US Formation
100% Remote Banking

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

1

Company Formation

First, we register your US LLC or Corporation and obtain all banking documents. This is required for banking.

2

Document Preparation

We prepare all required banking documents including Articles of Organization, tax documents, and operating agreements needed for your banking application.

3

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

Mercury

Digital Business Banking

Free checking & savings, no minimum balance
Up to $5M FDIC insurance (20× standard limit)
Mercury Treasury yield: up to ≈4.36% net
Free domestic & USD international wires
1% FX fee on 40+ currencies
Unlimited cards + 1.5% cash-back credit card
Integrates with Stripe, QuickBooks, Slack

Preferred by high-growth & venture-backed tech companies

Relay

Relay

Money Management Platform

No monthly/overdraft fees (Starter plan)
Zero minimum balances
Up to 20 checking + 2 savings accounts
Tiered savings APY: 1.03% to 3.03%
Up to 50 free Visa® debit cards per business
Free ACH, wires from $5-$8
Free access to 55,000+ Allpoint ATMs

Ideal for businesses needing many sub-accounts & granular spend controls

Wise

Wise

Multi-Currency Account

Free to open, no monthly fees or minimums
Send money from ≈0.48% at real FX rates
Hold 40+ currencies, send to 160+ countries
Local account details in 22 currencies
Earn 3.92% APY on USD balances
USD wire payments cost $6.11
Connects to Amazon, Stripe, PayPal, Shopify

Perfect for international businesses

Traditional Banking Options

For those who can visit the US in person

Major US Banks

Chase, Bank of America, Wells Fargo, Citibank

Advantages:
Extensive branch networks
Full-service banking relationships
Business credit and loan options
Established banking history
Requirements:
In-person visit required
Higher minimum deposits ($1,000-$25,000)
Monthly maintenance fees ($15-$35)
More extensive documentation

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'll use your business 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 Bank, for example, has no minimum balance requirement.

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.

Banking assistance included • No hidden fees • Expert guidance