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How to Set Up an Online Checking Account in 5 Steps - DiscoverYou can open a checking account online and manage your account securely by signing in on your phone or computer, instead of waiting for the bank to open first. Yes, it's easy and only takes a few minutes. Open a checking account with just $25 for your initial deposit. Apply for a Safe Debit. How do I open a checking account? Depending on your preference, you can apply for a Citizens checking account online, over the phone, or at any Citizens branch.