Skip Header
U.S. flag

An official website of the United States government

Get Banked
Last Updated: June 22, 2023


Getting a tax refund this year? Don't have an account? There is still time to #GetBanked.
The fastest way to get your tax refund is to have it electronically deposited for free into your bank account with direct deposit.
Vea esta página en español

If you are in one of the 5.9 million U.S. households without a bank account, and you are looking to open an account, there are resources available to help you get started. Banking relationships generally begin with a checking or savings account and may lead to low-interest loans and mortgages.

Banks offer many types of accounts and programs, so there is likely one that can meet your specific needs. This checklist can help you choose the best type of account for your individual needs.

Many FDIC-insured banks offer accounts with low (or no) monthly maintenance fees when you have direct deposit or maintain a minimum balance. They may also offer free access to in-network automated teller machines (ATMs). And, your deposits are insured up to $250,000. Learn more about the top reasons to open a bank account.

There are several general steps to opening a bank account. The actual process varies by financial institution. Learn more about how to open a bank account at an FDIC-insured bank.

Find a Bank

The FDIC’s BankFind tool can help you locate an FDIC-insured bank in your area. In addition, the following organizations have compiled lists of banks that offer accounts that can be opened online:

See the Campaign

FDIC is collaborating with financial institutions, local government, and community organizations in select cities to raise awareness of the benefits of bank account ownership. These ads and radio spots are helping unbanked consumers take action to open accounts.


‘There's a Better Way’ - 30 second video

‘There's a Better Way’ - 15 second video

Radio Spots

30-Second English

15-Second English

Banner Ads

GetBanked Banner Ad – Transfer money safely anywhere
GetBanked Banner Ad – No check-cashing fees
GetBanked Banner Ad – Transfer money safely anywhere
GetBanked Banner Ad – Transfer money safely anywhere

Additional Government Resources:

Internal Revenue Service

Consumer Financial Protection Bureau

U.S. Department of Veterans Affairs

FDIC Social Media Toolkit

Learn More

FDIC Consumer News

Subscribe to our consumer newsletter.

Tax Season and Your Refund Options

Ensure your refund arrives as quickly and safely as possible.

Frequently Asked Questions For Bank Customers Affected by Coronavirus 2019

Get guidance if you’ve been financially impacted by COVID-19.

Money Smart Financial Education Tools

Enhance your financial knowlege and skills.

Strategies for Managing Your Checking Account

Get useful tips for tacking your activity and protecting your account.

FDIC Deposit Insurance

Get answers to common deposit insurance questions.

Consumer Resource Center

Information and resources to educate and protect consumers, promote economic inclusion, and connect people with financial resources in their communities.

Cybersecurity Basics

Learn how to keep yourself and your accounts safe online.