Choose the type of account you need: checking, savings, or both
Select a bank or credit union that fits your needs
Check the bank’s account opening requirements
Gather required documents
Provide a government-issued photo ID
Provide your Social Security number or ITIN if required
Provide proof of address if required
Provide your date of birth and contact information
Fund the account with the minimum opening deposit if required
Apply online, in person, or by phone if allowed
Review and accept the account terms and fees
Wait for account approval
Deposit money into the account
Set up online banking and mobile banking
Order checks or a debit card if needed