How to Open a Bank Account in 2026: A Complete Guide The process is straightforward once you know what's coming: gather your documents, pick the right account type, apply online or in person, and fund the account. This guide covers every step, including what to do if a bank denies your application. Last reviewed October 2026. Types of bank accounts at a glance Before anything else, decide what you're opening. Most adults need two accounts: a checking account for everyday money and a savings...