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08 Feb 2018

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Published on: 08 Feb 2018 by sonaliverma

How to open bank account in India

How to open bank account

It’s quite an intimidating task to open a bank account. Luckily, the majority of credit
unions and banks follow a procedure which is same as to the one explained below.
Opening your bank account is actually a matter of giving certain information
and funding your bank account. As soon as all the formalities are completed,
you can begin using your bank account – and save your money as well as time.
Use the below checklist as a guide.

Select a preferred Bank

Maybe you already know your choice, if not then you can take recommendation from
other people. Begin by discovering the perfect match for your instant need (for
instance, a checking account). When you compare different banks, be careful of
charges that can be applied to your savings.

Visit the Bank Website or Branch

The simplest method to open a bank account is to visit the website of the bank. You
can search banks on leading search engines, like Google or Yahoo. When you
visit a bank branch, be sure to carry the below mentioned documents -

Proof of Identification : (government-issued ID such as military ID, passport, driver’s license, aadhar card but you must have correct date of birth mention in it if not you can check this website for updating your date or birth .

Your Social Security

Your mailing and
physical address

A first deposit (if needed
while opening account)

Choose your desired Product

Any bank will have various types of services and accounts that you can pick from. Frequently
bank provide their products with single name that can be puzzling, however they
are simple products available at every bank:

Checking bank accounts for direct deposit and making payments

Savings accounts to earn interest

Money market bank accounts for rather more interest

CDs (Certificates of
deposit) to get even more while locking up money

All sorts of loan (personal, home, auto etc.)

Give all your Information

While opening a bank account, you will require providing some sensitive details to
your bank. For protecting themselves and obey all the regulations, banks just cannot
open a bank account without assessing your identity. You will just require providing
simple information such as your full name, date of birth, a valid government identity
proof (such as a passport, Driver’s License or aadhar card).

Agree to Terms

It is important for you to agree to follow certain regulations and accept accountability
for certain activities in your bank account.

Fund Your Account

In case you are opening a savings or checking account, you will require making a first
deposit into your bank account.  At
times, this is necessary as part of the bank account opening process, and at
times you can do the same after opening and activating your account.

Begin Using the Account

Congratulations folks, now you’re the proud owner of your bank account. Well, your bank account
may be active within a few days or a few minutes. For savings and checking
accounts, keep a keen eye out for an ATM card or debit card in the mail.  You can also apply for a checkbook.


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