Can I open a bank account online without going to the bank? Yes, you can open a bank account completely online without going to a bank branch. With a fully online bank or account, you can also do all of your account management online.
There is no need to visit a branch to open a bank account. You can open a bank account, send money and set up automatic payments right from the comfort of your home. Once you’ve signed up, just wait for your card to be mailed to you, activate your account and you’re good to go.
Although in most situations you can submit this information online, you may be asked to fax or email additional documents, such as a copy of your driver’s license, to help verify your identity. You may also need to sign a signed card so your bank can verify your card or agree to receive statements and other messages online. And if you’re not a legal adult, you’ll also need information from a co-signing parent.
How do I open an online bank account? 4 simple steps to open an online savings account
- Gather required items and information
- Social security number
- Driver’s license or state issued ID
- Contact information, including name, address, email address and phone number phone
- Note: if you are opening a joint account, you and the joint account holder must provide this information.
- Choosing a checking account: Chase offers several different checking account options. Preview them by going to the Chase website, then clicking the “Open Now” button for the account you want to open.
- Completing the Online Application: If you are an existing Chase customer, you can log in to your account and use the pre-filled application to open a new account. If you are not an existing Chase customer, complete and submit the online application.
- Fund Accounts: Chase does not require a deposit to open an account. However, you must fund your account within 60 days of opening..
Below we will describe more complete about how to to open a bank account online without go to the bank.
Can I Open A Bank Account Online Without Going To The Bank: 4 Simple Steps
After you know the answer of Can I open a bank account online without going to the bank, we enter to second part of this review. Read more below:
Choose the type of account you want
Before launching the app, you have two main decisions to make:
- Chequing, savings or else? Identify the main purpose of this new account. If you need money to pay your regular expenses, consider opening a checking account and make sure it doesn’t charge too much in fees (or you might get a waiver). If the money will be set aside for savings, make sure the account has a good interest rate. Think carefully about how you will use this new account to weigh your options.
- Single account or joint account? With an account, you are the sole owner. A joint account is an account that you share with another person, usually a family member or close friend.
If the financial institution offers multiple savings or checking accounts, compare them to see which terms and features are best for you.
Also confirm that the account will be FDIC-insured, that is, the Federal Deposit Insurance Corporation. Protect your money in the event of a bank failure. To find out if your deposit is federally insured, find your bank on the FDIC’s BankFind tool. You can also find the FDIC insurance logo on the bank’s website. (Check out the FDIC page to see how the official logo will appear.)
Credit union accounts receive equivalent protection from a separate government agency, the National Credit Union Administration. family. You can find out if a credit union is protected by looking for it in the NCUA credit union locator.
Pre-collecting your documents and personal information
This is the document you need to open an online banking account. You will also need this information for anyone who will have a joint account.
- Social security number or, for non-citizens, another identification number.
- A valid driver’s license or other government-issued identification.
- If your new account requires an initial deposit, you’ll also need your debit card information or routing and account number for another bank account you have. You can find these numbers on a check or by logging into your current account’s online dashboard.
Complete the application with your personal information
To open an online banking account, you need to provide information about yourself. Using a secure home internet connection or other trusted network, complete the application with your personal data, which may include:
- Information from items you have previously collected , including your social security number, ID, and debit card or bank account information.
- Name.
- Date of birth.
- Contact information.
- Address.
Although in most cases you can submit this information online, you may occasionally be asked to fax or email additional documents, such as a copy of your driver’s license, to help verify your identity. Some banks may require you to visit a branch to provide these documents if you have a history of checking account problems, such as work or a limited credit history.
You may also need to sign and submit a signature card or form so your bank can verify your signature or so you can choose to receive statements and other messages online. If you are not a legal adult, you will also need the co-signing parent’s information and may need to visit the branch to complete your application.
Fund your bank account online
When you open an account online, you must make an initial deposit. This usually means making a transfer from an existing account. If your bank is completely online, you can also fund it by check or money order. And if your bank has a local branch, you can also go to a branch to deposit money.
Once you’ve entered your transfer details, select an amount that meets any minimum balance or initiate a deposit request. It usually takes a few days for the funds to be processed and then you can start managing your new account.
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