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Mar 21, 2024 · When you’re ready to open an account, visit the bank’s website and look for an “open an account” or “get started” button—this should lead you to an online application.
- Theresa Stevens
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How to open a checking account online. Even though each financial institution may differ, there are a few basic steps you’ll need to follow to open a checking account online. Compare and select the account type. The first step in opening a checking account online is to choose the type of account you want to open and compare it to others.
- Gather your identification documents. What’s required to open a checking account is probably right at your fingertips. If you open it in person, you’ll likely need two forms of ID (such as a driver’s license, Social Security card, passport or birth certificate) and proof of address (by way of a utility bill, mortgage statement, lease or similar document).1.
- Explore low- or no-fee accounts. Some banks charge monthly service fees, maintenance fees, low-balance fees and ATM fees. If you’d rather avoid these charges (who wouldn’t?)
- Find features that fit your lifestyle. Everyone’s banking needs are a little different, so think about your lifestyle and what you need your checking account to handle.
- Earn a little interest. Besides avoiding fees, you could actually make a little money just for keeping your cash in a checking account that earns interest for you.
- Choose the checking account. Fees, features and ways to access your money can vary by checking account. Whether you open an account with an online-only bank or with a brick-and-mortar bank via its digital platform, compare costs and features ahead of time.
- Gather your personal information. You’ll generally need some documentation to open a checking account online, and for joint accounts, you’ll need the second person’s information too.
- Fill out and submit the application. Applying to a new bank requires you to provide personal information. Using a secure internet connection, provide the details asked for on the application, which can include
- Fund your account. Banks typically require a minimum opening deposit, such as $25 or $100, though some banks have no minimum. A minimum opening deposit isn't the same thing as a minimum balance requirement, which is usually the amount you need to keep in a bank account to avoid a monthly fee, if applicable.
Banking basics. How to open a checking account: A step-by-step guide. 4 minute read. A checking account is typically used for everyday transactions and purchases. With a checking account, you can deposit and withdraw money (either through the bank or an ATM ), write checks, pay bills, and make purchases with a debit card.
2 days ago · Show More. 🤓 Nerdy Tip. When shopping for a checking account, consider factors such as monthly fees, interest rates, overdraft policies, ATM fees and access to customer service. Make sure that...
