Bank Appointments: Opening an Account and Other Branch Visits

Booking a branch appointment

Many banks and credit unions let you book a time with a banker through their website or app, which can be quicker than waiting at the branch. Choose the reason for the visit — opening an account, a loan or mortgage discussion, a notary service, or an account problem — so the right person is available. Some services, including opening many accounts, can also be done online.

Opening an account: what to bring

The Consumer Financial Protection Bureau (CFPB) explains that banks need to verify your name, date of birth, address and an identification number. Its checklist for opening an account says:

• The identification number is usually a Social Security number, but other numbers may be accepted, such as an ITIN, a passport number and country of issuance, or another government-issued ID number.
• Most banks and credit unions require two forms of identification. The first is typically a government-issued photo ID such as a driver’s license, U.S. passport or military ID; some accept foreign passports or consular IDs.
• The second is often a document such as a Social Security card, a birth certificate, or a bill showing your name and address.
• You will usually need money for the opening deposit; ask the bank what minimum applies.

Requirements differ between institutions, so check the bank’s website or call before you go.

Questions to ask before you open

• What are the monthly fees, and how can they be waived?
• Is there a minimum balance?
• How do overdrafts work, and what fees apply? CFPB’s bank account answers explain your options.
• How long are deposit holds?
• Are there fees for using other banks’ ATMs?
• Is the account insured (FDIC for banks, NCUA for credit unions)?

Other branch appointments

• Loans and mortgages: recent pay stubs or income records, ID, and details of debts and expenses — the lender will give you a list.
• Adding or removing an account holder: everyone involved may need to attend with ID; ask first.
• Disputes or fraud: bring statements and any receipts, and note dates and amounts.
• Notary services: many banks offer notarization for customers. See notary appointments.

Protect yourself

Banks generally don’t ask for your full password or one-time codes by text or phone. If a message about an “appointment” or “account problem” seems off, contact the bank through the number on its official website or your card. See spotting fake reminders.