I cannot find my Account Balance Online.

You have the wrong website. This a site to help people with debt issues and such. This is not a bank or other type of loan company or debt collection agency.

I am trying to find out how much I owe so that I can pay it off and open a bank account?

Robert, are you addressing your inquiry to a specific creditor? If so, this is not the correct site. This is a forum to help people get out of debt, not a creditor.

Or are you just seeking general information about figuring out what is on your credit report or your chexsystems report so that you can clear it up?