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How to open a savings account online

To open a savings account, you are required to have the following:

  • Valid U.S. government-issued ID (e.g. Driver’s License, Passport, State or Military ID)
  • Social Security Number (SSN) or Individual Tax Identification Number (ITIN)
  • Basic employment and personal information such as date of birth and primary address

You can have a savings account at any age. At Alliant, children under 13 years old can have a kids savings account with a parent or legal guardian as a joint owner. Teens 13-17 years old can have a regular Alliant High-Rate Savings account but must have a parent or legal guardian as a joint owner until they’re 18 years old.

If you have a credit freeze, you may need to lift it to open a savings account because the credit union or bank may run a soft credit pull to verify your identity. A soft pull will not impact your credit score.

If you’re opening a savings account at your current credit union or bank, the above information usually isn’t needed to verify your identity. You could open an account by logging into your online banking.