Yes, you can open most bank accounts entirely online without visiting a branch

Most banks and credit unions now let you open a checking or savings account from your computer or phone. You won't need to go to a physical location. The whole process usually takes 10 to 20 minutes, and you can start using the account within a day or two.

The catch is that you'll need to prove who you are. Banks do this through a combination of documents and verification steps. Some use video calls where you show your ID to a person. Others use automated systems that read your driver's license or passport. A few still require you to mail in documents or visit a branch for final approval, though this is becoming less common.

The type of account, the bank's rules, and where you live all affect what the process looks like. A large national bank like Chase or Bank of America has different requirements than a smaller regional bank or online-only bank like Ally or Charles Schwab.

Key Takeaways

  • Most banks let you start an account online using your computer or phone, with approval happening within one to three business days.
  • You will need a government-issued ID (driver's license or passport), your Social Security number, and proof of your current address to complete the process.
  • Online-only banks and credit unions often have faster approval and lower minimum balances than brick-and-mortar banks.
  • Some banks use video verification where you show your ID to a person, while others scan your ID automatically or ask you to mail documents.
  • You can usually fund your new account by transferring money from another bank, depositing a check by phone, or waiting for direct deposit to arrive.

What documents you need to open an account online

Have your government-issued ID ready — a driver's license, passport, or state ID card. The bank will ask you to enter the number and expiration date, and many will ask you to photograph both sides or submit an image file.

You'll also need your Social Security number. Banks use this to check your credit history and verify your identity against government records. If you don't have a Social Security number, some banks and credit unions will work with you using an Individual Taxpayer Identification Number (ITIN) instead, though options are more limited.

Finally, have proof of your current address. This can be a recent utility bill, lease agreement, mortgage statement, or government mail with your name and address. Some banks will accept a bank statement from another institution. If you've moved recently and don't have a document yet, a few banks will let you use a temporary address and update it later.

How the identity verification process works

Banks verify your identity in different ways depending on their system. The most common method is automated ID verification, where you photograph your driver's license or passport with your phone or computer camera. The bank's software reads the document, checks that it's real, and compares your photo to a selfie you take on the spot. This usually takes a few minutes and happens instantly.

Some banks use video verification instead. You schedule a brief video call with a bank employee or contractor. You show them your ID, answer a few questions about yourself, and they confirm your identity in real time. This typically happens within 24 hours of your request.

A smaller number of banks still require you to mail in copies of your documents or visit a branch in person to finish the account opening. This is more common at smaller regional banks and credit unions. If the bank's website doesn't clearly state that the entire process is online, call them before you start — it will save you time.

Which banks let you open accounts fully online

Online-only banks like Ally, Charles Schwab, Discover, and Marcus by Goldman Sachs handle everything digitally. They have no physical branches, so they've built their entire system around remote account opening. Most complete the process in minutes and fund your account the same day.

Large national banks including Chase, Bank of America, Wells Fargo, and Citibank all offer online account opening. However, some of their older account types or premium accounts may still require a branch visit. Check the specific account you want on their website — they'll tell you whether it's fully online.

Credit unions vary widely. Some, like Connexus and Connexus Credit Union, operate entirely online. Others require you to be a member of a specific employer or organization before you can open an account, which may involve an in-person step. If you're interested in a credit union, search for "[your state] credit unions" or use the CO-OP network locator to find one near you and ask about their online options.

How long approval takes and when you can use the account

Most banks approve your account within one to three business days. Online-only banks often approve within hours. During this time, the bank is running background checks, verifying your identity against government databases, and checking whether you have unpaid debts with other banks (through a system called ChexSystems).

Once approved, you can usually log in to your account and see your account number and routing number the same day. You can set up direct deposit or transfer money from another bank right away. However, some banks hold transferred funds for one to three business days before you can withdraw them, as a fraud precaution.

If the bank flags something during verification — a mismatch in your address, an unclear photo of your ID, or a ChexSystems issue — they'll contact you by email or phone. This can add a few days to the process. Respond quickly if they ask for more information, because some banks will close your application if you don't reply within a set timeframe.

How to fund your new account

The easiest way is to transfer money from another bank account you already have. During or right after opening your new account, the bank will ask if you want to link an existing account. You'll provide the routing number and account number from your other bank. The transfer usually takes one to three business days.

If you have checks from another account, you can deposit them by phone through most banks' mobile apps. You photograph the front and back of the check, enter the amount, and the bank deposits it. Funds typically appear within one to two business days.

You can also wait for direct deposit from your employer or a government benefit. This is free and reliable, but it means your account will sit empty until your first deposit arrives. Some banks offer a small bonus (usually $50 to $300) if you set up direct deposit within a certain timeframe, so ask about this when you open the account.

What to watch out for when opening online

Make sure you're on the bank's official website, not a phishing site. Type the bank's name directly into your browser or use the official app from the Apple App Store or Google Play Store. Don't click a link from an email or text message, even if it looks official.

Read the account terms before you finish. Some accounts have monthly fees if you don't maintain a minimum balance or set up direct deposit. Others charge for overdrafts or out-of-network ATM use. Online banks often have lower fees than traditional banks, but it's worth checking.

If you're opening an account to rebuild credit or you've had banking problems in the past, know that the bank will check ChexSystems. If you're on that list, some banks will still open an account for you, but others won't. Second-chance banking institutions and some credit unions are more flexible. If you're denied, ask the bank why — they're required to tell you.

Frequently Asked Questions

Do I need a minimum deposit to open an account online?

Most banks don't require a minimum deposit to open the account itself. However, some accounts have a minimum balance requirement to avoid monthly fees — this might be $100, $500, or $1,500 depending on the bank and account type. Online banks typically have lower or no minimums. Check the account details before you open.

What if I don't have a government ID?

You'll have a harder time opening an account online. Most banks require a government-issued ID for identity verification. If you don't have one, visit your state's DMV or passport office to get a state ID or passport. Some credit unions may work with you using alternative documents, but this is rare. Call ahead before you try.

Can I open an account if I'm not a U.S. citizen?

Yes, but you'll need an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number. Not all banks accept ITINs — you may need to call ahead or visit a branch. Some online banks and credit unions are more flexible than others. Bring your passport and any visa or work permit documents you have.

What happens if my identity verification fails?

The bank will contact you by email or phone and ask for more information. This might mean retaking your ID photo, providing additional documents, or answering security questions. Respond as quickly as you can. If you don't respond within the timeframe they give you (usually 5 to 10 days), your application may be closed and you'll have to start over.

Can I open multiple accounts at the same bank online?

Yes. Once your first account is open and verified, opening a second one is usually faster. You can often do it directly in your online banking portal without going through the full verification process again. However, some banks limit the number of accounts you can open in a short period as a fraud precaution.