BankingUS

How to Open a US Bank Account

Prepared by the BankingUS Editorial Team. Last reviewed October 25, 2026. How we review

Most banks ask for a government-issued ID, a Social Security number or Individual Taxpayer Identification Number, proof of address and an opening deposit. Many accounts can be opened online or at a branch. Compare monthly fees, minimum balances and ATM access first, and confirm the institution is FDIC-insured or NCUA-insured.

Verify with official sources

Start with the FDIC and confirm details with your provider.

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