05/12/2026
Non-resident founders can open a US business bank account remotely, but many struggle with getting approved.
Here's what you actually need, and what to compare before you choose a provider.
Every provider will ask for:
- Company formation documents
- Your EIN
- Valid passports for all owners and authorized signers
Have these ready before you apply. Incomplete applications cause the most common delays.
What to compare between providers:
- Fees: monthly charges, wire costs, currency conversion rates
- Supported countries: not all providers accept founders from every country
- Bookkeeping integrations: does it connect with your accounting software?
- Payment processor compatibility: Stripe, PayPal, and others vary by provider
- Multi-currency options: can you hold and send in multiple currencies?
Three providers worth considering:
Wise Business: best for multi-currency needs and international transfers
Relay: strong bookkeeping integrations, no monthly fees
Mercury: popular with startups, strong payment processor integrations
The right account depends on your specific business model, not just what's most popular in founder communities.
We've helped founders from 50+ countries set up their US business banking. It's included in our company formation package, along with an EIN, a registered agent, an Operating Agreement, and compliance support.
Ready to get your US LLC set up from start to finish? DM us today.