Most banks that open accounts online or over the phone conduct non-doc identity verification. Usually a 3rd party vendor is brought in and the CIP info which is obtained over the phone is then screened against a database of the vendor's and based on the results, a score will be provided which indicates if the account should be opened or not.
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"100 victories in 100 battles isnt the most skillful. Subduing the other's military w/o battle is the most skillful." Sun-Tzu