Yes, you can open most bank accounts entirely online, but not all banks offer it the same way
Many banks let you start an account from your computer or phone without visiting a branch. You'll upload documents, verify your identity, and fund the account — all remotely. However, some banks still require you to come in person, and a few require an initial deposit before they'll let you open the account online. The process usually takes a few minutes to a few hours, depending on the bank and how quickly their system verifies who you are.
The main catch is that you need to be able to prove your identity. Banks use different methods: some take a photo of your ID and a selfie, some use third-party verification services that check public records, and some ask you to answer security questions based on your financial history. If you don't have an ID, or if the bank can't verify you remotely, you'll need to go to a branch.
Key Takeaways
- Most major banks and many smaller banks let you open a checking or savings account online without visiting a branch.
- You will need a government-issued ID, a Social Security number or tax ID, and proof of your current address to open an account online.
- The bank will verify your identity using photos of your ID, a selfie, public records, or security questions — the method varies by bank.
- Some banks require an initial deposit before opening the account; others let you open it first and deposit money later.
- If the bank cannot verify you online, you can usually complete the process in person at a branch instead.
What documents and information you need before you start
Have these items ready before you begin: a government-issued photo ID (driver's license, passport, or state ID card), your Social Security number or Individual Taxpayer Identification Number (ITIN), and proof of your current address. Proof of address can be a recent utility bill, lease, mortgage statement, or government mail with your name and address on it — usually dated within the last 60 days.
You'll also need a way to fund the account. Some banks let you open it with zero dollars and add money later; others require a minimum deposit right away. If you're depositing electronically, you'll need access to another bank account or a debit card. If you're mailing a check, the bank will give you instructions after your account opens.
If you don't have a government ID yet, you cannot open an account online. You'll need to visit a branch in person with whatever ID you do have — a state ID office can help you get a government-issued ID if you need one.
How the identity verification process works
Banks verify who you are using one of three main methods. The first is document and photo verification: you photograph both sides of your ID and take a selfie, and the bank's system checks that the face in the selfie matches the face on your ID. This usually takes a few minutes.
The second method is third-party verification. The bank sends your information to a company that checks public records — things like your address history, previous addresses you've lived at, and sometimes credit bureau data. The system asks you questions like "Which of these addresses have you lived at?" or "In what year did you open your first credit account?" You answer based on your own history, and if your answers match the records, you're verified. This can take anywhere from a few minutes to a few hours.
The third method is a combination: some banks use both document verification and public records checks to be extra sure. A few banks also offer video verification, where you talk to a person on camera who watches you show your ID and answer questions.
If the system cannot verify you — for example, if you have very little credit history, or if your ID photo is unclear — the bank will usually offer to complete the process in person at a branch instead.
Banks that let you open accounts fully online
Large national banks like Chase, Bank of America, Wells Fargo, and Citibank all offer online account opening for checking and savings accounts. Credit unions often do too, though some require you to be a member of the credit union first (which may require an in-person visit). Online-only banks like Ally, Charles Schwab Bank, and Discover Bank were built around online banking and have no physical branches, so opening online is the only option.
Community banks and smaller regional banks vary widely. Some have full online opening; others require you to visit a branch or complete part of the process by phone. When you're looking at a specific bank, check their website for "open an account" or "get your free guide" — they'll tell you whether you can do it online or need to come in.
If you're opening an account at a bank that requires a minimum deposit, that deposit usually goes in during the online process itself. You'll connect a bank account or debit card, and the money transfers when ready or within one business day.
What happens after you submit your information
Once you've uploaded your documents and answered verification questions, the bank's system processes your information. For most banks, you'll get a decision within minutes to a few hours. Some banks send you an email or text saying your account is approved and ready to use, with your account number and routing number included.
A few banks take longer — up to one business day — because they do extra checks or because a person reviews your process. If there's any issue, the bank will contact you by phone or email to ask for more information or to schedule an in-person visit.
Once your account is open, you can usually start using it right away. You can set up direct deposit, transfer money in from another account, or deposit checks using your phone's camera (if the bank offers mobile check deposit). Your debit card will arrive in the mail within 7 to 10 business days, though some banks let you use a temporary digital card in your phone while you wait.
What to do if you cannot open an account online
If the bank's verification system cannot confirm your identity, you have options. The simplest is to visit a branch in person with your ID and the same documents you would have uploaded. A banker can verify you face-to-face and open the account on the spot, usually in 15 to 30 minutes.
If there's no branch near you, call the bank's customer service number and ask if they can complete the process over the phone with a representative. Some banks will do this, though it's less common. The representative may ask you additional questions or may schedule a video call where they can see your ID.
If you don't have a government-issued ID, you'll need to get one before you can open a bank account anywhere — online or in person. Visit your state's Department of Motor Vehicles or equivalent office to explore for a state ID card. This process takes a few weeks, but once you have an ID, you can open a bank account online or in person.
Fees and account features to check before you open
Before you click "open account," read the account terms to understand what you're signing up for. Check whether there's a monthly maintenance fee, what the minimum balance requirement is (if any), and whether the bank charges you for things like overdrafts, out-of-network ATM use, or paper statements.
Also look at what the account includes: Does it come with a debit card? Can you deposit checks by phone? Are there limits on how many times you can transfer money out each month? Online banks often have no monthly fees and higher interest rates on savings accounts, but they have no physical branches. Traditional banks may charge monthly fees but offer branches and ATMs everywhere.
Read the privacy policy too — it tells you how the bank uses your information and whether they sell your data to third parties. This information is usually on the bank's website under "Privacy" or "Security."
Frequently Asked Questions
Do I need a Social Security number to open an account online?
Most banks require a Social Security number, but if you don't have one, you can use an Individual Taxpayer Identification Number (ITIN) instead. Some banks accept ITINs; others don't. Call the bank before you start to confirm they'll accept your ITIN, or ask at a branch if you prefer to open in person.
Can I open an account if I'm not a U.S. citizen?
Yes, but requirements vary by bank. You'll need a valid passport or government-issued ID from your country, a U.S. address, and either a Social Security number or ITIN. Some banks are stricter than others. Call ahead to confirm the bank you're interested in will open an account for you.
What if the bank rejects my online process?
Banks reject applications for a few reasons: the verification system couldn't confirm your identity, you have a history of fraud or unpaid accounts, or you're on a banking exclusion list. Ask the bank why you were rejected — they're required to tell you. Then you can either try a different bank or visit a branch in person to see if they'll open an account with additional verification.
How long does it take to get my debit card after I open an account online?
Physical debit cards usually arrive in 7 to 10 business days. Many banks offer a temporary digital card you can use when ready in your phone's digital wallet or online, so you don't have to wait to start using the account.
Can I open multiple accounts at the same bank online?
Yes. Once your first account is open, you can usually open additional accounts (like a second savings account or a money market account) online without re-verifying your identity. The bank already has your information on file.