Hubby and I opened a joint Sun Trust account while we on our hols a couple of weeks ago and i thought I would let you know how the process went in case anyone is thinking of doing the same. We went to huge and I mean HUGE Sun Trust bank opposite DTD. The lady who served us was very friendly and polite. We went for a free checking account as this has no fees attached to it, plus has internet banking access and a Visa Card. She filled in the application while we sat there, all we need was our passports and driving licences (you need two proofs of ID). After about half an hour all done, we opened it with $10. She gave us our account details straight away and when we got home our Visa cards were waiting for us, talk about speedy. We also don't have great credit histories back in the UK but this wasn't a problem. I've already been on the internet and have access to the account. The process is very very easy and they were happy to help. We are going to use it for our DVC monthly dues and also for stashing money away for our next trip. I hope the above helps anyone thinking of opening a bank in the states.