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what do you need to make a bank account

To make (open) a bank account, you usually need to prove who you are, where you live, and put in at least a small first deposit.

Basics first

Most banks require that you:

  • Are above the minimum age (often 18; some places 19, and minors usually need a parent/guardian on the account).
  • Have valid identification and contact details so they can verify you and meet legal rules against fraud and money‑laundering.

Think of it as: the bank wants to know “Who are you?” “Where can we find you?” and “Whose money is this?”

Documents you usually need

While details vary by country and bank, this is the typical checklist:

  1. Government‑issued photo ID (must be current).
 * Driver’s license.
 * State or national ID card.
 * Passport or military ID.
  1. Personal identification number (for tax and reporting).
 * In the U.S.: Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
 * Elsewhere: national ID/tax number, as required by local law.
  1. Proof of address showing your name and current address.
 * Utility bill (recent).
 * Lease or rental agreement.
 * Mortgage or bank statement.
  1. Contact details.
 * Mobile phone number.
 * Email address.
  1. Initial deposit (if the bank requires one).
 * Some accounts let you open with no minimum.
 * Others might require something like 25–100 units of your local currency.

Quick example: To open a simple checking account in the U.S., an adult will usually show a driver’s license, provide SSN, show or type in their address, and transfer a small amount as the first deposit.

Extra notes: online vs. in‑branch

  • Online account opening
    • You type in your ID numbers, personal details, and fund the account using a card or another bank.
* Some banks may ask you to upload photos of your ID.
  • In‑branch opening
    • You bring your physical ID(s) and proof of address, fill out forms, and hand over or transfer the opening deposit.

Both routes follow the same core rule: verify identity, address, and eligibility.

If you’re a minor or non‑resident

  • For a child/teen account
    • A parent/guardian usually must be on the account.
    • You may need the child’s birth certificate and SSN (or local equivalent), plus the adult’s ID and proof of address.
  • For non‑residents or international students
    • You may need to go in person.
    • Common requirements: passport, visa, proof of local address, SSN/ITIN or similar, or sometimes a special tax form if you do not have a local tax ID.

Simple step‑by‑step flow

  1. Choose account type (checking/current vs. savings, fees, and features).
  1. Check the bank’s exact list of required documents.
  2. Gather ID, proof of address, and tax/ID number.
  3. Apply online or visit a branch.
  4. Fund the account with the opening deposit, if required.

Bottom note: Information gathered from public forums or data available on the internet and portrayed here.