Searching for ways to open a basic bank account online often leads to questions about what can actually be completed digitally and what may still require a visit to a branch. Knowing what you can research and prepare ahead of time can make the account-opening process easier and help you choose a product that fits your needs.
In this guide, we explore what you can do online, what you may need to bring to the bank, and how to move your regular banking activity to a new account.
What Can You Do Online Before Opening an Account?
Before opening an account, use a bank’s website to review available products and understand how each account fits your everyday banking needs. At FNBA, options include Basic Checking, along with other personal and business accounts. Pay attention to any minimum balance requirements, monthly service fees, and the digital tools available after opening an account.
Use this time to gather any product-specific questions you might have and note the features or terms you want to discuss with a banker before choosing an account.
What Do You Need to Open a Bank Account?
Even if you complete much of your research online, opening an account may require identification and other information. At FNBA, account opening is completed at a South Jersey branch, where a banker can walk you through the available options and explain the requirements for the account you choose.
Before your visit, you may want to have the following available:
- Two forms of valid government-issued identification
- Your Social Security number
- Funds for the required opening deposit, if applicable
Because requirements can vary by account, confirming what you need with an FNBA banker before your visit can help you arrive prepared.
How Do You Move Direct Deposits and Automatic Payments?
Opening a new account is one step in changing banks. You will also need to update your income source and recurring payments so transactions are directed to the new account.
FNBA’s Switching Kit provides a five-step process for making the transition:
- Open your new FNBA account at a South Jersey branch.
- Notify your employer or other income source of your new account and routing number.
- Update recurring bills and automatic payments with your new account information.
- Once your direct deposit is active and recurring payments are updated, move your remaining funds to your FNBA account.
- Close your former account once you are confident no further activity is expected.
We recommend keeping a buffer in the former account for any late-clearing items or possible service charges.
Prepare to Open a Bank Account With FNBA
If you were hoping to open a basic bank account online, or any other personal or business banking product, start by researching your options, comparing account requirements, and gathering the information you’ll need. With FNBA, you can prepare online, then visit one of our South Jersey branches to open your account. You’re welcome to call us at 609-641-6300 if you have questions before then.
FAQs
Can I open an FNBA bank account entirely online?
No. FNBA’s current process requires personal and business accounts to be opened at a South Jersey branch. Once your account is open, you can enroll in FNBA Online Banking and manage your account digitally.
Can I switch my direct deposit when I change banks?
Yes, but it does not transfer automatically. You will need to provide your new account information to your employer, benefits provider, or other income source and update recurring payments separately.
