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so lets take a look at what a 90-second account opening experience can look like okay so ive got my account opening experience loaded here in the browser and were going to start the timer as soon as i hit get started so lets go so i need an email address and a phone number and were going to continue okay so were going to pre-fill from my phone number we just need one more thing last four of my social thats not real so dont take note of it so we can see here its pre-filled full street address mobile phone number email date of birth full social security number looking good confirm the details yes im a u.s citizen im employed software engineer salary no i dont want to do any international transactions nobody ever reads terms and conditions no im not subject to backup withholding tax with the irs were doing some verification sounds good okay everythings looking good im going to use another bank account to fund this one we use plaid ive got my account details to pre-fill t