【2026 College Student Account Opening】Do You Need a Securities Account with the Same Financial Holding Bank? Open Online in Just 7.5 Minutes Using Your Existing Bank Account!

Many college students start thinking about buying ETFs when they begin part-time jobs. However, upon researching, they often discover common concerns: Does a securities account need to be with the same bank group? Can you open an account without a salary transfer account? If you already have a Richart or E.Sun Bank account, do you need to open another bank account? This article addresses these frequently asked questions from the perspective of first-time investor college students and also introduces the increasingly popular online account opening method.

Two Most Common Issues College Students Face When Opening a Securities Account

Issue 1: Does a securities account need to be with the same bank?

This is the most frequently searched question.

When applying for a securities account, many worry whether they need to open a separate bank account.

The answer is no.

For example, SinoPac Securities' "Dahootou" offers a "Sub-Account" (Funds Management Account) service, compatible with 26 banks.

You can directly link your existing bank account—there's no need to open a new settlement bank.

This means if you already have a SinoPac Bank Dahoo account, Taishin Richart digital account, or a traditional bank account, you can use it directly as your settlement account.

Open a securities account easily with a sub-account 【Open Dahootou App Now】

Issue 2: Do you need to visit a bank to open a securities account?

In the past, most people had to visit a bank or securities branch in person. Filling out forms and completing verification could take several days.

SinoPac Securities' Dahootou offers online account opening. Just prepare your ID, second ID document, bank account, and smartphone—apply from home without needing to visit a bank.

SinoPac Sub-Account: Link Your Existing Bank Account for Settlement

SinoPac Securities' Dahootou launched the "Funds Management Account (Sub-Account)" tool.

What is a sub-account?

Think of the sub-account as:

Keeping your original bank account and linking it to your securities account.

Suppose you currently have a Taishin Richart account where your part-time salary is deposited.

The SinoPac Sub-Account acts like a virtual vault. You don’t need to open a new bank account—just link your existing bank account (e.g., the Richart account mentioned above) to SinoPac Securities Dahootou to directly conduct stock trading, fund deductions, and settlements.

SinoPac Sub-Account Supports 26 Banks

According to the official SinoPac Securities Funds Management Account website, the following banks are currently supported: Bank of Taiwan, Land Bank of Taiwan, Cooperative Bank, First Commercial Bank, Hua Nan Bank, Chang Hwa Bank, Shanghai Commercial & Savings Bank, Taipei Fubon Bank, Cathay United Bank, Kaohsiung Bank, Mega International Commercial Bank, O-Bank, Taiwan Business Bank, Taichung Bank, Hua Tai Bank, Shin Kong Bank, Sunshine Bank, Far Eastern International Bank, Yuanta Securities, SinoPac Bank, E.Sun Bank, Kaiji Bank, Taishin Bank, CTBC Bank, Next Bank, and Rakuten Bank.

If you use any of the banks listed above, you can directly link your account without re-opening.

Full Article: 【2026 College Student Account Opening】Complete Online Account Opening in Just 7.5 Minutes Using Your Existing Bank Account!

Can College Students Get Online Account Opening Promotions?

SinoPac Securities Dahootou’s latest online account opening promotion:

Promotion Period: July 1, 2026 – December 31, 2026

Eligibility: New customers only (excluding 98 accounts)

Opening Benefits: New account holders receive a 988 NTD gift reward

1. 200 NTD FamilyMart virtual gift card (limited to first 3,000 applicants); link a funds management account for an additional 100 NTD FamilyMart virtual gift card (limited quantity)

2. 30-day free trial of Fengxue PRIME (worth $688)

Online Account Opening Process for College Students

Step 1: Prepare Required Documents

- ID card

- Second ID: NHI card, driver’s license, or passport (choose one)

- Bank account information: SinoPac Bank account under your name; or use another bank to set up a funds management account

- Contact info: mobile number and email

Step 2: Identity verification and basic information entry

Step 3: Upload documents: ID front and back, second ID

Step 4: Link bank account

Step 5: Complete account opening

Get opening rewards: 200 NTD FamilyMart virtual gift; link funds management account (sub-account) for an extra 100 NTD gift card (limited) 【Learn More】