A checking account allows you to write checks to pay bills or purchase items.  Opening a checking account at a bank can be an easy three-step process.

If you have had problems managing your accounts in the past, you may have been reported to ChexSystems, a consumer reporting agency that collects information on people who mismanage their accounts.  It means you may not be able to get a checking account quickly.  Ask the bank if they offer "second chance checking." Second chance checking offers many of the same advantages as a regular checking account with certain limitations. 
 

• STEP 1: Find the right bank for you.
  Just as you should go to more than one store to find the best deal, the same care should go into choosing a financial institution that fits your needs.  Visit several banks at locations that are convenient for you and compare product offerings.
  
  
• STEP 2: Complete application form.
  Most banks require potential customers to complete a short application for regulation reasons. Applications usually ask for basic information, such as your name, address, birthday, etc.  Banks will usually need at least one form of ID (usually a passport or driver's license) to prove you are who you say you are.  Ask the bank in advance (by calling or visiting their Web site) to see what forms of ID they accept so you bring the right documents with you.
  
  
• STEP 3: Make a deposit.
  Depending on the type of checking account, the bank will ask you to make a minimum deposit so you can start writing checks.  However, if it's a "free" checking account, the amount you deposit is up to you.
  

YOU HAVE A CHECKING ACCOUNT!
The bank will give you an account number and a starter book of checks.
 Keep your account information in a safe place to prevent identity theft
 Learn how to write a check
 Get quick tips on managing your account