Choose the bank and account type (checking, savings, student, business)
Check eligibility requirements (age, residency, ID status)
Gather required documents (government-issued photo ID, proof of address, Social Security/Tax ID, phone number/email)
Decide whether you want to open online or in-branch
If opening online: visit the bank’s website/app and start the application
Complete personal details (name, address, date of birth, employment/student status)
Verify identity using the bank’s process (upload documents or use digital verification)
Choose account features (overdraft options, debit card, paperless statements)
Deposit initial funds if required (cash, bank transfer, debit card funding)
Review and accept account terms and disclosures
Set up security (online banking username, password, MFA if offered)
Select statement delivery (online statements, alerts)
Receive account confirmation and account/routing numbers
Activate your debit card (if applicable)
Set up direct deposit and bill pay (if desired)
Confirm account works by making a small transfer or deposit (if available)