The documents you'll need depend on the bank and the type of account, but most banks want proof of who you are and where you live

Almost every bank will ask for a government-issued photo ID and proof of your current address. Beyond that, requirements vary. Some banks ask for a second form of ID. Some want your Social Security number or Individual Taxpayer Identification Number. A few banks have different rules for different account types — a savings account might need less than a checking account, or an account for someone under 18 might need a parent or guardian present.

The best move is to call or visit the bank you're interested in and ask what they need before you go in. That way you won't make a trip and find out you're missing something. If you don't have all the standard documents, ask what alternatives they accept — many banks have options for people without a typical ID or address.

Key Takeaways

  • A government-issued photo ID and proof of your current address are the documents almost every bank requires.
  • Your Social Security number or ITIN (Individual Taxpayer Identification Number) is usually required, but some banks have workarounds if you don't have one.
  • Different banks have different rules, so calling ahead saves you a trip and tells you exactly what to bring.
  • If you lack standard documents, ask the bank what alternatives they accept — many have options for people in your situation.
  • Bring originals or certified copies, not photos of documents, unless the bank specifically says otherwise.

Government-issued photo ID: what counts

A driver's license or state ID card is what most banks prefer. If you don't have either, a passport works. Some banks also accept a passport card, a tribal ID, or a military ID. The ID needs to be current — expired IDs are usually not accepted, though some banks will take an expired ID if it's recent and you bring a second form of ID as well.

If you don't have a government-issued photo ID at all, ask the bank what they'll accept instead. Some will take a combination of documents — for example, a birth certificate plus a utility bill plus a school ID. Others have specific programs for people without traditional ID. Don't assume you can't open an account; just ask what your options are.

Proof of address: documents that work

The bank needs to know where you live. A recent utility bill (electric, gas, water, or internet) is the most common proof. A lease or mortgage statement works too. Some banks accept a bank statement from another bank, a government benefit letter, or a recent piece of mail from a government agency.

The document usually needs to be from the last 30 to 90 days — check with your bank on the exact timeframe. If you don't have a utility bill in your name, a lease, or a mortgage, ask what else the bank will take. Some accept mail from an employer, a school, or a government office. If you're homeless or living with someone else, tell the bank that — they often have options you wouldn't think to ask about.

Social Security number or ITIN

Most banks will ask for your Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN). They use it to check your banking history and to report interest you earn to the IRS. If you don't have an SSN or ITIN, tell the bank. Some will open an account without one, though you may face limits on what you can do with the account or higher fees.

If you're not a U.S. citizen and don't have an ITIN, you can get one from the IRS. The process takes time, so if you need a bank account soon, ask whether the bank will open one while you're waiting for your ITIN number. Some banks have specific programs for immigrants and people without an SSN.

What to bring in person versus what you can do online

If you're opening an account in person at a branch, bring the original documents or certified copies. Don't bring photos of your ID or address proof — banks need to see the real thing. The bank will usually make a copy for their records.

If you're opening an account online, the bank will ask you to upload photos of your documents. They'll tell you exactly what angle and lighting they need. Some online banks also do a video call where you hold up your ID to the camera so they can see it in real time. Follow their instructions exactly — if the photo is blurry or cut off, they'll ask you to try again.

Documents for joint accounts or accounts for minors

If you're opening a joint account with someone else, both of you need to bring ID and proof of address. You'll both sign the paperwork. If one person doesn't show up, most banks won't open the account.

If you're opening an account for someone under 18, a parent or legal guardian usually needs to be present with their own ID and proof of address. The young person also needs an ID — a school ID, passport, or state ID card usually works. Some banks have special youth accounts with different rules, so ask what they offer for minors.

What happens if you don't have standard documents

If you're missing one of the usual documents, don't give up. Banks have seen this before. Tell them what you do have. You might bring a combination of things: a school ID plus a utility bill, or a passport plus a letter from your employer, or a birth certificate plus mail from a government office. Banks have flexibility here, especially if you're opening your first account.

If a bank turns you down, try another one. Different banks have different policies. Credit unions sometimes have more flexible rules than large banks. Community banks often work with people who are new to banking or who don't have typical documents. A local nonprofit that does financial education might also know which banks in your area are easiest to work with.

Frequently Asked Questions

Can I open an account with an expired ID?

Some banks will accept an expired ID if it's recent and you bring a second form of ID. Others won't. Call the bank first and ask — don't assume you're turned down until you know their specific rule.

What if I don't have a utility bill in my name?

Ask the bank what else they'll take for proof of address. Lease agreements, mortgage statements, bank statements, government benefit letters, and employer mail all work at many banks. If you're living with family or friends, explain that and ask what documents they can work with.

Do I need to bring originals or can I bring copies?

Bring originals or certified copies. Banks need to see the real document to verify it's genuine. They'll make a copy for their records. If you're opening an account online, upload clear photos instead.

What if I don't have a Social Security number?

Tell the bank. Some will open an account without one, though there may be limits or higher fees. If you're waiting for an ITIN, ask if they'll open the account while you're in the process of getting it.

Can someone else open an account on my behalf?

No. Banks require the person opening the account to be present in person or to verify their identity online themselves. You can't send someone else with your documents.