[header] How to use online banking [title] Open a bank account if you don't have one already. [step] If you already have a bank account, you can skip this step. In order to use online banking, you'll need a bank account to access and manage online. 
Go to a local branch of your preferred bank and open a checking or savings account to get started. [substeps] There are some banks that do not have physical, brick-and-mortar branches.