Open Your US Bank AccountWithout Visiting the US
Get a real US business bank account for your LLC or Corporation. No US address required, no SSN needed. Open remotely from anywhere in the world with our banking assistance.
Banking assistance included • No setup fees • Expert guidance
How We Help You Open Your Account
Our banking assistance makes the process simple and straightforward
Company Formation
First, we register your US LLC or Corporation and obtain all banking documents. This is required for banking.
Document Preparation
We prepare all required banking documents including Articles of Organization, tax documents, and operating agreements needed for your banking application.
Banking Application
We guide you through the online banking application process with our recommended business-friendly banks that accept non-US residents.
What You Need
Required Documents:
- Copy of your passport
- Proof of address from your home country
- Business tax documents (we provide)
What You DON'T Need:
- US address or physical presence
- Social Security Number (SSN)
- US credit history
- Minimum deposit requirements
Recommended Banking Partners
We work with business-friendly banks that welcome international entrepreneurs
Mercury
Digital Business Banking
Preferred by high-growth & venture-backed tech companies
Relay
Money Management Platform
Ideal for businesses needing many sub-accounts & granular spend controls
Wise
Multi-Currency Account
Perfect for international businesses
Mercury disclosures
[1] Banking services and FDIC insurance
Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. FDIC deposit insurance covers the failure of an insured bank. Deposits in checking and savings accounts are FDIC-insured through Choice Financial Group and Column N.A. and their Sweep Program Network Banks. Certain conditions must be satisfied for pass-through FDIC insurance to apply. Learn more here.
[2] Mercury Treasury yield, fees, and investment risks
Mercury Treasury is designed to earn yield on idle cash up to 3.61% annually. This yield is based on the 30-day SEC Yield for MULSX as of 05/31/2026, and assumes total Mercury deposits of $20M+. Treasury accounts are subject to a monthly fee of 0.15%–0.60%, based on total Mercury balances.
Mercury Treasury is offered by Mercury Advisory, LLC, an SEC-registered investment adviser (“Mercury Advisory”). This communication does not constitute an offer to sell or the solicitation of an offer to buy any security. All Brokerage and Clearing services are provided by, and securities are offered through Apex Clearing Corporation, an SEC-registered broker dealer and member FINRA/SIPC. Treasury accounts are not FDIC insured, are not bank deposits, are not guaranteed by Choice Financial Group or Column N.A., and may lose value. Please review Mercury Advisory’s ADV Wrap Fee Brochure for more detail.
Mercury Treasury products are subject to investment risks and past performance is not indicative of future results. Please see full disclosures at mercury.com/treasury. Mercury Advisory is a wholly-owned subsidiary of Mercury Technologies, Inc.
Traditional Banking Options
For those who can visit the US in person
Major US Banks
Chase, Bank of America, Wells Fargo, Citibank
Advantages:
Requirements:
Best for: Businesses planning significant US operations, need for extensive banking services, or those who can easily visit the US for account opening and ongoing management.
Banking Questions & Answers
Can I really open a US bank account without visiting the US?
Yes! Our partner banks allow non-US residents to open business accounts completely online. You'll need your company formation documents (which we provide) and personal identification documents.
Do I need a Social Security Number (SSN) to open a business bank account?
No, you don't need an SSN. You can use your business EIN (Employer Identification Number) or other tax identification documents, plus your personal tax ID from your home country.
How long does it take to open a bank account?
Once your company is formed and you have all required documents, the banking application typically takes 1-2 weeks for approval. We guide you through the entire process.
Are there minimum deposit requirements?
Most of our recommended banks have low or no minimum deposit requirements. Mercury, a fintech company rather than a bank, has no minimum balance requirement for checking and savings accounts.
Can I connect payment processors like Stripe and PayPal?
Yes! Having a US company with a US bank account significantly improves your approval chances for payment processors and often provides better rates than international accounts.
What if my banking application is rejected?
We work with multiple banking partners and will help you apply to alternative banks if needed. Our experience helps maximize approval chances from the start.
Ready to Get Your US Bank Account?
Banking assistance is included in our complete $399 package. We handle company formation and guide you through the banking process.