How to Open a Checking Account

Looking to open a new checking account? Here’s what you’ll need to have, know, and do!

Open Account

If you’re switching accounts from another bank, here’s another great resource: How to Switch Banks – it includes a great checklist you’ll want to check out 😉.

Choosing Your Bank and Account

First, choose your bank and your account. Take a look at all of the options to choose the account that’s right for you. Look for things like minimum balance requirements, interest rates, and fees associated with the accounts to choose the best option for you!

What You Need to Open a Checking Account

There are a few things you need to open your account:

  • A government-issued ID, such as a driver’s license, passport, or state-issued ID.
  • Your date of birth
  • Physical address
  • Phone number
  • Social Security Number
  • The account and routing numbers of your existing bank account (to help fund your account)
  • Funds for an initial opening deposit, if applicable

Keep in mind, if you’re opening a joint account, you’ll need the above information for your joint owner as well!

Ways to Open a Checking Account

These days, the most common way to open your account is online or through a mobile app. Simply click on the link to open a new account on your web browser or download the IncredibleBank app to get started. Then answer the questions provided in the application.

Need assistance along the way? We have you covered! Give us a call at 1.888.842.0221 and an IncredibleBank representative can help you.

If you prefer to open your account in person and live near one of our locations, we welcome you to stop by and we’d be more than happy to help you. Be sure to bring the items listed above, and if you have a joint owner, bring them too!

How Long Does it Take to Open a Checking Account?

To open your account online, it should only take a few minutes! Give yourself about 15 minutes, but it should take less than that if you have everything you need.

How Old Do You Have to Be to Open a Checking Account?

To open account on your own, you need to be at least 18 years old. However, with a parent or guardian as a co-signer, you can open a checking account starting at age 14 (oh – and with our Chill Checking Account, we cover your Netflix®!). With a student account, you can access the account as your own, including a debit card and online and mobile banking access.

Parents can open savings accounts for their kids even younger to get started on saving for education expenses and teach kids about how to save.

Personal Checking Account Options