Open a Personal Bank Account Online in Minutes

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Online Account Opening

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Frequently Asked Questions

Open a personal checking, savings, money market, and Certificate of Deposit (CD) account online—anytime, anywhere. Available for personal accounts.

What You’ll Need to Apply Online

For each applicant: Social Security Number and a valid U.S. government-issued ID (e.g., driver’s license).
To fund your new account: External account and routing numbers (ACH).
For additional deposit into a newly opened CD, wire transfer is required.

How Online Account Opening Works

Choose your account (checking, savings, money market, and CD).
Verify your identity by confirming details and uploading your ID.
Fund your account with an external bank (ACH).
Finish in minutes and access online & mobile banking.

Eligibility & Important Information

All applications are subject to HAB’s approval.
We support Individual or Joint Tenants with Right of Survivorship ownership.
U.S. residents, age 18+ may apply online.
Online account opening is currently available only for personal accounts such as checking, savings, money market, and Certificate of Deposit.

Frequently Asked Questions

Checking: Everyday spending money and debit card access.
Savings: Set aside money for goals and earn interest.
Money market: Earn more interest while funds remain accessible.
Certificate of Deposit: Fixed interest locked in for a term, early withdrawal penalties may apply if the CD is closed before maturity.

Most applicants finish in minutes.

SSN and a valid U.S. Government issued ID (e.g. Driver’s License).

Use your external bank’s account and routing numbers (ACH).

Yes, Joint Tenants with Right of Survivorship is supported. All account holders are to provide SSN and valid U.S. Government issued ID.

No. Personal accounts only.

Yes. You can open an HAB account if you reside in the states of New York, New Jersey, and California.

After your account is opened and approved, you will be able to sign on to HAB’s Online Banking and order a debit card/checks.

Funding is completed using an external bank account (ACH). Minimum opening deposit requirements may vary by account. For details on minimums, please visit the account opening portal

Please send an email to NewAccounts@hab.bank if you have any additional questions. We will attempt to answer the email within 24 hours