How to Set Up an Online Checking Account in 5 Steps | Discover

These days, you can manage a lot of your life online. That includes managing your money. An online checking account allows you to check your balance, deposit a check, transfer funds, and authorize payments all from your mobile phone, tablet, or computer—which means you don’t have to rely on the 9-to-5 schedule of a brick-and-mortar bank. Wondering how to create a checking account online? Here’s how to set up an online checking account in five easy steps:

1. Research your options. Evaluate your options when it comes to checking account features like fraud protection, early pay, and cash back rewards—all options Discover offers through its Discover Cashback Debit account.
2. Create a profile. If you don’t already have a profile with the bank, you’ll need to create one. Choose a username and a strong password that is unique to your new online checking account.
3. Enter your personal information. Next, you’ll be asked to enter information like your social security number, address, and answers to a few security questions.
4. Pick an account type. If your financial institution has several checking account options, you’ll need to choose which type you want to open. These may include an individual checking account, a joint checking account, or a Uniform Transfers to Minors Act (UMTA) account.
5. Fund your account. Last but not least, you’ll need to transfer funds to your checking account before you can start using it. If there’s a minimum deposit, you’ll need to add that amount or more to get started. This can be done either through an electronic transfer or a mailed check.

Now that you’ve learned how to set up an online checking account, you have everything you need to get started with easy, convenient, and on-the-go banking.

00:00 How to set up an online checking account
00:27 Research your options
00:40 Create a profile
00:51 Enter your personal information
01:05 Pick an account type
01:16 Fund your account
01:32 Open a checking account today



While you’re at it, you can explore even more checking account topics:


Connect with us on social: