Can i open a bank account online without going to the bank in usa

• Bank accounts
• Checking accounts
• How to open a checking account online

You can apply online for a checking account if you’re 18 years or older and a legal U.S. resident. You’ll need the following information:

• Your Social Security number.
• A valid, government-issued photo ID like a driver’s license, passport or state or military ID.
• A minimum opening deposit of $25 to activate your account (once you’ve been approved). This can be paid with a credit, debit or prepaid card, a transfer from another U.S. Bank account or a transfer from another financial institution.

Checking account resources

Our featured accounts:

U.S. Bank Smartly™ Checking account

An interest-bearing checking account that’s eligible for Smart Rewards™

Monthly maintenance fee

$6.95 or $0

There are multiple ways to get the monthly maintenance fee waived.1

Safe Debit account2

A bank account minus the checks with no overdraft fees

Monthly maintenance fee

$4.95

Monthly maintenance fee can’t be waived

Want to open a checking account in person?

You can visit any U.S. Bank branch to open a checking account. You’ll still need identification and personal details, such as your Social Security number and a valid government-issued ID. You can also call a U.S. Bank representative at 800-398-0371 to ensure you have everything you need to open a checking account or other bank account.

Ready to apply?

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Disclosures

1. Members of the military (requires self disclosure) and customers ages 24 and under and those 65 and over pay no monthly maintenance fee. All others can have it waived by meeting any one of the following criteria: Have combined monthly direct deposits totaling $1,000 or more; or keep a minimum average account balance of $1,500 or more; or hold an eligible U.S. Bank credit card; or qualify for one of the four Smart Rewards™ tiers (Primary, Plus, Premium or Pinnacle).

   The average account balance is calculated by adding the balance at the end of each calendar day in the statement period and dividing that sum by the total number of calendar days within the statement period. Other fees may apply.

   Please refer to the Consumer Pricing Information disclosure for more details.

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Mobile device access fees – The U.S. Bank Mobile app is free to download. Your mobile carrier may charge access fees depending upon your individual plan. Web access is needed to use the Mobile app. Check with your carrier for specific fees and charges. Some mobile features may require additional online setup. Any fees for optional transactions will be identified during registration for these services and during their use.

Text messaging fees – For text alerts, standard messaging charges apply through your mobile carrier and message frequency depends on account settings. Check with your carrier for specific fees and charges.

Deposit products are offered by U.S. Bank National Association. Member FDIC.

Opening a bank account online can be quick and easy. It can take just minutes and save you a trip to a bank branch. And if you’re opening an account at an online bank, it may be your only option. The top online banks are FDIC-insured, offer higher rates than typical brick-and-mortar banks and often charge low or no fees.

Here’s how to open a bank account online in a few steps:

1. Choose the type of account you want.

2. Collect your personal documents and information in advance.

3. Fill out the application with your personal details.

4. Fund your new account.

1. Choose the type of account you want

Before you start the application, you have two key decisions to make:

• Checking, savings or other? Determine this new account’s primary purpose. If you need the money to pay regular expenses, consider opening a checking account and make sure it doesn’t charge too many fees (or that you can get them waived). If the money will be set aside for savings, make sure the account earns a good interest rate. Carefully consider how you’ll be using this new account in order to weigh your options.

• Single or joint account? With a single account, you’re the sole owner. A joint account is one you co-own with another person, generally a family member or significant other.

If the financial institution offers multiple savings or checking accounts, compare them to see which terms and features work best for you.

Also confirm that the account will be FDIC insured, which means the Federal Deposit Insurance Corp. protects your money in case the bank fails. To find out whether your deposits are federally insured, search for your bank on the FDIC’s BankFind tool. You can also look for the FDIC insurance logo on the bank site. (Check the FDIC site to see how the official logo should appear.)

Accounts at credit unions have equivalent protection from a separate government agency, the National Credit Union Administration. You can find out if a credit union is protected by searching for it in the NCUA’s credit union locator.

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2. Collect your personal documents and information in advance

Here's the documentation you'll need to open a bank account online. You'll also need this information for anyone who will be a joint account owner.

• Valid driver’s license or other government-issued ID.

• If your new account requires an initial deposit, you'll also need debit card information, or routing and account numbers, for another bank account you own. You can find these numbers on a check or by logging into your existing account’s online dashboard.

3. Fill out the application with your personal information

To open a bank account online, you’ll need to provide some information about yourself. Using a secure home internet connection or another trustworthy network, fill out the application with your personal details, which will likely include:

• Information from the items you previously gathered, including Social Security number, ID and debit card or bank account information.

• Name.

• Date of birth.

• Address.

• Contact information.

While in most situations you can send this information online, there may be some cases where you are asked to fax or email additional documents — such as a copy of your driver’s license — to help verify your identity. Some banks might require that you come into a branch to provide these documents if you’ve had a history of checking account issues or a limited work or credit history, for example.

You might also have to sign and mail in a signature card or form so your bank can verify your signature or so you can agree to receive statements and other messages online. If you’re not a legal adult, you’ll need a parent co-signer’s information as well, and you may need to visit a branch to complete your application.

SoFi Checking and Savings

LendingClub High-Yield Savings

Citizens Online Savings Account

Min. balance for APY

$5,000

CIT Bank Savings Connect

4. Fund your online bank account

When you open an account online, you’ll need to make an initial deposit. This usually means making a transfer from an existing account. If your bank is all online, you may also be able to fund with a check or money order. And if your bank has local branches, you can also visit one to deposit cash.

Once you enter the details for the transfer, choose an amount that satisfies any minimum balance or starting deposit requirement. The funds generally take a few days to process, and then you can start managing your new account.

Frequently asked questions

What banks will let you open an account online?

You can open a bank account online with online banks as well as with national, brick-and-mortar financial institutions. Some regional credit unions and banks also allow you to open an account online.

Can I open a bank account without going into the bank?

Yes, you can open a bank account completely online, without ever going into a bank branch. With a completely online bank or account, you can also do all your account management online.

Can I open a Chase bank account online? Can I open a Bank of America account online?

Yes, you can open a Chase bank account and a Bank of America account online. Other national banks, including PNC, U.S. Bank and Wells Fargo, also offer the option to open bank accounts online.

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