Starting a Limited Liability Company (LLC) in the United States is a smart move for global entrepreneurs. But to run your U.S. business smoothly—especially if you’re managing it from abroad—you’ll need a U.S. business bank account. The good news? Yes, you can open one, even if you’re not a U.S. resident.
In this guide, we’ll walk you through the exact steps, options, and tools to open a business bank account for your LLC—without ever setting foot in the U.S.
🌎 Why Non-Resident LLC Owners Need a U.S. Business Bank Account
If you plan to:
- Receive payments from U.S.-based clients or platforms like Stripe, PayPal, or Amazon
- Pay for services in USD
- Build credibility with American customers
- Comply with U.S. business operations
…then a U.S. business bank account is essential.
🛠️ Step-by-Step: How to Open a U.S. Business Bank Account From Abroad
1. Form Your LLC First
You’ll need to form an LLC in a U.S. state like:
- Wyoming (great for privacy and low fees)
- Delaware (famous for startups and investors)
- Florida (popular and affordable)
2. Get an EIN from the IRS
You need an Employer Identification Number (EIN)—this is like your LLC’s tax ID.
Apply online or use a service provider:
3. Prepare the Required Documents
Here’s what most banks will request:
- Your LLC’s Articles of Organization
- The EIN letter from the IRS
- A U.S. business address (can be a registered agent or virtual address)
- Your passport or national ID
- Your Operating Agreement (recommended)
4. Choose the Right Bank
🔹 A) Traditional U.S. Banks (In-Person Required)
If you can travel:
- Bank of America
- Chase
- Wells Fargo
✅ Strong presence and reputation
🚫 You must visit a U.S. branch
🔹 B) Online Banks (Ideal for Non-Residents)
No U.S. address? No problem. These banks support non-resident LLCs and can be opened 100% online:
| Bank | Features | Website |
|---|---|---|
| Mercury | Fast, built for startups | mercury.com |
| Relay | No fees, powerful dashboard | relayfi.com |
| Wise | Global banking, low FX fees | wise.com/business |
🔹 C) International Banks With U.S. Branches
If you already bank with:
- HSBC
- Citibank
Ask your local branch if they can help open a U.S. business account through their international programs.
5. Use a U.S. Virtual Business Address
You’ll need an address for:
- IRS & state mail
- Receiving bank statements
✅ Top providers:
✅ Pro Tips
- Open your bank account after your LLC is approved and EIN is issued
- Keep copies of all legal and tax documents
- Maintain separate personal and business finances
- Hire a CPA to stay compliant with U.S. tax laws
🧾 Summary: Yes, You Can Open a U.S. Bank Account for Your LLC as a Non-Resident
It’s not only possible—it’s increasingly easy, thanks to fintech banks designed for remote founders.
📌 Need help choosing the best bank, state, or forming your LLC?
I’d be happy to create a custom guide or checklist based on your goals.