i was thinking about getting a checking/savings bank account; i never got one before; and i wondered;i don't drive but i wondered in addition ; would i just be able to walk in the bank and ask to set up an account or do i need to schedule an appointment, how much money would everything cost as well. only answers please.
Mel
Favorite Answer
Setting up a checking account:
1. You don't usually need an appointment; you typically sign-in at the customer service area and wait for a bank rep to call your name.
2. You will need to have a picture ID and Social Security number and possibly one reference.
3. You will need to have some money or a check to deposit in your account
4. Depending on bank and average balance you plan to maintain, there are usually some account fees, either a monthly maintenance fee or a fee for each check written but if you keep a large balance of over a thousand or two, the bank may waive these fees. There will also be a fee for your check printing.
dave
You don't need to make an appointment. All you need is a form of identification and your social security number, besides some of your money, that is. The SSN is necessary for tax purposes as the interest earned is taxable by the government.
To take advantage of special offers (like free checking) sometimes there is a minimum deposit.
If you will want a co-signer (someone who can access your funds for you), they should join you as they will need to sign some paperwork, too.
travelmaster
it depend which bank you want open the account each bank is different some require minimum balance
etc,
but you need id,ssn card and money to get deposited
you just walk in no appoitment is need