Setting up an LLC in the United States is a great step for entrepreneurs worldwide. But to truly operate your business, you’ll need a U.S. business bank account. For non-residents, this can be a bit tricky—but absolutely possible.
Here’s a clear, step-by-step guide to getting a business bank account in the U.S., even if you don’t live there
Why a U.S. Business Bank Account Matters
Having a U.S. bank account allows your LLC to:
- Accept payments from U.S. customers
- Pay for business expenses in USD
- Appear more professional and credible
- Comply with payment processors (like Stripe or PayPal)
Step 1: Form Your LLC and Get an EIN
Before applying for a bank account, you must:
- Form an LLC in your chosen state (e.g., Wyoming, Delaware, Florida)
- Get an EIN (Employer Identification Number) from the IRS
🔗 Apply for EIN with the IRS
Most banks require this number to verify your business identity.
Step 2: Prepare Your Documentation
Most U.S. banks will ask for:
- Your LLC’s Articles of Organization
- Your EIN letter from the IRS
- A U.S. address (This can be a registered agent’s address or a virtual mailbox)
- A passport or government-issued ID
Step 3: Choose the Right Bank
Here are three types of options available:
1. Traditional U.S. Banks
Banks like Bank of America, Chase, or Wells Fargo offer reliable services but typically require you to appear in person at a branch.
2. Fintech Banks (Online-Only)
These are ideal for non-residents who can’t travel to the U.S.
Top options:
- Mercury 🔗 https://mercury.com
- Relay 🔗 https://relayfi.com
- Wise Business 🔗 https://wise.com/business
They are easy to use, often require no U.S. visit, and support international founders.
3. International Banks with U.S. Branches
If you bank with HSBC or Citibank in your country, they may help you open a U.S. business account through their global networks.
Step 4: Apply Online or Travel to the U.S.
If you’re using a fintech like Mercury, you can complete everything online. If you’re going with a traditional bank, you’ll need to schedule an appointment and bring all original documents.
Extra Tip: Set Up a U.S. Virtual Address
To receive mail, bank statements, and legal documents, use services like:
- Earth Class Mail 🔗 https://www.earthclassmail.com
- iPostal1 🔗 https://ipostal1.com
Summary
Yes, you can open a U.S. bank account for your LLC, even as a non-resident. With the right setup and documentation, you don’t need to live in the U.S. or even travel there in many cases.
📌 Need help choosing the best bank or building your checklist?
Let me know your goals, and I’ll create a custom guide for your situation—fast and step-by-step.