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Fortune Recommends: Vio Bank currently offers the highest APY for an MMA: %. You only need $ to open an account, and there's no monthly fee to worry. 8 steps to opening a savings account · 1. Find link: After visiting the bank's savings account webpage, look for something like an "Open Account" button. · 2. Quite literally just starting out. I have no credit or anything to my name except a bank card at the moment. You can apply for an individual bank account if you're 18 years or older and a legal U.S. resident. You'll need to provide your Social Security number and a. Fee-free online savings with one of the nation's top savings interest rates. %. APY. Variable APY | No fees or minimums. FDIC-.