To open the savings bank account, the customer will require to download YONO app in his/her smartphone instead of visiting a bank branch. An individual who fulfils the eligibility criteria mentioned above can open and operate SBI Digital Savings account in his/her own name. Joint account or joint. Step 1: First, visit the official website of SBI. · Step 2: Go to Savings Account option and select the option 'Apply Now'. · Step 3: Fill the required.