Opening an account means that a user opens an account in a financial institution. According to different financial institutions, accounts can be divided into bank accounts, stock accounts and futures accounts. Opening a bank account is a process in which an individual or institution opens a bank account at a bank outlet or through online banking or mobile banking. Opening a securities account is a process in which investors go to the business department of a securities company or open a stock account through the securities company official website and the mobile APP of the securities company. There are three ways to open an account: offline account, online account and mobile phone account.