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Savings Account Checklist: Documents Needed To Open An Account Bankrate Caret RightMain Menu Mortgage Mortgages Financing a home purchase Refinancing your existing loan Finding the right lender Additional Resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Bank Banking Compare Accounts Use calculators Get advice Bank reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Credit Card Credit cards Compare by category Compare by credit needed Compare by issuer Get advice Looking for the perfect credit card? Narrow your search with CardMatch Caret RightMain Menu Loan Loans Personal Loans Student Loans Auto Loans Loan calculators Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Invest Investing Best of Brokerages and robo-advisors Learn the basics Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Home Equity Home equity Get the best rates Lender reviews Use calculators Knowledge base Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Loan Home Improvement Real estate Selling a home Buying a home Finding the right agent Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Insurance Insurance Car insurance Homeowners insurance Other insurance Company reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Retirement Retirement Retirement plans & accounts Learn the basics Retirement calculators Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Advertiser Disclosure

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While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Opening a is a quick and easy process.
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While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Opening a is a quick and easy process.
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In most cases, you can do it from your home. To make the process even easier, make sure you have all the documents and information needed to open a savings account.
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In most cases, you can do it from your home. To make the process even easier, make sure you have all the documents and information needed to open a savings account.
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Grace Liu 38 minutes ago

Checklist What you need to open a savings account

Before you compare accounts at different...
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<h2>Checklist What you need to open a savings account</h2> Before you compare accounts at different banks and credit unions, here’s what you’ll need for your application: Government-issued ID: A driver’s license or passport. Social Security Number: Some banks will accept an Individual Taxpayer Identification Number (ITIN) if you don’t have a Social Security number.
Joseph Kim Member
access_time 42 minutes ago

Checklist What you need to open a savings account

Before you compare accounts at different banks and credit unions, here’s what you’ll need for your application: Government-issued ID: A driver’s license or passport. Social Security Number: Some banks will accept an Individual Taxpayer Identification Number (ITIN) if you don’t have a Social Security number.
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Ryan Garcia 4 minutes ago
Date of birth. Address....
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Contact information. Bank account information: Many banks will require an initial deposit, so have y...
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Date of birth. Address.
Thomas Anderson Member
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Date of birth. Address.
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Mason Rodriguez 55 minutes ago
Contact information. Bank account information: Many banks will require an initial deposit, so have y...
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Deposit insurance

Look for financial institutions that offer deposit insurance. Banks shoul...
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Contact information. Bank account information: Many banks will require an initial deposit, so have your account and routing number from your checking account. <h2>Things to consider when opening your savings account</h2> Consider a few key factors to find a savings account that will fit your needs and help you grow your money.
Charlotte Lee Member
access_time 69 minutes ago
Contact information. Bank account information: Many banks will require an initial deposit, so have your account and routing number from your checking account.

Things to consider when opening your savings account

Consider a few key factors to find a savings account that will fit your needs and help you grow your money.
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<h3>Deposit insurance</h3> Look for financial institutions that offer deposit insurance. Banks should be insured through the , while credit unions are insured through the . Most institutions insure up to $250,000 in an individual savings account in the unlikely event that the institution fails.
Noah Davis Member
access_time 48 minutes ago

Deposit insurance

Look for financial institutions that offer deposit insurance. Banks should be insured through the , while credit unions are insured through the . Most institutions insure up to $250,000 in an individual savings account in the unlikely event that the institution fails.
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Lucas Martinez 17 minutes ago

Interest rate

When you save, you pay yourself. Depending on where you open a , the bank or ...
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Nathan Chen 32 minutes ago
However, represent the best option for your earning potential. In fact, these banks without physical...
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<h3>Interest rate</h3> When you save, you pay yourself. Depending on where you open a , the bank or credit union will also pay you, too, with interest. We’re currently in a , so you aren’t going to earn a big return on your savings account.
Aria Nguyen Member
access_time 25 minutes ago

Interest rate

When you save, you pay yourself. Depending on where you open a , the bank or credit union will also pay you, too, with interest. We’re currently in a , so you aren’t going to earn a big return on your savings account.
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Lucas Martinez 24 minutes ago
However, represent the best option for your earning potential. In fact, these banks without physical...
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However, represent the best option for your earning potential. In fact, these banks without physical branches pay 25 to 50 times more than the savings rates at the biggest banks in the country.
Dylan Patel Member
access_time 130 minutes ago
However, represent the best option for your earning potential. In fact, these banks without physical branches pay 25 to 50 times more than the savings rates at the biggest banks in the country.
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Dylan Patel 5 minutes ago
Think of it this way: You’re walking down the street, and you see a penny, a dime and a quarter. I...
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Sophia Chen 55 minutes ago

Features

You will likely have a range of saving needs. With that in mind, compare the funct...
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Think of it this way: You’re walking down the street, and you see a penny, a dime and a quarter. If you can only pick up one, it won’t be the penny.
Oliver Taylor Member
access_time 81 minutes ago
Think of it this way: You’re walking down the street, and you see a penny, a dime and a quarter. If you can only pick up one, it won’t be the penny.
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<h3>Features</h3> You will likely have a range of saving needs. With that in mind, compare the functionality of different savings accounts. For example, some banks offer the convenience of creating sub-savings accounts that can make a big difference with your mental accounting.
Alexander Wang Member
access_time 56 minutes ago

Features

You will likely have a range of saving needs. With that in mind, compare the functionality of different savings accounts. For example, some banks offer the convenience of creating sub-savings accounts that can make a big difference with your mental accounting.
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One sub-account might be named “vacation fund” while another is “tuition fund.” This can help you distinguish between saving for different purposes. Read to compare banks and some of the helpful features they offer.
Thomas Anderson Member
access_time 116 minutes ago
One sub-account might be named “vacation fund” while another is “tuition fund.” This can help you distinguish between saving for different purposes. Read to compare banks and some of the helpful features they offer.
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Ella Rodriguez 24 minutes ago

Expert advice How to maximize your savings account

Make putting money into your savings ac...
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Isaac Schmidt 26 minutes ago
Either way, you’ll benefit from a set-it-and-forget-it strategy that allows you to save without ev...
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<h2>Expert advice How to maximize your savings account</h2> Make putting money into your savings account part of a regular routine. Ask your employer to a portion of your regular paycheck into your savings account, or automate monthly transfers from your .
William Brown Member
access_time 30 minutes ago

Expert advice How to maximize your savings account

Make putting money into your savings account part of a regular routine. Ask your employer to a portion of your regular paycheck into your savings account, or automate monthly transfers from your .
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Joseph Kim 10 minutes ago
Either way, you’ll benefit from a set-it-and-forget-it strategy that allows you to save without ev...
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Hannah Kim 24 minutes ago
It’s also important to identify unexpected opportunities to grow your savings. Those can be big ch...
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Either way, you’ll benefit from a set-it-and-forget-it strategy that allows you to save without even thinking. If you’re young and start saving between 10 and 15 percent of your paychecks, you’re going to set yourself up for success in the long run. As your earnings increase over the course of your professional career, that 10 to 15 percent amount becomes more meaningful and allows you to save a significant chunk of money.
Elijah Patel Member
access_time 93 minutes ago
Either way, you’ll benefit from a set-it-and-forget-it strategy that allows you to save without even thinking. If you’re young and start saving between 10 and 15 percent of your paychecks, you’re going to set yourself up for success in the long run. As your earnings increase over the course of your professional career, that 10 to 15 percent amount becomes more meaningful and allows you to save a significant chunk of money.
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Luna Park 5 minutes ago
It’s also important to identify unexpected opportunities to grow your savings. Those can be big ch...
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Finally, regularly re-evaluate your needs. Know that the base layer of your savings — your — sho...
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It’s also important to identify unexpected opportunities to grow your savings. Those can be big chunks like a tax refund or a gift, or they can be as small as the money you save by using coupons. Anytime you wind up with some surprise cash, it’s time to think about how to put it away — instead of how to spend it.
Daniel Kumar Member
access_time 96 minutes ago
It’s also important to identify unexpected opportunities to grow your savings. Those can be big chunks like a tax refund or a gift, or they can be as small as the money you save by using coupons. Anytime you wind up with some surprise cash, it’s time to think about how to put it away — instead of how to spend it.
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Kevin Wang 83 minutes ago
Finally, regularly re-evaluate your needs. Know that the base layer of your savings — your — sho...
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Finally, regularly re-evaluate your needs. Know that the base layer of your savings — your — should evolve, depending on your age.
James Smith Moderator
access_time 165 minutes ago
Finally, regularly re-evaluate your needs. Know that the base layer of your savings — your — should evolve, depending on your age.
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Grace Liu 76 minutes ago
A buffer of six months of expenses will have a different number when you’re a single 20-something ...
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A buffer of six months of expenses will have a different number when you’re a single 20-something than when you’re 55 with kids in college. The target for your saving will always be moving.
Scarlett Brown Member
access_time 68 minutes ago
A buffer of six months of expenses will have a different number when you’re a single 20-something than when you’re 55 with kids in college. The target for your saving will always be moving.
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Make sure you’re adjusting your strategy to maintain the cushion you need to cover any unplanned costs. Greg McBride, CFA, is Bankrate’s chief financial analyst. As a , he is regularly quoted in the media for his in-depth commentary and practical advice to consumers.
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Make sure you’re adjusting your strategy to maintain the cushion you need to cover any unplanned costs. Greg McBride, CFA, is Bankrate’s chief financial analyst. As a , he is regularly quoted in the media for his in-depth commentary and practical advice to consumers.
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Lance leads a team responsible for creating educational content that guides people through the pivot...
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<h3>Learn more </h3> SHARE: Greg McBride, CFA, is Senior Vice President, Chief Financial Analyst, for Bankrate.com. He leads a team responsible for researching financial products, providing analysis, and advice on personal finance to a vast consumer audience. Lance Davis is the Vice President of Content for Bankrate.
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Learn more

SHARE: Greg McBride, CFA, is Senior Vice President, Chief Financial Analyst, for Bankrate.com. He leads a team responsible for researching financial products, providing analysis, and advice on personal finance to a vast consumer audience. Lance Davis is the Vice President of Content for Bankrate.
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Lance leads a team responsible for creating educational content that guides people through the pivotal steps in their financial journey. <h2> Related Articles</h2> </h2> </h2> </h2> </h2>
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Lance leads a team responsible for creating educational content that guides people through the pivotal steps in their financial journey.

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