliably. If that also fails, ask the bank whether you can visit a branch in person to finish the process.

Can someone else open an account for me?

No. You must verify your own identity and sign the process yourself. No one can open a bank account in your name without your direct participation. If you need help understanding the process, a bank employee can walk you through it, but you have to be the one doing it.