- 1). Visit local banks, and obtain information about different checking account options. If you both qualify to join a credit union, you should also find out about the accounts at local credit unions, because those institutions are not-for-profit and often have lower fees than banks. Choose the account that best meets your needs in terms of perks and minimum balance requirements, and set an appointment to open the account.
- 2). Go to the bank along with the other account owner. You and the other person opening the account must provide the customer service representative with your name, date of birth, physical address, Social Security number and a form of government-issued identification. Some banks may require additional forms of ID such as voter's registration card or a credit card.
- 3). Tell the bank which type of account you want to open. After the banker completes the account-opening process, both you and the other account owner must sign the signature card that doubles as a deposit agreement. If you and the co-owner have different addresses, tell the banker whose address the bank statements should get sent to.
- 4). Make your initial deposit. Banks typically require a minimum deposit of at least $50, so decide how much you want to deposit, and hand your money to the teller along with one of the deposit slips from the new account booklet. Take your receipt, and leave the bank.
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