You use a real identity. You can start with a first and last name. Then you find their ssn/dob (ssndob.so) ~$3. Obtain background + credit reports (can be bought for $40-$60 or done yourself). Use the algorithm corresponding target's state of residence to generate a drivers license number (easy to find for most states or simply use someone elses by posting a job listing on craigslist requiring drivers license scans). You use all of this information to apply for a bank account. Banks don't have access to your individual DL #, but they can check the algorithm. Sometimes they will ask you about previous cars you have owned. This can be found usually by getting auto-insurance quotes. Credit report will provide summary of assets and all bank accounts. Good background report (lexisnexus is good) will provide all required info. You need a phone number to pass verification, use google voice account(cost $5 on alphabay). Send the debit card to a drop...

Too tired to write the rest. Maybe in a pm later.