Utilizing a checking account is an important step for managing your money. It enables you to easily access, withdraw, and utilize your financials for a variety of transactions.

    Opening a checking account is typically a straightforward process. But what will you need to do to open your own checking account? We’ve created this guide to help you.

    What You’ll Need

    First, you’ll need to visit your local branch to fill out paperwork and to provide identification and documentation to open the account. Here’s a list of what you’ll need to provide:

    Photo ID

    You will be required to provide a valid, government-issued photo ID to verify your identity. This could be a driver license, passport, or state ID card.

    Personal Information

    When filling out your application for your checking account, you’ll need to provide personal information like your birthdate, phone number, and Social Security number.

    Additional Application Information

    If this is going to be a joint checking account, the personal information for the additional account owners will also need to be provided.


    Many banks will require a deposit to open the account, that way there are funds in the account from the beginning. This amount will vary between institutions, so it’s best to check before opening your accounts.

    Accessible Features

    Once you’ve opened your checking account, you’ll have access to resources and features. You’ll be able to write checks, transfer funds, utilize online and mobile banking, and much more. However, some account features may only become available to use after a probationary period has ended. For example, you may have to wait to access features like an automatic bill pay or ACH fund transfers until your account has been open for 60 days.

    With a checking account, you’ll be able to navigate money management and utilize your finances in a variety of new ways. Setting an account up doesn’t take too long, just stop by your local credit union with the required documents to get started!

    Learn more about how opening a new checking account can affect your credit score.

    Wasatch Peaks

    Written by Wasatch Peaks