The documents you'll need depend on the bank, but most want the same core pieces

Every bank will ask for proof of who you are and proof of where you live. Most will also ask for a Social Security number or tax ID. Beyond that, requirements shift — some banks ask for less, some for more, and a few have different rules if you've never had a bank account before. The fastest way forward is to call or visit the bank you're considering and ask their specific list before you gather anything.

That said, if you show up with the items in this guide, you'll be ready for nearly any bank in the country.

Key Takeaways

  • You will need a government-issued photo ID (a driver's license, passport, or state ID card) and proof of your current address, such as a utility bill or lease.
  • Most banks require your Social Security number, but some banks and credit unions have alternatives if you don't have one yet.
  • If you're opening an account for a child, you'll need the child's birth certificate and your own ID and proof of address.
  • Bring originals or certified copies — banks will not accept photos of documents on your phone.
  • Some banks waive certain requirements if you open your account online instead of in person, though you may still need to verify documents later.

Photo identification: what counts and what doesn't

Banks need to see a government-issued photo ID. A driver's license or state ID card works everywhere. A U.S. passport works. A passport card works. A tribal ID issued by a federally recognized tribe works. A military ID works.

A school ID, work ID, library card, or photo on your phone does not work, even if it has your picture on it. The ID has to come from a government body — federal, state, or tribal.

If you don't have a photo ID yet, you can get a state ID card from your state's Department of Motor Vehicles. You'll need proof of your date of birth (a birth certificate works) and proof of your address. The process takes a few days to a few weeks depending on your state, so plan ahead if you're opening an account soon.

Proof of address: recent documents that show where you live

Banks want to confirm you actually live where you say you do. A utility bill (electric, gas, water, or internet) dated within the last 60 days works. A lease or rental agreement works. A mortgage statement works. A property tax bill works. Bank or credit card statements work. Government mail — tax documents, benefit statements, court papers — works.

The document needs to have your name and your current address on it. A piece of mail addressed to "Resident" or "Current Occupant" does not count. If you just moved and don't have a recent bill in your name yet, ask the bank what they'll accept — some take a signed lease, some take a utility bill in a roommate's name plus a statement from you, and some take a letter from a shelter or social service agency confirming your address.

If you live with family and your name isn't on any bills, bring a lease or written agreement signed by the person whose name is on the bills, plus your ID. Some banks will also accept a notarized letter from the person you live with, stating that you live there.

Your Social Security number or tax ID

Most banks will ask for your nine-digit Social Security number. This is how they report your account to the IRS and how they check whether you have unpaid debts or fraud on your record.

If you don't have a Social Security number, you have options. Some banks and credit unions will open an account using an Individual Taxpayer Identification Number (ITIN) instead — this is a nine-digit number the IRS issues to people who file taxes but don't have a Social Security number. You explore for an ITIN through the IRS using Form W-7.

A few banks and credit unions will open an account without either number if you're a new customer and you open it in person. Call ahead to ask — this varies widely by institution.

Information the bank will ask you to provide verbally or on a form

Beyond documents, the bank will ask you questions and write down your answers. They'll ask your full legal name, date of birth, phone number, and email address. They'll ask whether you're a U.S. citizen or permanent resident. They'll ask your employment status (employed, self-employed, retired, student, unemployed, or other). Some banks ask your annual income, though many don't.

They'll also ask the purpose of the account — whether you're opening it for everyday spending, saving, or both. This helps them recommend the right account type for you.

You don't need to memorize any of this. The bank will have a form or ask you questions one at a time, and you answer as you go.

What you need if you're opening an account for a child

If you're opening a custodial account (an account for a minor that you manage until they turn 18 or 21), you'll need the child's birth certificate and your own ID and proof of address. Some banks also ask for the child's Social Security number, though not all.

You'll sign as the custodian, meaning you have full control of the account and can withdraw money. The child's name is on the account, but they can't withdraw money or make decisions about it until they reach the age the bank sets — usually 18.

Documents to bring if you're opening an account online

Many banks now let you open an account entirely on their website or app. The process is usually faster, but you'll still need to verify who you are. Most online banks ask you to upload photos of your ID and proof of address using your phone camera. Make sure the photos are clear, show the entire document, and aren't blurry or cut off at the edges.

Some online banks use a video call instead — a bank employee watches while you hold up your ID to the camera and answer questions to confirm it's really you. A few use a third-party verification service that checks your information against public records.

Even if you open the account online, the bank may mail you a form to sign and return, or may call you to confirm information before they fully set up the account. Read any email they send you carefully — it will tell you what happens next and what you need to do.

Frequently Asked Questions

What if I don't have a current utility bill or lease?

Call the bank and describe your situation. Many accept alternatives: a letter from a shelter or social service agency, a signed statement from someone you live with, a recent tax return, or government mail like a benefit statement. Some banks also accept a cell phone bill or insurance statement if it shows your address.

Can I use a passport from another country?

No. Banks require a U.S. government-issued photo ID. If you have a passport from another country, you'll need to get a U.S. state ID card or driver's license first. You can explore at your state's Department of Motor Vehicles using your foreign passport as proof of identity.

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

Ask the bank whether they accept an ITIN (Individual Taxpayer Identification Number) instead. If they don't, try a credit union — many are more flexible. A few banks will open an account without either if you open it in person, but you'll need to call and confirm first.

Do I need to bring original documents or can I bring copies?

Bring originals or certified copies. Banks will not accept photocopies you made yourself or photos on your phone. If you don't have the original, ask the issuing agency (your state DMV, utility company, landlord) for a certified copy.

Can someone else open an account on my behalf?

No. You have to be present in person or on a video call to open an account. The bank needs to see your ID and confirm your identity themselves. If you're unable to visit a branch, open the account online instead — most banks offer this option.