Choose a Bank.

Research and choose a bank that suits your needs. Look for factors such as account types, fees, interest rates, and locations of ATMs and branches.

Visit the Bank’s Website.

Go to the official website of the chosen bank. Most major banks in the USA offer online account opening and credit card application services.

Select the Account Type.

Navigate to the section of the website that allows you to open a new account. You may be presented with various account options, including savings, checking, and more. Select the one that matches your requirements.

Gather Required Documents.

You’ll typically need to provide personal information and documents, including your Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), government-issued photo ID (like a driver’s license or passport), and proof of address (e.g., utility bill).

Complete the Application.

Fill out the online application form with your personal information, including your name, address, employment details, and financial information.

Credit Card Application. 

If you want to apply for a credit card with the same bank, you can usually do so during the account opening process. Be prepared to provide your income information, credit history, and other details.

Review and Confirm.

Review all the information you’ve entered for accuracy and ensure that you’ve read and understood the bank’s terms and conditions. Once you are satisfied, submit your application.

Identity Verification.

The bank may require you to verify your identity online. This can be done by answering security questions or by providing additional documentation.

Await Approval.

The bank will review your application and may perform a credit check for the credit card application. Approval timelines vary, but you will typically receive an email or notification with the decision.

Fund Your Account.

If your application is approved, you will need to deposit funds into your new bank account. This can usually be done via electronic transfer, check, or another method specified by the bank.

Receive Your Credit Card.

If you applied for a credit card and were approved, the bank will send your credit card to the address you provided during the application process. Please note that the specific process and requirements may vary from one bank to another. Be sure to carefully read the terms and conditions and policies of the bank you choose. Additionally, if you are not a U.S. resident or citizen, you may have additional requirements, so it’s advisable to check with the bank for their specific guidelines on account opening for non-residents or non-citizens.