Once you’re approved, you’ll want to put some money in your new account. If you’re not approved, you might have to go into the branch to finish the process. You can always sign in later to check on the status of your application or call the bank if you have questions. Some banks will tell you if you’re approved right away, while others might take a bit longer. In some cases you’ll have to answer a few legal questions then check a box that lets the bank collect information about you and your credit. Sometimes, submitting your application will automatically begin the approval process, but some banks might ask you to review disclosures and privacy policies first. Agree to let the bank collect some information.You might also set up your username and password and create security questions to help protect your account. Next, you’ll enter all of your personal information. Do you want an individual account or do you want to open a joint account online? Do you want things like overdraft protection and the ability to earn interest? From checking and savings accounts to CDs and IRAs, there are many types of accounts you can open online. Most banks let you compare different kinds of accounts to help you decide. Find the link to "open an account." (Scroll down the homepage to the site map if you’re having trouble finding the link.) Stay safe! Any time you’re entering personal information online, take extra care. Once you have that ready, here’s how to open a bank account online: A blank check, debit card or credit card to make that first depositĪnd you’ll usually need an email address, mailing address and a phone number.Social Security number or Individual Taxpayer Identification Number (ITIN).Your driver’s license, passport or other government-issued ID card.5 So it’s helpful to have the following things handy: But all banks are required to verify your identity. The application process will vary from bank to bank. If you’re under 18, you may need a guardian to co-sign the account. Once you’ve decided which bank you want to use, it’s time to fill out your application online.
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