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Adulting 101: How to Open a Bank Account From Home

Here's a guide.
by Arianne Merez
Apr 23, 2021
Photo/s: Shutterstock

Opening a bank account may be intimidating for those who are just starting out in the adulting world. 

But worry not, many banks nowadays allow customers to open an account from the comforts of their homes, all thanks to digital banking.

Here's a guide on how to open a bank account from home.

Choose your bank

Compare different account types from different banks first before deciding on one. Factors to consider include accessibility, the minimum balance requirement, withdrawal fees (if any), interest rates, and if you can bank online or via an app.

Apply for the account 

Once you have decided on a bank, check out the requirements for opening an account online.

Usually, banks require customers to fill up an online form to get their basic details. An e-mail confirmation containing details of what happens next is usually sent after completing the process.


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Verify your identity

Banks -- traditional and digital -- that allow online account opening usually require their customers to verify their identity by asking for a selfie as well as a photo or scan of the customer's valid ID. A passport is your best option.

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Make a deposit if needed

If the account has a maintaining balance, the bank will provide instructions on how you can make your first deposit. Digital banks however usually have no maintaining balance.


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Wait for your debit card delivery

If your bank account has a debit card, it will be delivered to you after your account application is approved. Details of the delivery are usually available in a confirmation email from the bank or via a confirmation message in the app of the bank.

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Once you receive it, follow the instructions on how to activate your card.

Start using it

Once your bank account is approved and opened, you can already start using it to make deposits, withdrawals, and other transactions. Nowadays, it's best to set up mobile banking to make bank transactions easier.

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