Each financial institution has its own policies, but in-person verification is not a requirement at all banks. Users can open bank accounts completely online at PNC Bank, TD Bank and Wells Fargo.
To open a bank account online, a customer needs to provide his social security number, government-issued photo ID, name and contact information, according to PNC Bank. The initial deposit can be funded by making an electronic transfer from another bank or by using a credit or debit card. Bank of America reminds customers that bank accounts should only be opened from devices with secure Internet connections to prevent fraud.