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If the bank needs your signature on paper, you’ll need to wait longer before using your account.

Banks that require paper signatures can also cause problems if you made a significant initial deposit and the funds are frozen.

Under 18: People under the age of 18 cannot open bank accounts on their own.

If you’re under 18 and want to use a checking or savings account, there are options out there, but you need an adult (not necessarily a parent) on the account. Checking account history: If you’ve overdrawn checking accounts (or bounced checks) in the past, you might not be able to open a new checking account online. That doesn’t mean it’s impossible if you’re not a citizen, but a visit to the branch might be necessary.

Other banks let you begin your application online, but they eventually need a signature.

With those banks, you typically get something like a “Welcome Kit” in the mail (at least you don’t need to print anything yourself) with any required documents.

If you don’t have much of a credit history—because you’re young and you haven’t borrowed enough to build credit, for example—they won’t find anything.

As a result, they may require that you visit a branch with a government-issued ID to open your account.

This is essential and strongly recommended if two people are going to embark on a long and happy married life raising a family together.

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