How do I open a checking account?

There are several ways to open a checking account, including visiting a bank or credit union branch, or opening an account remotely through an online application.

Financial institutions such as banks and credit unions may have different requirements. Typically, individuals must be at least 18 years of age, be able to make an opening deposit and be able to present the appropriate documentation to open a checking account.

Most banks will require these documents: 

  • Valid Individual Taxpayer Identification Number (or valid Social Security Number).
  • Valid photo ID (driver’s license, state ID, military ID, or consular ID).
  • Proof of where you reside (most banks accept copies of utility and cable bills and signed rental agreements).
  • An opening deposit (opening an account online will require a debit, credit, prepaid card or transfer of funds from another account).

Before visiting the bank in-person, we recommend you visit the bank's website or call the bank to confirm your eligibility to open an account and the documents you may need. Depending on the financial institution, you may be able to open an account online.

Wondering which financial services you can access with an ITIN? Check out this article.

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