the policy in 1996 at B of A was they only needed a utility bill to open an account. I don't know if that is changed now, but I doubt it.
You need a supposedly valid SS number.
All accounts are subject to going back to the treasury after three years when they go dormant.
Also interest is reported to the IRS and a interest form has to be cut for your taxes.
With all that, a utility bill wouldn't do it today.