How Do I Open An Account

Twenty-seven banks and credit unions are participating in Bank on Houston. We want to make sure that everyone has the chance to open an account with a bank or credit union that works for them.

Now, in Houston, you can:

  • Open an account even if you do not have a Texas driver’s license. You don’t need a Social Security number, but you will need a passport, Texas ID or Mexican Matricula card. Most banks and credit unions will also request a secondary form of ID, such as a utility bill.
  • Open an account even if you have had problems in the past, such as bounced checks or overdraft fees. Most Bank on Houston banks and credit unions are willing, on a case-by-case basis and usually with conditions, to accept customers who do not meet regular account opening requirements. Please refer to our Financial Institutions Directory link or the Product Matrix link to find banks and credit unions willing to accept so-called “second-chance” customers. We also recommend talking with a bank representative for further details about this option.
  • Open a no or low-cost checking account. Additionally, many of the Bank on Houston banks and credit unions offer no monthly service charge accounts when you use direct deposit.
  • Open an account with no minimum balance requirements – as long as you do not overdraw or allow your account to sit for an extended period of time with no money in it, your account stays open.

Once you have opened your account be sure to sign up for a financial management training course to learn how to better manage your money. Use the Basic Money Management link to obtain the contact information for our financial education partners who can provide you with free training.

City of Houston Controller's Office / 901 Bagby Street, 8th Floor / Houston, TX 77002 / Phone: 832.393.3460

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