Identification documents, such as a valid U.S. passport, driver's license, or state ID, are typically required.

Proof of address, such as a utility bill or lease agreement, may be required for certain account types.

Banking

United States — Banking: Required Documents

When opening a bank account in the United States, the required documents may vary depending on the type of account and the bank's requirements, but generally include identification and proof of address.

VerifiedGovernment / official sourceChecklist for opening a bank or credit union accountLast reviewed: 2026-10-22

Key facts

Identification documents, such as a valid U.S. passport, driver's license, or state ID, are typically required.
Proof of address, such as a utility bill or lease agreement, may be required for certain account types.

Steps

Step 1: Choose a Bank — Research and select a bank that meets your needs, considering factors such as fees, interest rates, and branch locations.
Step 2: Gather Required Documents — Make sure you have the necessary identification and proof of address documents, as specified by the bank.
Step 3: Apply for the Account — Fill out the bank's application form and provide the required documents to the bank representative or online.

Costs

Account opening fee: varies by bank

Timelines

Account opening time: same business day or next business day

Required documents

Valid U.S. passport
Driver's license or state ID
Utility bill or lease agreement
Social Security number or Individual Taxpayer Identification Number (ITIN)

Common mistakes

Providing expired or fake identification documents
Failing to provide proof of address for certain account types

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