How to Open a California Checking Account
- 1). Select a bank or credit union where you will open the account. Banks often require that you deposit a certain amount of money--typically $50 to $200--into a new checking account, while many credit unions do not have that stipulation. Banks typically charge more fees, such as monthly service fees, for checking account, while credit unions generally do not.
- 2). Open your account online or at the financial institution. Many California banks and credit unions give you the option of opening an account online or at the institution itself. The financial institution's website will often tell you whether it offers the option of creating your account online.
- 3). Provide your driver's license or California identification card number, Social Security number and current home address. Some California financial institutions will require more information, such as a previous home address if you've lived at your current address for less than two years. Some California financial institutions also require that you are at least 18 years of age, while others have lower age requirements.
- 4). Deposit any required money into your account. If the financial institution requires a deposit to open your checking account, you must fund the account with cash, a debit card or credit card. You must fund an online account with a debit or credit card if a deposit is required.
- 5). Choose if you would like to receive a debit card if you have an option. Many California financial institutions will automatically issue a debit card, but some give you an option. A debit card allows you to withdraw money from an ATM and swipe the card at retailers that accept debit cards. The money is withdrawn from your checking account.