How to Open a Bank Account Online
Open a new checking or savings account from your computer or phone without visiting a branch.
Steps
- 1
Choose a bank
that fits your needs. Compare fees, minimum balance requirements, and ATM access.
- 2
Go to the bank's website
and click "Open an Account" or "Apply Now." The application form opens.
- 3
Choose the account type
you want. Most banks offer checking accounts for daily use and savings accounts for growth.
- 4
Enter your personal details
including your name, address, date of birth, and Social Security number.
- 5
Fund your new account
by transferring money from another account. Many banks require a minimum deposit.
Frequently Asked Questions
What do I need to open an account online?Show
You need a government ID, your Social Security number, and a way to fund the account like another bank account.
Is it safe to open a bank account online?Show
Yes. Banks verify your identity and use encryption. Look for FDIC insurance to protect your money up to $250,000.
How long does it take to open an account?Show
Most applications take about 10 minutes. The bank may take one to two business days to verify your information.
Can I open a joint account with another person?Show
Yes. You need the other person's personal details and ID. Both of you may need to sign the application.
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Written by the HowToDoStuff.online editorial team. Last updated .