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U.S. Bank Account Opening

Opening a U.S. business account as a non-resident isn't hard when the structure is right. The problem is rarely the bank — it's showing up with the wrong EIN, no Operating Agreement, or a bank that doesn't accept non-residents. We solve that before you apply.

We guide you through both the application and the onboarding — we don’t leave you alone at any step until the account is active.

Who it’s for

  • Non-resident founders who opened an LLC or C-Corp in the U.S. and need an operating account without traveling.
  • Foreign companies expanding operations or already billing U.S. clients.
  • E-commerce and SaaS that need to receive payments from U.S. platforms and processors.
  • Investors and holdings that need to separate assets and operate through corporate accounts.

Which account suits you

Most clients need a business checking — the operating account you use to collect, pay and invoice. If your business is e-commerce or SaaS and you charge by card, we add an account that connects with Stripe or your processor. If you manage surplus funds or collect in several currencies, that’s where savings or multi-currency accounts come in.

We get your file right before you apply

Most bank rejections come from a poorly assembled file or the wrong structure. We make sure your application arrives complete and correct.

  • Structure first — we confirm your entity and EIN are compatible with the bank before applying.
  • Complete KYC file — we prepare all the identity and company documentation the bank requires.
  • A bank that fits you — we connect you with the option, traditional or fintech, that accepts your residency profile and industry.

Business accounts we help you open

  • Business Checking — operating account to collect, pay and invoice.
  • Business Savings — reserve and manage your company’s surplus funds.
  • Merchant / payment accounts — to receive card payments (Stripe, integrations).
  • Multi-currency / IBAN accounts — to operate internationally.

Requirements we prepare

  • EIN (Employer Identification Number) with the IRS.
  • Articles of Organization / Incorporation and Operating Agreement.
  • Beneficial owner identification (KYC) and, if applicable, ITIN.
  • Proof of company address and registered agent.

Choosing the right bank

  • Traditional banks — in-person or remote opening, depending on the bank.
  • Neobanks / fintech for non-residents — 100% online opening (Mercury, Relay and similar).
  • We compare fees, residency requirements and compatibility with your industry.
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