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

Opening a U.S. business bank account as a non-resident is essential for receiving payments, paying expenses, and building financial credibility. Here’s how to do it without a Social Security Number.

Why You Need a U.S. Bank Account

A U.S. bank account allows you to receive payments from U.S. customers, pay for services, manage payroll, and integrate with payment processors like Stripe. It also establishes financial credibility and separates personal from business finances.

Best Banks for Non-Residents

Mercury: The most popular choice for startups and international founders. Fully online application, no minimum balance, and excellent integration with accounting tools.

Relay: Great for businesses that need multiple accounts for budgeting. Free plan available with no minimum balance requirements.

Wise Business: Ideal if you need multi-currency accounts. Lower fees for international transfers and competitive exchange rates.

Documents You’ll Need

• EIN (Employer Identification Number)
• Articles of Organization or Certificate of Formation
• Operating Agreement
• Valid passport or government-issued ID
• Proof of business address (your registered agent address works)
• Company formation documents

Step-by-Step Process

1. Form your LLC and obtain your EIN first

2. Gather all required documents

3. Apply online through your chosen bank

4. Complete identity verification (usually done remotely)

5. Fund your account with an initial deposit

6. Set up online banking and integrate with your tools

LLCGATE handles the bank account setup as part of our Startup and Business packages — we guide you through the entire process.