What do i need to open a bank account at bank of america

• Bank accounts
• Checking accounts
• How to open a checking account online

You can apply online for a checking account if you’re 18 years or older and a legal U.S. resident. You’ll need the following information:

• Your Social Security number.
• A valid, government-issued photo ID like a driver’s license, passport or state or military ID.
• A minimum opening deposit of $25 to activate your account (once you’ve been approved). This can be paid with a credit, debit or prepaid card, a transfer from another U.S. Bank account or a transfer from another financial institution.

Checking account resources

Our featured accounts:

U.S. Bank Smartly™ Checking account

An interest-bearing checking account that’s eligible for Smart Rewards™

Monthly maintenance fee

$6.95 or $0

There are multiple ways to get the monthly maintenance fee waived.1

Safe Debit account2

A bank account minus the checks with no overdraft fees

Monthly maintenance fee

$4.95

Monthly maintenance fee can’t be waived

Want to open a checking account in person?

You can visit any U.S. Bank branch to open a checking account. You’ll still need identification and personal details, such as your Social Security number and a valid government-issued ID. You can also call a U.S. Bank representative at 800-398-0371 to ensure you have everything you need to open a checking account or other bank account.

Ready to apply?

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Disclosures

1. Members of the military (requires self disclosure) and customers ages 24 and under and those 65 and over pay no monthly maintenance fee. All others can have it waived by meeting any one of the following criteria: Have combined monthly direct deposits totaling $1,000 or more; or keep a minimum average account balance of $1,500 or more; or hold an eligible U.S. Bank credit card; or qualify for one of the four Smart Rewards™ tiers (Primary, Plus, Premium or Pinnacle).

   The average account balance is calculated by adding the balance at the end of each calendar day in the statement period and dividing that sum by the total number of calendar days within the statement period. Other fees may apply.

   Please refer to the Consumer Pricing Information disclosure for more details.

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Mobile device access fees – The U.S. Bank Mobile app is free to download. Your mobile carrier may charge access fees depending upon your individual plan. Web access is needed to use the Mobile app. Check with your carrier for specific fees and charges. Some mobile features may require additional online setup. Any fees for optional transactions will be identified during registration for these services and during their use.

Text messaging fees – For text alerts, standard messaging charges apply through your mobile carrier and message frequency depends on account settings. Check with your carrier for specific fees and charges.

Deposit products are offered by U.S. Bank National Association. Member FDIC.

Opening a bank account with Bank of America is a process that many people will be quite familiar with. For the vast majority of banks across the United States, there are requirements regarding identification documentation and address verification that are required in order to properly review the applicant. Taking the time to prepare the necessary paperwork in advance will help ensure that the application process goes as smoothly as possible. Once your identity is verified, you can quickly make your initial deposit into your new account.

Tips

• To open a bank account at Bank of America you'll need to supply your personal information, provide documentation to verify your identity and produce the minimum initial deposit.

Required Identification

In order to begin the application process, you will need to bring key identity and address verification items with you to your local bank branch. These include your Social Security number, the most current residential address you have on file, as well as an email address where you can be reached. If you are using a co-applicant for the bank account (for example, if you are opening a joint bank account), you must also bring similar personal information for that individual.

Initial Deposits

Bank of America, in a similar fashion to many other banks around the country, requires a minimum initial deposit in order to activate your account. For example, the basic-level checking account offered through Bank of America requires a $25 initial minimum deposit, while the more feature-rich checking account, referred to as the Bank of America Interest Checking account, requires a minimum opening deposit of $100. As you can see, the difference between these opening deposit mandates may lead you to rethink which specific account is most conducive to your needs.

Activating Your Account

Once you have submitted the required documentation, it should take approximately one to two business days to fully open the account. All of the necessary documentation related to your account will typically be mailed to your residence within 7-10 business days. If, for any reason, you do not receive all of the supplementary paperwork related to your account, you should contact representatives from your local branch as soon as possible in order to determine whether the paperwork was mailed incorrectly or if your account or your identity have been compromised.

Maintaining Your Account

Following the initial setup process for your account, your checking account will typically be complimentary unless your total balance dips below the initial minimum deposit. With that in mind, individuals should always pay careful attention to their balance in order to ensure that their account will not be penalized by the bank.

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