Anyone who meets the requirements can open a Bank On-approved account, even if they have debt or a low credit score.

If you’ve had a bank account before, but the bank closed it, you can still open a new account.

To open an account, you must provide:

• A valid form of identification, such as a driver’s license, state ID, or Social Security card.
  • If you need help getting an ID, contact Philly Restart or Community Legal Services.
• Proof of your address.
  • If you are experiencing homelessness, you can ask a local shelter to use their address. You can also use the address of a friend or family member.
• A phone number.
  • Lifeline, a federal program, may be able to help you get low-cost phone service.

You must also:

• Make a deposit of $25 or more.
• Be prepared to pay a small monthly account fee, if needed. All Bank On-approved accounts cost $5 or less per month.

In Philadelphia, you can get a Bank On-approved account at:

• Bank of America (Advantage Safe Balance Banking Account)
• Chase (Secure Banking Account)
• Citizens (EverValue Checking Account)
• Citizens (Student Checking)
• Fulton Bank (Xpress Account)
• Key Bank (Hassle-Free Account)
• M&T Bank (MyWay Checking Account)
• PNC Bank (Smart Access Account)
• PNC Bank (Foundations Checking)
• Santander (Essential Checking)
• TD Bank (TD Essential Banking)
• Truist (Confidence Account)
• Truist (Money Account)
• Univest Bank and Trust Co. (Value Checking)
• Wells Fargo (Clear Access Banking)

You can find out more about these accounts online or by visiting the banks in person. You can also get free help by contacting a Financial Empowerment Center at (800) 346-7445.