Opening a bank account is extremely important especially if you are new to a city and a job. Don’t open a bank account in an impulsive way. Try to do some background research before opening an account. Try to keep some points in mind that will help you to manage your bank smoothly. Look for the offer, discount and service charges like baking fee, overdraft fee, ATM charges, joint account fees, account maintenance fee before making your final decision. Also try to figure out the location of ATM available for their bank in all around the city or not. Opening an account is not at all a problem unless you have very bad credit score or you have declared bankruptcy earlier stage of your life.
For any adult opening a bank account you need to fill up the application form and then submit all the required documents like personal information, social security and address proof to open an account. Most of the times you need to go in person to open the new account. Try to talk with the employee about all the charges, benefits and limitation as per their banking rules.
There is an option for children who doesn’t fulfill the legal age which is 18 to open an account. The paper work or procedure is almost same as an adult but with those entire document you need to have a parents consent form and signature to open the account. Try to open a saving account for your kid where they can have their earn money this will also help them to be spend thrift.
Person who don’t have social security (SSN) or who are not a US citizen can still open an account in any city in united state. If you are still in process of getting your SSN, you can always reach IRS in toll free number 1-800-829-1040 to obtain your tax payer identification details. This can help you to open an account beforehand. You have to also give them the proof identification like passport and photocopy of your via documents to the bank.