Open an Account
Open a Personal Account Online
Open your account in minutes – online or in-branch, your way.
Getting started is now quicker & easier than ever.
Conveniently open a checking or savings account,
100% online, in just a few minutes.
✔ Open in minutes
Most people complete the account opening in about 2–3 minutes, from anywhere. No long forms, no branch visit needed.
✔ Works on any device (phone, tablet, desktop)
Whether you’re at home or on the go, the platform is mobile-optimized and responsive.
✔ Secure & identity-verified from the start
We use modern identity-verification technology to keep your information safe.
✔ Instant funding and access
You can fund your new account and start banking online or mobile right away – no waiting.
✔ Open multiple accounts at once
Need checking + savings? You can set them up all in one go – no need to re-enter all of your information.
✔ Simple, guided experience
Helpful tips and on-screen prompts make the process intuitive and easy to follow, even if digital applications aren’t your thing.
How It Works
What You May Need
Opening an account only takes a few minutes. To make it even smoother, have the following items ready
For Personal Accounts
- A valid driver’s license, state ID, or passport
- Social Security Number
- Your current address
- A debit card or bank account to fund your opening deposit
For Joint Accounts
- Each applicant will need their Social Security Number and may need a photo ID
- The joint applicant will receive an email to complete the process. This must be done within 30 days.
- Funding source from either applicant
Explore personal banking options
View our full suite of personal banking products. From easy checking accounts to smart savings, CDs and loans, we’ve got options to fit your evolving needs.
CD and Deposit Rates
View out current competitive deposit rates.
Apply for a loan
Find the right loan for your plans and budget at Franklin Savings. Our mortgages, auto loans, business loans, credit cards, and more offer flexible terms and competitive rates.
Commonly asked questions
Answers to your questions about your Franklin Savings Bank account. If you don’t see your question, feel free to contact our team. for page header.
How long does the account opening process take?
Most people complete the process in about 2–3 minutes.
Can I open multiple accounts at once?
Yes! You can open checking and savings accounts in one simple platform.
What if I don’t finish the form in one sitting?
You can save your progress and return later.
How do I fund my new account?
You can fund it instantly using a debit card or any existing bank account.
What happens if my joint applicant doesn’t complete their portion within 30 days?
For security reasons, the joint applicant’s invitation link expires after 30 days. If the link expires, you’ll just need to start a new application so we can send a fresh link.
Do I need to come into a branch?
No. Our new system allows you to open and fund your account fully online. You’re always welcome to visit us — but you won’t need to.
Are any of your locations near me?
We have 8 convenient locations in Maine. Find your nearest branch here.
Does Franklin Savings Bank have online and mobile banking?
Of course! Learn more about our digital banking and how to enroll here.
Do your accounts have fees?
Some accounts do have fees depending on the product, so please contact us to determine which of our products will best meet your needs.
Is my information secure?
Yes. We use encryption, and fraud-prevention technology to keep your information safe.
