Choose a bank or credit union
Gather required identification and personal information
Decide whether to open the account online, in person, or by phone
Complete the application form
Provide your Social Security number or Tax Identification Number
Provide your address, date of birth, and contact information
Fund the account with the minimum opening deposit, if required
Review the account terms, fees, and overdraft policies
Submit the application
Activate debit cards and online banking after approval