The documents you'll need depend on the bank and the account type, but most require proof of identity, proof of address, and tax identification for both account holders

Every bank has its own document checklist, but the core set is consistent: each person opening the account needs to prove who they are, where they live, and their tax ID. Some banks ask for more—employment verification, proof of income, or documentation of the relationship between account holders. The fastest way to know exactly what your bank wants is to call the branch or check their website before you go in, because showing up without the right papers means a wasted trip.

The documents listed here are what most major banks request. Credit unions and smaller regional banks sometimes ask for less. Online banks often have different requirements than branches—some will let you upload documents, others require you to mail originals. Start by checking with the specific bank where you want to open the account.

Key Takeaways

  • Both account holders need a government-issued photo ID, a recent utility bill or lease showing current address, and a Social Security number or tax ID number.
  • Banks verify identity through the ID and address documents; they cross-check the tax ID against federal records to prevent fraud.
  • Some banks require proof of income or employment, especially for accounts with overdraft protection or high transaction limits.
  • Call your bank before visiting to confirm which documents they accept and whether you can submit them online, by mail, or only in person.

Government-issued photo ID for each account holder

Both people opening the account must bring a current, valid photo ID. A driver's license is the most common choice. A passport, state ID card, or military ID also works. The ID must not be expired—banks will not accept an expired license even if it is only a few months past the expiration date.

The bank will copy or scan the ID to verify your identity and check against fraud databases. If you do not have a driver's license, a passport is the next standard option. Some banks will accept a tribal ID or a consular ID if you do not have a U.S. passport, but call ahead to confirm.

Proof of current address for both account holders

You need a document showing your name and your current address. A utility bill (electric, gas, water, internet) dated within the last 60 to 90 days is the standard. A lease or mortgage statement works too. Some banks accept a recent bank statement or credit card statement with your address printed on it.

The address on this document must match the address you give the bank when you open the account. If you recently moved and your ID still shows your old address, bring both the old ID and a new address document—the bank will update your address in their system. A P.O. box does not count as proof of residence; you need a physical street address.

Social Security number or tax ID for each account holder

The bank will ask for your Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN). They use this to verify your identity against IRS records and to report account activity to the IRS. You do not bring a physical document—you straightforward provide the number verbally or write it on the account process form.

If you do not have a Social Security number, an ITIN serves the same purpose. If you have neither, some banks will not open an account for you; others have alternative processes. Call your bank to ask whether they can work with you if you do not have an SSN or ITIN.

Employment or income verification (sometimes required)

Some banks ask for proof of income or employment, particularly if you are opening an account with overdraft protection, a debit card with a high daily limit, or a checking account that comes with credit features. A recent pay stub (usually from the last 30 days) is the most straightforward document. A letter from your employer on company letterhead stating your position and salary also works.

If you are self-employed, a recent tax return or profit-and-loss statement may be required. If you receive income from Social Security, unemployment, or disability, bring a recent statement from that program. Not all banks require this; online banks and some regional banks skip it entirely. Ask when you call to confirm what your bank needs.

Documentation of the relationship (rarely required, but sometimes asked)

A few banks ask for proof that the two account holders have a legitimate reason to share an account—particularly if the account holders have different last names or if one is significantly older than the other. This is less common than it used to be, but it still happens. A marriage certificate, domestic partnership certificate, or a document showing a shared address (like a joint lease) can serve this purpose.

If a bank asks for this and you do not have formal documentation, explain your relationship to the bank representative. Many banks will proceed without it once you confirm verbally that you both want the account. If a bank refuses to open the account without proof of relationship, that is a sign to consider a different bank—this requirement is outdated and not standard practice.

What to bring in person versus what you can submit online or by mail

If you are opening the account at a physical branch, bring originals of your ID and address proof. The bank will copy them. Do not send originals by mail unless the bank specifically asks you to.

If you are opening the account online, the bank will ask you to upload photos or scans of your documents. Make sure the images are clear, show the full document, and are in a format the bank accepts (usually PDF or JPG). Some online banks will then ask you to verify your identity through a video call with a representative, who will ask you to show your ID on camera.

A few banks require both account holders to be present in person. Others allow one person to open the account and the second person to be added later by mail or online. Check with your bank about their specific process before you schedule a visit.

Frequently Asked Questions

Can I open a joint account if one person does not have a Social Security number?

Some banks will open the account if one person has an ITIN instead of an SSN. Others require both account holders to have either an SSN or ITIN. A few banks will not open a joint account unless both people have an SSN. Call your bank to ask whether they can work with an ITIN before you go in.

What if my address on my ID does not match my current address?

Bring both your ID and a recent document showing your current address. The bank will use the ID for identity verification and the address document to update your address in their system. You do not need to renew your ID first.

Do both account holders have to be present when we open the account?

Most banks require both people to be present in person at a branch. Some online banks allow one person to open the account and add the second person later by mail or online. A few banks require both people to be present for any account type. Ask your bank about their policy when you call.

What if I do not have a utility bill for proof of address?

A lease, mortgage statement, recent bank statement, or credit card statement with your address on it will work. Some banks also accept a government letter (like a tax return or benefits statement) with your address. Call your bank to ask which documents they accept before you visit.

Can I open a joint account online, or do I have to go to a branch?

Many online banks and some traditional banks let you open a joint account entirely online by uploading documents and verifying identity through video. Others require at least one person to visit a branch in person. Check your bank's website or call to find out their process.