Skip to main content

What do you need to open a bank account?

minute read

    When opening a bank account online or in-person, you may need to provide the bank, credit union, or financial institution with specific documentation or meet specific eligibility requirements. Certain types of accounts such as a child’s first savings account or a student checking account, may have age requirements or may require additional documents. It’s important to understand what is needed to open a bank account.

    In addition to documents that verify your identity, age, or address, you may also need to provide a minimum initial deposit when opening a bank account. A minimum initial deposit is an amount of money required by the bank upfront when opening a checking account, savings account, or certificate of deposit.

    What do I need to open a bank account?

    There are a few documents you'll need to open a bank account online or in-person. Banks and other financial institutions may have different requirements for opening a bank account. If you're a U.S. citizen or non-U.S. citizen residing in the U.S., here’s a list of a few documents you may need to open your account. However, check with your financial institution to determine what documents you'll need.

    What documents do you need to open a bank account?


    This could be a valid:

    • Passport w/photo
    • Driver’s License Or State ID w/photo (U.S.)
    • Social Security Card
    • Birth Certificate (minors only)

    For Chase specific identification requirements, get the full detailed list here: Acceptable Forms of ID (PDF).

    Proof of Address:

    It must show your name and address of your residence. This could be a current and valid:

    • Mortgage document
    • Utility bill, bank statement or credit card statement

    How to open a new bank account

    You may open a bank account through some of the following steps:

    1. Choose a bank: You may want to consider the features, benefits, perks, ATM locations, and types of accounts offered by your choice of bank as well as any applicable monthly service fees and other fees that may apply before opening your bank account.
    2. Confirm eligibility requirements: Confirm the bank or credit union’s eligibility and age requirements for opening a savings or checking account. For example, you usually need to be at least 18 years old to open a checking account and some banks may require a parent or guardian to be part of the process of opening a student checking account. If you are applying for a child’s first savings account or student checking account some banks require both people to be present with their necessary documents.
    3. Choose the right accounts for you: Before the application process, you can usually specify what types of products you’d like, such as a checking account, savings account, or both. It’s a good idea to read over the account materials and be sure to familiarize yourself with the account features.
    4. Confirm deposit requirements: If the bank has a minimum opening deposit requirement, you may need to provide the deposit at the time of applying.
    5. Start the application at your bank: Once you have chosen a bank or credit union, and the type of account, go to their local branch or online site to learn more about their application process and what to bring to open a bank account.

    Not a customer yet?

    What to read next