NetBank Commonwealth is available only to Commonwealth Bank customers, as it is an online platform for financial services such as checking account balances, online bill paying, activating credit cards, looking at investment portfolios and replacing lost cards. Commonwealth Bank focuses on Australian clients, so most Americans are ineligible.
Commonwealth Bank has branches around the world including one in New York, but even the locations outside of Australia do business only with Australians, those with significant business interests in Australia and those looking to move to Australia. The lone exception to this rule is the New Zealand branch, which has its own banking license.
Assuming eligibility requirements are met, customers require a mobile phone and a debit MasterCard, credit card, Keycard or Travel Money Card to register for a NetBank account. The chosen card's PIN number should be handy.