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When you open a personal checking or savings account, you will also need to have money to put into an account. Find out if the bank account has a minimum opening deposit requirement. You can usually bring in a check from another bank, or you can use cash. You might also be able to use an electronic transfer.When opening an account online, you will need the routing number of your bank, and your account number for the electronic transfer.pening a business account requires a little more documentation. In fact, you will have to provide documents to open an online bank account. Most banks will allow you to scan and email copies of the documents, or fax them, if you donât want to take the time to send them via snail mail.