- When you visit the bank you will be asked to fill out an application for the checking account. Provide your full name, date of birth, address and phone number. The bank representative then will make a copy of the application for your records. Keep a copy of the application form for your records, at least until you receive your checks and official account documents.
- Proper identification is required to open a new checking account. The bank will ask to see a photo ID such as a driver's license or a passport to open the account. If you open your bank account in person, the bank representative will take your ID and make a copy for bank records. If you open your account online, enter your driver's license or passport number to complete the application.
- Once the checking account application is approved, you will receive your official account number and a set of starter checks. The starter checks contain the routing number of the bank, as well as your checking account number. These starter checks do not, however, include your name and address. Some businesses do not accept starter checks as payment, so always ask before you write a check. After a week or two you should receive your permanent checks. You should then shred the remaining starter checks.
- Part of the account opening process is filling out the official signature card from the bank. The signature card is used to verify your identity when you withdraw money from the account or write a check for payment. If you open the checking account in person, the bank official will hand you a signature card to fill out. If you open your account online you will receive a blank signature card when you get your account documents in the mail. Sing the signature card and return it to the bank to complete the account opening process.
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