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Can you open up a bank account online

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can you open up a bank account online

Central Bank offers a variety of checking accounts that fit your needs. You can open an account online or in the branch. The Select account is a bank account that's free from a monthly fee, which you can open online. It comes with access to more than you might expect. Open a Chime Spending Account, set up Direct Deposit and you're automatically eligible How do I open a mobile and online banking account through Chime?
can you open up a bank account online
can you open up a bank account online

: Can you open up a bank account online

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Can you open up a bank account online

Open a Bank Account Online

1Loans, lines of credit and credit card products are subject to credit approval. Terms and conditions apply. Certain fees and restrictions may also apply. Ask your banker for details.

2Deposits include direct deposit, mobile deposit, ATM deposit or in branch deposit of any amount. Does not include fund transfers between Bank of the West accounts or any credits from Bank of the West. $10 monthly service charge is also waived if any owner of the account is under age 25.

3Foreign transaction fees may apply.

4A Premier Relationship Premium (available to Bank of the West Premier Checking customers) is a bonus interest rate on qualifying Choice Money Market Savings accounts for selected balance tiers. The standard interest rate plus the Premier Relationship Premium interest rate equals the Premier Relationship Interest Rate. The Premier Relationship Premium interest rates are set at the Bank’s discretion and are subject to change without notice. Only one Choice Money Market Savings account can be linked to a checking account. There may not be a Premier Relationship Premium associated with every balance tier.

5To automatically qualify for a Premier Relationship Interest Rate, you must have an open Bank of the West Premier Checking account and one Choice Money Market Savings account with the same ownership. The Premier Relationship Interest Rate will be earned on your Choice Money Market Savings account, and is calculated as follows: On the last day of your statement cycle, your Choice Money Market Savings can you open up a bank account online end-of-day collected balance tier will be determined. If the Bank is paying a Premier Relationship Premium for that balance tier, that Premium will be added to the standard interest rate for the balance tier into which your daily end-of-day balance falls each day during the next full statement cycle. The Premier Relationship Premium will be applied beginning the first business day of the statement cycle. Once set, the Premier Relationship Premium will not change during that statement cycle. The standard interest rate can change as frequently as daily. The Premier Relationship Interest Rate is compounded daily and paid to your Choice Money Market Savings account on the last day of the statement cycle. If you do not qualify for a Premier Relationship Premium as of the last day of any statement cycle, your account will earn only the standard interest rate during the next full statement cycle.

6Cash Back rewards are based on Net Purchases (qualifying purchases less credit, returns, and adjustments). 1% base Cash Back for every $1 of net purchases. Eligible merchants for the 3% bonus categories (2% Bonus Cash Back on top of the 1% Base Cash Back) include: (a) groceries (representing grocery stores/supermarkets, freezer/meat provisioner, miscellaneous food stores, bakeries, and candy/nut/confection stores); (b) Dining (representing eating place restaurants, bars, lounges and fast food restaurants); (c) Gas (representing service stations and automated fuel can you open up a bank account online. After $1,500 is spent on gas purchases each calendar quarter, you go back to earning 1% Base Cash Back.

7Lower rates may be available for Wealth Management clients. Click here for more information.

8Those applying online for a Premier Checking, Classic Savings, or Choice Money Market Savings account must have a working mobile phone and a valid U.S. phone number.

*Securities and variable annuities are offered through BancWest Investment Services, a registered broker/dealer Member FINRA/SIPC, and SEC Registered Investment Adviser. Financial Advisors are Registered Representatives of BancWest Investment Services. Fixed annuities/insurance products are offered through BancWest Insurance Agency in California (License #0C52321) and through BancWest Investment Services, Inc. in all other states where it is licensed to do business. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. Bank of can you open up a bank account online West and its various affiliates and subsidiaries are not tax or legal advisors. Please consult your tax or legal advisor for more information regarding your personal situation.

BancWest Investment Services is a wholly owned subsidiary of Bank of the West. Bank of the West is a wholly owned subsidiary of BNP Paribas.

Investment and Insurance Products:

  • NOT FDIC INSURED
  • NOT BANK GUARANTEED
  • MAY LOSE VALUE
  • NOT A DEPOSIT
  • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Источник: https://www.bankofthewest.com/open-account.html
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Banking Fees

If you’ve spent any time reading Be The Budget, you probably know that I hate fees in just about any area of personal finance. Whether it’s monthly maintenance fees, minimum balance fees, ATM fees, investment fees, or anything else, I do my best to can you open up a bank account online the amount of money I spend on things that detract from my net worth.

And when it comes to banking, I truly believe that if you are spending any amount of money on fees, you should take your money and move it into an account that won’t charge you any (or, at least gives you an easy can you open up a bank account online to get out of them).

Seriously, by putting your money into a bank, you are providing them with the capital they need in order to fund the loans they issue. And when they charge you a monthly fee, it is kind of like double-dipping.

Now, to be clear, I have no problem if a bank decides to operate like that. It’s their business, and they can run it as they see fit. But as long as there are other banks that won’t charge me those same fees, you can bet that’s where I’ll choose to put my money.

To put it as simply as possible, if you’re going to open a bank account online, look for an account that either, doesn’t can you open up a bank account online you fees, or gives you an easy way to avoid them.

Check Out These Related Posts:

Recommended Bank Accounts You Can Open Online

Once you’ve decided on the type of account you’d like to open online, the next step is actually making your selection. But where should you open a bank account?

With so many different financial institutions out there offering bank accounts that you can open online, it can be hard to decide which one makes the most sense for you.

Luckily, here at Be The Budget, we have done a ton of research, and even opened quite a few bank accounts in order to figure out, exactly, what makes an online bank account awesome.

So, if you’re looking for a good place to keep your money, here are our recommendations for bank accounts you can set up online.

Checking Accounts:

Since a checking account is the central hub for all your financial activity — from paying bills to buying groceries — setting yourself up with a good checking account is an essential part of your overall financial well-being. And if you’re looking for a checking account that you can open online, here is what we recommend:

Axos Essential Checking

If you’re thinking about opening a checking account, our hands down favorite account is Axos Bank’s Essential Checking account. Here’s why:

  1. Quick To Open – Since Axos is an online bank, they have made the process of opening a bank account online about as simple as possible. In fact, it shouldn’t take you more than about 15 minutes to open your account.
  2. No Monthly Maintenance Fees (And More) – With an Axos Essential Checking, you won’t be charged monthly maintenance fees, overdraft fees, or minimum balance fees. Plus, they offer unlimited domestic ATM fee reimbursements.
  3. Faster Access To Direct Deposits – The Direct Deposit Express feature can give you access to your money two days earlier than most other banks. That means you’ll have quicker access to your hard-earned money, which we really like.

Open An Axos Essential Checking Account

Savings Accounts:

Around here, we spend a lot bmo harris bank online loan payment time talking about savings accounts. Whether you are piling-up cash for emergencies, vacations, a wedding, a house, a car, or just about anything else, a savings account is a great place to keep your money. And the best news is, there are all sorts of great options out there.

So without further ado, here are the can you open up a bank account online accounts we recommend, and why.

Axos High Yield Savings

The Axos High Yield Savings account is one of our absolute favorites for a few key reasons.

  1. Like the aforementioned Axos Essential Checking account, you don’t have to worry about monthly maintenance fees or minimum balance requirements. So, if the purpose of setting up your account is to save for a large purchase, (i.e. a car or a down payment on a house), you don’t have to worry about spending every last dollar of cash you piled up for that particular purchase.
  2. Good Interest Rate – In the world of savings accounts you aren’t going to find the kind of interest rates you can get from investing in things like stocks, mutual funds, or ETFs. That’s just the way it is. However, that doesn’t mean that you should just accept a sub-par interest rate that only earns 0.1% every year. Especially when the Axos High Yield Savings account beats the national savings account interest rate by a significant margin.
  3. Low Opening Deposit – Oftentimes, savings accounts that earn a decent interest rate will require you to open an account with a pretty hefty sum of money. Meanwhile, the Axos High Yield Savings only requires an opening deposit of $250.

Open an Axos High Yield Savings Account

CIT Savings Builder

Next up on our list of recommended savings accounts is the CIT Savings Builder. In fact, this was the very first bank account I opened online. So, I speak from experience when I tell you that this account is a great place to start for someone that has never gone through the process of opening a bank account online. Here’s why:

  1. No Maintenance Fees – Like I said before, when you open a bank account, you should avoid monthly maintenance fees like the plague. And if you open a CIT Savings Builder, you will never have to worry about them.
  2. Good Interest Rate – The CIT Savings Builder also allows you to earn an interest rate that beats the national average. However, in order to earn the top-tier interest rate, you either need to maintain an average monthly balance of $25,000, or deposit at least $100 into your account each month. So, if you don’t think you can meet either of those requirements, then you might want to opt for the Axos High Yield Savings instead.
  3. Great Online Banking Experience – There’s no two ways about it, CIT Bank takes simple and intuitive to a whole new level with their online banking experience.
  4. Low Minimum Opening Deposit – With a minimum opening deposit requirement of only $100, the CIT Savings Builder has an extremely low barrier to entry. Just another reason why this savings account made it onto our list of favorites.

Open a CIT Savings Builder Account

Ally Online Savings

Another favorite on our list of recommended savings accounts is the Ally Online Savings. Like the other two, you can open it in a matter of minutes, but there are a few special features that you might find really helpful.

  1. Buckets – If you have more than one savings goal, but don’t like the idea of keeping your money in multiple savings accounts, Ally created a pretty cool tool they call Buckets. Essentially, buckets allow you to visualize your money in theoretical groups, so that you can stay organized, and know exactly how much money you have saved for your various goals.
  2. No Minimum Opening Deposit – If you’re looking for a savings account that you can open with $0, then an Ally Online Savings account is just the ticket.
  3. No Monthly Maintenance Fees – Like the other two accounts, if you open an Ally Online Savings account, you will not be charged monthly maintenance fees (which is really nice). Beyond that, Can you open up a bank account online is very transparent about the fees they do charge, so it is easy to avoid them.

Open an Ally Online Savings Account

Money Market Account:

As we discussed earlier, if you feel like you’d like slightly easier access to your savings (for things like emergencies, or large purchases for which you’ve been saving) then a money market account might be your preferred method for saving. But if you’ve never looked into money market accounts, or you just aren’t sure where to start, here are the accounts we recommend.

Axos High Yield Money Market Account

If you haven’t caught on by now, you should probably know that we are huge fans of Axos Bank. And when it comes to money market accounts, once again, they don’t disappoint. Here’s why:

  1. No Monthly Maintenance Fees Or Minimum Balance Requirements – Similar to most of the savings accounts we recommend, you will not be charged a fee for monthly maintenance or dipping below a minimum balance.
  2. Check Writing Privileges – As I mentioned earlier, one of the biggest benefits that money market accounts have over savings accounts, is that many of them allow you to write checks directly from them. So, if the purpose of your savings is to eventually use the money to make a purchase (i.e. a new car, a new house, etc.), or protect you in the event of an emergency (i.e. unexpected medical bills) this account is a great place to keep your savings.
  3. Good Interest Rate – Like the savings accounts I mentioned earlier, this account offers a nice interest rate.

Open an Axos High Yield Money Market Account

Step 2: Provide Your Information

Once you’ve decided on the type of account you’d like to open, and which financial institution you’re going to use, your next step will be to actually open the account. And the very first thing you’ll need to provide is some personal information.

So, if you want the process of opening a bank account online to go as smoothly as can you open up a bank account online, be sure to have the following information ready:

  • Name
  • Date Of Birth
  • Social Security Number
  • Physical Address
  • Email Address
  • Contact Information
  • Government Issued ID Number (i.e. drivers license)
  • Joint Account Holder information – If you are opening a joint bank account, you will need to provide the same information for the other person attached to the account.
  • You may also need to provide your initial funding information, but we will go into that a little further in step 4.

Step 3: I fell in love with you quotes for him And Agree To Terms

After filling out your information, you will likely need to sign a terms of agreement and any other required documents for opening your bank account. Now, I have opened a few bank accounts online, and in my experience, each financial institution does things a little bit differently.

Therefore, if you are unsure about what you are reading, don’t be afraid to give them a call in order for them to explain things a little further. As with any contract, it’s important for you to do your due diligence. So, don’t be afraid to ask questions or get further clarification on anything that doesn’t make sense to you.

How to open a bank account online in 5 steps <div><h2> 				Checking Accounts 			</h2><div><div><p>If you convert from a Wells Fargo account with check writing ability <a href=prepaid bankofamerica com a Clear Access Banking account, any outstanding check(s) presented on the new Clear Access Banking account on or after the date of conversion will be returned unpaid. The payee may charge additional fees when the check is returned. Make sure that any outstanding checks have been paid and/or you have made different arrangements with the payee(s) for the checks you have written before converting to the Clear Access Banking account.

Other fees may apply, and it is possible for the account to have a negative balance. Please see the Wells Fargo Consumer Account Fee and Information Schedule and Deposit Account Agreement for details.

Subject to applicable Overdraft Protection transfer and/or advance fees and account eligibility requirements.

If your Portfolio byWells Fargo program is closed or can you open up a bank account online account is delinked from the program, then effective immediately, Portfolio byWells Fargo benefits no longer apply, including benefits to your linked accounts. You will no longer receive discounts, options to avoid fees on other products or services, or the Portfolio Relationship Interest Rate; for time accounts (CDs), this change will occur at renewal. Your delinked account will revert to the Bank's current applicable interest rate or fee at that time.

Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.

With Zero Liability protection, you will be reimbursed for any can you open up a bank account online reported unauthorized card transactions. Please see your applicable Wells Fargo account agreement, debit and ATM card terms and conditions, or Wells FargoEasyPay Card Terms and Conditions for information on liability for unauthorized transactions.

Investment and Insurance Products are:
  • Not Insured by the FDIC or Any Federal Government Agency
  • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate
  • Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

Brokerage products and services are offered through Wells Fargo Advisors. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC (WFCS) and Wells Fargo Advisors Financial Network, LLC, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company.

Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.

Equal Housing Lender

Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A.

Источник: https://www.wellsfargo.com/checking/
$5,000.01 - $24,999.99 earn 0.2% APY $25,000 – $49,999.99 earn 0.03% APY

Can you open up a bank account online -

How To Open A Bank Account Online (5 Easy Steps)

How to open a bank account online  <div><div><p>Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.</p><p>While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.</p><p>By clicking on some of the links above, you will leave the Chime website and be directed to a third-party website.  The privacy practices of those third parties may differ from those of Chime.  We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties' privacy or security practices.</p><p><sup>1</sup> Out-of-network ATM withdrawal fees apply except at MoneyPass ATMs in a 7-Eleven location or any Allpoint or Visa Plus Alliance ATM. Other fees such as third-party and cash deposit fees may apply.</p><p><sup>2</sup> Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.</p><p><sup>**</sup> You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.</p><p>© 2013-2021 Chime. All Rights Reserved.</p></div>Источник: https://www.chime.com/online-banking/</div>   $50,000.01 and greater earn 0.25% APY.  If 18 - 49 qualified debit card transactions post per statement cycle: $0-$50,000 earn 0.10% APY   <div><h2>How to open a bank account online</h2><div><p>{

Opening a US bank account online usually takes about five to 10 minutes, depending on whether you’re a new or existing customer. While it might take longer for specific account types that require additional documentation, such as a business bank account, the speed and convenience of skipping an in-person visit to your bank branch is priceless. Here’s a rundown of what to expect when you open a bank account online.

Follow these steps to open a bank account online.

Step 1: Compare accounts to find the right one

Shop around to find what bank account best fits your needs, including a checking or savings account, cash management account or a money market account. When weighing bank account types, you’ll want to consider what the purpose of the account is, such as to earn interest or for everyday spending.

Factor in the card type, minimum balance requirements, whether you can bank online or via an app, and any fees, including ATM withdrawal fees, monthly fees and potential account fee waivers. And then round out your research by considering its benefits and features, including overdraft protection and rewards.

Step 2: Decide if you want a single or joint bank account

If you open a single account, you’re the sole owner and no one else can access your money. But with a joint bank account, you share ownership with someone else, usually a family member, significant other or business partner. They have equal access to the account and can use the money however they wish.

Step 3: Review the deposit agreement

Be sure to read through the account’s terms and conditions, which generally cover its fees and how much of your money is insured by the FDIC. For regular bank accounts like checking and savings, the FDIC protects you up to $250,000. But for other accounts, such as cash management accounts, your banking institution can insure more — even up to $1 million.

Step 4: Apply for your account online

If you’re at least 18 years old, you can apply for most accounts online. Click Go to site and a new window will open, sending you to the account provider’s website, a secure online application and a checklist of things you should have with you before you apply. If you’re an existing customer of the bank, make sure you have your relevant customer ID or account number.

On the application, you’ll need to provide basic information about yourself such as your name, date of birth, address and social security number. Be careful not to leave your computer unattended for too long because the webpage can time out and you’ll need to restart the process.

After you complete an online application for a bank account, you’ll get an email from the account provider with information about what happens next. This email should come within a minute or two after you submit the application to the bank. It may also come with instructions on verifying your identity.

Step 5: Verify your identity

You’ll need to provide a government-issued ID before you’re approved for an account. Most banks will let you take a picture of your ID with your phone, though some banks require that you verify your identity in person. If you’re already a customer of the bank, you may be able to skip this step.

Step 6: Make a deposit

Most accounts will require you to make an opening deposit using a debit card or an account and routing number for an existing bank account. If this is your first bank account and you plan to make an opening deposit in cash, you’ll likely need to sign up for an account at a bank branch.

Step 7: Activate your debit card

If your account includes an ATM or debit card, you’ll need to sign the back and activate it online or over the phone so you can make withdrawals. The debit card and PIN may be sent to you separately for security reasons.

Step 8: Start using it!

Your account is ready to go. You’ll be able to make deposits and withdrawals, as well as use any other features associated with your account. To finish setting everything up:

  • Set up online banking. This lets you manage your money, view electronic statements and make payments to other accounts from your phone, computer or tablet. Go to the provider’s website or download its app and follow the on-screen instructions to set up this feature.
  • Switch your direct debits and automatic payments. If you signed up for a checking account, decide if you want to transfer all of your automatic payments to your new account. If so, you’ll need to sign into your existing accounts with your creditors and change your bank account information.
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To open an account online, you’ll generally need to meet these requirements:

  • US resident with a US residential address
  • At least 18 years old — some banks will let minors open an account with a guardian
  • Provide a government-issued ID
  • Provide a Social Security number or individual taxpayer identification number (ITIN)

Read up on what are the requirements to open a bank account

Have the following items ready to complete the application online:

1. Identification

Requiring ID helps banks protect you from fraud. If someone gets ahold of your Social Security number, they could apply for an account in your name to hide illegal money — or even open a line of credit. Banks verify your ID to make sure it’s really you opening the account, and not someone trying to steal your identity.

You may need to submit a photo of your government-issued ID card or input the details manually.

2. Personal information

The application requires personal details, including your full name, residential address, date of birth and Social Security number. Most accounts allow you to apply for a joint account with one or more people but each person will need to provide their personal info.

If you’re a current customer, you might already have all this information already saved in your account, which the application may pre-populate for your convenience. All you’ll need to do is verify your information is still accurate.

3. Deposit

Some institutions will let you open a bank account online with no deposit, but most times you’ll have to put a little money down. Minimum required deposits often increase with a higher interest rate or better features offered. If the account requires an opening deposit, you’ll need to input your banking info, such as account and routing number, from an external account to initiate a transfer.

There’s no need to visit a branch to open a bank account anymore. You can open a bank account, deposit money and set up automatic payments all from the comfort of your home. Once you’ve applied, just wait for the card to be sent to you in the mail, activate the account and you’re good to go.

    • You can skip the bank queues.
    • The application forms are easy to use.
    • It usually takes less than 10 minutes.

What to watch out for when opening up a bank account online

You may have to visit a local branch to open a bank account if you run into any of these challenges.

  • No credit. Most banks verify your identity by doing a soft pull on your credit. If you haven’t built any credit yet, you may need to visit a local branch to verify your identity and complete your application process.
  • Chexsystems report. If you have a negative banking history because you’ve previously bounced checks or had insufficient funds, your application may be denied when you open an account online. But visiting a local branch could increase your chances of getting an approval.
  • A minor. Anyone under age 18 can’t open a bank account without a parent or legal guardian co-signing on the account. Most banks require you to visit a local branch to set up this type of account.
  • Non-US citizen. Nonresidents can still open accounts at some banks in the US, but there are extra hurdles to jump through. You may be required to bring your passport as well as your green card, work visa or student ID to a local branch to verify your identity and complete the application process.

Compare other products by fee, APY and minimum opening deposit. Click the tabs at the top of the table to compare other account types, depending on your needs.

Источник: https://www.finder.com/open-bank-account-online

Open a Bank Account Online

1Loans, lines of credit and credit card products are subject to credit approval. Terms and conditions apply. Certain fees and restrictions may also apply. Ask your banker for details.

2Deposits include direct deposit, mobile deposit, ATM deposit or in branch deposit of any amount. Does not include fund transfers between Bank of the West accounts or any credits from Bank of the West. $10 monthly service charge is also waived if any owner of the account is under age 25.

3Foreign transaction fees may apply.

4A Premier Relationship Premium (available to Bank of the West Premier Checking customers) is a bonus interest rate on qualifying Choice Money Market Savings accounts for selected balance tiers. The standard interest rate plus the Premier Relationship Premium interest rate equals the Premier Relationship Interest Rate. The Premier Relationship Premium interest rates are set at the Bank’s discretion and are subject to change without notice. Only one Choice Money Market Savings account can be linked to a checking account. There may not be a Premier Relationship Premium associated with every balance tier.

5To automatically qualify for a Premier Relationship Interest Rate, you must have an open Bank of the West Premier Checking account and one Choice Money Market Savings account with the same ownership. The Premier Relationship Interest Rate will be earned on your Choice Money Market Savings account, and is calculated as follows: On the last day of your statement cycle, your Choice Money Market Savings account’s end-of-day collected balance tier will be determined. If the Bank is paying a Premier Relationship Premium for that balance tier, that Premium will be added to the standard interest rate for the balance tier into which your daily end-of-day balance falls each day during the next full statement cycle. The Premier Relationship Premium will be applied beginning the first business day of the statement cycle. Once set, the Premier Relationship Premium will not change during that statement cycle. The standard interest rate can change as frequently as daily. The Premier Relationship Interest Rate is compounded daily and paid to your Choice Money Market Savings account on the last day of the statement cycle. If you do not qualify for a Premier Relationship Premium as of the last day of any statement cycle, your account will earn only the standard interest rate during the next full statement cycle.

6Cash Back rewards are based on Net Purchases (qualifying purchases less credit, returns, and adjustments). 1% base Cash Back for every $1 of net purchases. Eligible merchants for the 3% bonus categories (2% Bonus Cash Back on top of the 1% Base Cash Back) include: (a) groceries (representing grocery stores/supermarkets, freezer/meat provisioner, miscellaneous food stores, bakeries, and candy/nut/confection stores); (b) Dining (representing eating place restaurants, bars, lounges and fast food restaurants); (c) Gas (representing service stations and automated fuel dispensers). After $1,500 is spent on gas purchases each calendar quarter, you go back to earning 1% Base Cash Back.

7Lower rates may be available for Wealth Management clients. Click here for more information.

8Those applying online for a Premier Checking, Classic Savings, or Choice Money Market Savings account must have a working mobile phone and a valid U.S. phone number.

*Securities and variable annuities are offered through BancWest Investment Services, a registered broker/dealer Member FINRA/SIPC, and SEC Registered Investment Adviser. Financial Advisors are Registered Representatives of BancWest Investment Services. Fixed annuities/insurance products are offered through BancWest Insurance Agency in California (License #0C52321) and through BancWest Investment Services, Inc. in all other states where it is licensed to do business. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. Bank of the West and its various affiliates and subsidiaries are not tax or legal advisors. Please consult your tax or legal advisor for more information regarding your personal situation.

BancWest Investment Services is a wholly owned subsidiary of Bank of the West. Bank of the West is a wholly owned subsidiary of BNP Paribas.

Investment and Insurance Products:

  • NOT FDIC INSURED
  • NOT BANK GUARANTEED
  • MAY LOSE VALUE
  • NOT A DEPOSIT
  • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Источник: https://www.bankofthewest.com/open-account.html
Be The Budget" width="800" height="450">

These days, online banking has become more and more prevalent. Whether you want to make a mobile deposit, transfer money between your bank accounts, pay bills, or even pause or activate your debit card, nearly everything you want to do in personal finance can be accomplished online. That said, if you want to take advantage of all the wonderful features online banking offers, you have to have a bank account in the first place. And that leads us to one, very important question: can you open a bank account online?

Yes, these days, many financial institutions will allow you to open a bank account online. To do so, you will need to provide your name, address, email, social security number, and a government-issued ID number. Additionally, depending on the account you are opening, you may need to provide an initial opening deposit to get started.

Now, being the personal finance nerd that I am, I have opened quite a few bank accounts online. Between savings accounts, checking accounts, money market accounts, and even investment brokerage accounts (I know that’s not technically a bank account, but you get my point), I have plenty of experience in this arena.

So, to put it simply, if you’ve never opened a bank account online, you’ve stumbled upon the perfect article (not to pat myself on the back or anything).

For the rest of this guide, I’m going to explain, step-by-step, how to open a bank account online. Additionally, if you’re not sure where you’d like to open an account, I’m going to introduce you to a few of my absolute favorite online bank accounts, and why I recommend them to our readers. So, if you’re ready to get started, but want to avoid as much headache as possible, keep reading.

Step 1: Select A Bank Account

The first, and most obvious, step in opening a bank account online is selecting the account you are going to actually open. And, while this step might seem pretty straight forward, there are a couple major considerations you should take into account.

Account Type

Starting off, you need to determine the type of account you would like to open. Now, if you’re in need of a bank account that allows you to easily pay bills and spend money, then your obvious choice will be a checking account (see our recommendation below).

However, if you are looking for a good place to put your savings, then, here at Be The Budget, we recommend either a money market account and a high yield savings account. Now, to be honest, there isn’t a whole ton of difference between these two types of accounts. They both tend to earn better interest rates than a checking account, which allows your money to grow a little bit each year. However, money market accounts will oftentimes allow you to write checks or spend money directly from them.

So, if your reason for opening a bank account online is to save for a big purchase (like a down payment on a house), or emergencies, then a money market account may be the right choice for you.

On the other hand, if you struggle to fight the temptation to dip into your savings, and an extra layer of spending-restriction might do you some good, then a savings account is probably your better option.

How to open a bank account online in 5 easy steps   $50,000+ earns 0.04% APY. <u>Interest Checking:</u> APY is 0.01%. <br> ATM transactions do not count as qualified debit card transactions. Bank is not responsible for merchant settlement delays. Fees could reduce earnings. Rates are subject to change without notice. Other terms and conditions apply. Member FDIC.</p><p>Centier reserves the right to discontinue any offer at any time.</p></div>Источник: https://www.centier.com/personal-banking/checking/</div>
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