What Do You Need to Open a Bank Account?

Read Time: 4 Min

When opening a bank account, typically documentation and proof of identity are needed to get the application and review process started.

two friends research what is needed to open a bank account

First, you will need to select a bank, which can seem intimidating given the number of options out there.

Second, whether you apply online or in person, you will need to provide documentation to confirm your identity (see Acceptable Forms of ID for Banks below). And third, you may be required to make an initial deposit into the bank account depending on the requirements of the bank and that specific account (see Requirements to Open a Bank Account below).

With a parent or guardian co-signer or joint account holder, minors and teenagers can also have access to a Huntington checking or savings account. Be sure to check with your financial institution to verify the documentation that will be needed to open an account. Additional documentation may be required if you’re looking to open a business account or certain types of investment accounts.

Acceptable Forms of ID for Banks

Most banks request two forms of government issued ID. Generally, the phrase “government issued ID” covers the following types of ID:

  • Driver’s license
  • REAL ID card
  • DoD ID card (also known as Department of Defense ID Card)
  • Passport/Passport card
  • Social security card
  • Birth certificate

Financial institutions that require two forms of ID may want at least one of the IDs to be a photo ID. If you don’t have two of these documents, contact your bank and ask them what you need. There may be alternatives.

Requirements to Open a Bank Account

In addition to having two forms of ID and money for the initial deposit, there may be other requirements to open a bank account.

  • If you’re worried about your credit score, ask the bank whether or not they will pull your credit history to open a checking account. This can vary from bank to bank.
  • If you’re under 18 years old, you will need a parent or guardian over 18 to open the account with you.
  • If you’re a parent and want to open a bank account for your child or teenager, your qualifications may need to be approved to open the account. You should be aware that banks may review your prior banking history, looking for overdrawn accounts, fraud, and other behaviors that indicate negative financial history.
  • If you’re opening a joint account, you will need to provide documentation to confirm the identity of each person listed as an account holder and a signature from each of them. It’s best to get everybody together in one place to complete the application.

Every bank has different application requirements to open an account. As a tip, it’s important to monitor your credit score, pay your bills on time, and not overextend your or your family’s budget to help maintain healthy finances.

How Much Money Do You Need to Open a Bank Account?

The simple answer, it can vary from bank to bank. It can also depend on the bank account type.

At Huntington, all three of our checking accounts have a no minimum deposit requirement to open. However, in two of our checking accounts, you will need to keep a certain balance threshold, so maintenance fees can be waived and to become eligible to receive more competitive rates.

Savings and investment accounts have different application and balance requirements. To learn more, check out our different types of savings accounts to get specific information. Huntington offers a variety of accounts to help everyone reach their financial goals.

If you open an account with Huntington, you can take advantage of The Hub, our digital banking tools that can help you manage your finances.

Open a Huntington Checking Account

If you want a basic checking account with no monthly maintenance fee or an interest-earning checking account, we've got the option that's right for you.

Learn More

If you’re looking to open a checking or savings account or need help finding what account is best for you, talk to a Huntington banker today. We’re ready to help. Are you ready to open a Huntington bank account? Apply online or visit your local Huntington branch today!

Related Content

a young man researches how to open a checking account on his laptop

How to Open a Bank Account

Huntington explains how to open a bank account online and in a branch and how long it takes to open a bank account.

Read more
a man looks up a routing number on his computer

How to Find Your Bank Routing Number With & Without A Check

Have you ever wondered how and where you can find your routing number? We detail four ways, include with or without a check, to find your routing number.

Read more

Sarita Harbour, “Why Banks Run a Credit Check when You Open a Checking Account.” Go Banking Rates. August 30, 2016.