Open one now. If CIC ask for more proof in 6 months time you will have the bank account/statement and 6 months of transaction/history.Mainly it was people at my husbands bank branch. Ugh! When he was setting up his bank account a few years ago we asked if we could set it up as a joint account and the lady helping us said no, you have to be PR. So much for that! Now that we are submitting our application by the end of the month it wont make a difference since it wont be done on time, but at least we have lots of other proof..