What you need to open a checking account | Apply online | U.S. Bank (2024)

FAQs

What do you need to open a US bank account online? ›

Typically, you'll need to provide a government-issued ID, Social Security or taxpayer identification number, and proof of address. Remember, if you're opening a joint account, the other account holder will need to supply the same documents.

Requirements for opening a checking account generally include a valid, government-issued photo ID such as a driver's license, state ID or passport. You'll also need basic personal information, such as your birthdate, Social Security number, taxpayer identification number or phone number.

Consumers can open checking, savings and money market accounts online without having to visit a bank branch or make a phone call. Decide which bank to do business with, then choose the account type to open by comparing features.

While just your passport and proof of address are needed for the application process, you will need to provide additional documents afterwards. These include: Taxpayer document – for non-US citizens, you need to submit a completed W-8 BEN form. US citizens must submit a completed W-9 form.

The financial institutions we recommend with bank accounts that are simple and quick to open online include Discover® Bank, SoFi®, U.S. Bank, and Bank of America. We especially like how Discover and SoFi® stand out from the crowd with their focus on online and mobile banking.

If you're opening an account for the first time, you'll want to do it in person at a credit union or bank branch. You'll probably have questions when filling out the application, and appreciate having someone nearby to help you. If you've already opened an account or two, you'll want to open your new account online.

To open a bank account, you'll need to first choose a bank and provide it with some necessary information, including your identification and proof of address. You'll usually need to be 18 to meet the bank's eligibility requirements. Finally, you might need to fund the account or have a minimum balance to avoid fees.

What do I need to apply for a bank account? ›

All banks require proof of identification (ID) to open an account. They will likely require specific forms of ID. Save yourself the headache of multiple trips to the bank and make sure you bring the essential documents. Required ID is important, because the bank needs to verify your name, date of birth, and address.

To open a checking account, you must provide government-issued identification with your photo, your Social Security card or Taxpayer Identification Number, and proof of your address.

Can a non-citizen open a bank account in the U.S.? Yes, non-U.S. citizens can open a bank account in the U.S. When you open a bank account at Bank of America, you'll need to provide two forms of identification, a tax identification number and documents that show proof of both a foreign and U.S. address.

No, you do not need an SSN to open a bank account in the United States.