Your first step is to apply for your new account. Getting a new bank account is easy as long as you have the right documents and IDs when you head to the bank. If you want an account at an online bank, it’s even easier because you can do it all from home!
To fulfill the bank’s KYC (know your customer) requirements, plan to provide your name, address, phone number, Social Security number, proof of address and at least one government-issued photo ID.
Getting a new bank account often involves a credit check and/or a check in ChexSystems, a network that banks use to track bad customers. Assuming all is well, you should get approved instantly. Then it’s time to move on to the next step: funding your new account.