# Account Opening and Funding
source: https://developer.mastercard.com/open-finance-us/documentation/experience-design-guide/open-finance-us-for-payments/account-opening/index.md

Account opening should take seconds, but issues like manual uploads and micro-deposits add delays. This is why Mastercard launched an enhanced Open Finance for Account Opening solution. This innovation integrates account owner verification with identity insights into a single API to help you meet your customers' needs for security and transparency and introduces new ways to instantly verify account ownership creating a better onboarding experience.  

<br />

#### Account opening and optional funding after an account has been created - Data Connect Full {#account-opening-and-optional-funding-after-an-account-has-been-created---data-connect-full}

Tip: Access the [Figma file](https://www.figma.com/design/pqrT4uBCEsbL53GXSxh6g0/Open-Banking-US-for-Payments?node-id=1-65124&t=fxzcOZWigGMOnS4T-4) for this experience to duplicate and customize in your own environment.

To view the UX journey, use **full screen mode** or **zoom** controls. Please allow a few seconds for the screens to load.

#### Account opening with required account funding - Data Connect Full {#account-opening-with-required-account-funding---data-connect-full}

<br />

#### Account opening with optional account funding - Data Connect Full {#account-opening-with-optional-account-funding---data-connect-full}

Tip: If you have any questions or need assistance with the customer experience or development, [contact us](https://developer.mastercard.com/open-finance-us/documentation/support/index.md). Note: For developers, here is the API documentation:  
[Account Opening and Funding](https://developer.mastercard.com/open-finance-us/documentation/usecases/ob-account-opening/index.md)

<br />

Next: [Open Finance US for Lending](https://developer.mastercard.com/open-finance-us/documentation/experience-design-guide/open-finance-us-for-lending/index.md)