Choose a bank or credit union
Check the account types they offer
Gather required documents
Provide proof of identity
Provide proof of address
Provide your Social Security number or tax ID if required
Decide on an initial deposit amount
Apply online, in person, or by phone if available
Complete the application form
Review the account terms and fees
Submit your application
Fund the account
Set up online banking
Order a debit card or checks if needed
Activate the account once approved