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How to Open a U.S. Business Bank Account as a Non-Resident 🏦🚀

  • monmonq1
  • Feb 28
  • 2 min read

Opening a U.S. business bank account is essential for LLCs, corporations, and non-residents looking to do business in the U.S. But without a Social Security Number (SSN), how do you do it fast & hassle-free? Let’s break it down.



💰 Why You Need a U.S. Business Bank Account

✅ Accept Payments Easily – Stripe, PayPal, Amazon, & U.S. clients✅ Simplify Taxes & Finances – Keep business & personal finances separate✅ Boost Business Credibility – Work with U.S. partners & suppliers✅ Access U.S. Banking & Credit System – Build financial history for funding



📝 Step-by-Step: How to Open a U.S. Business Bank Account

1️⃣ Register Your U.S. Business

✔ LLC or Corporation – Register in a business-friendly state (Wyoming, Delaware, Florida)✔ Get an EIN – Apply for a U.S. Employer Identification Number (EIN) from the IRS

📌 Non-Residents: No SSN required! You can still apply with an EIN.



2️⃣ Choose the Right Bank for Your Business

🏦 Traditional Banks (In-Person Visit Required)🔹 Chase, Bank of America, Wells Fargo – Best for local businesses with a U.S. presence

💻 Online Banks (Fully Remote, No U.S. Visit Needed)🔹 Mercury, Relay, Wise – Best for non-residents & remote businesses



3️⃣ Gather the Required Documents

📌 You’ll need:✔ Business Formation Documents (LLC/Corp Registration)✔ EIN Confirmation Letter from the IRS✔ Passport or Valid ID (for non-U.S. owners)✔ U.S. Address or Virtual Business Address (some banks require this)



4️⃣ Apply for a U.S. Business Bank Account

🔹 For Traditional Banks – Schedule an in-person appointment in the U.S.🔹 For Online Banks – Apply 100% remotely and get approved in minutes



🏆 Best U.S. Banks for Non-Residents & LLCs

For Non-Residents (No U.S. Visit Needed)

✅ Mercury Bank – No fees, best for startups 🚀✅ Relay Financial – Supports multiple accounts, no SSN required 🔄✅ Wise Business – Multi-currency transactions, great for international businesses 🌎

For Local U.S. Businesses (In-Person Visit Needed)

✅ Chase Business Complete Banking – Best for cash transactions 🏦✅ Bank of America Business Advantage – Strong credit & lending options 💳



📌 Final Tips for a Smooth Application

✔ Pick the right bank – Traditional banks need a U.S. visit, online banks don’t✔ Ensure tax compliance – EIN + proper IRS filings required✔ For a hassle-free setup – Online banks like Mercury & Relay are the best choices

🚀 Need a U.S. business bank account? Open one remotely with Mercury or Relay today!


Contact us 👍

What’s app : +44 7451222110

Telegram: +66 936825227

 
 
 

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