Whether you are a domestic founder or an international entrepreneur, we prepare, manage, and coordinate your corporate banking applications across leading US financial institutions and digital platforms. Supporting founders from over 50+ countries.
Your information is secure and will only be used to respond to your inquiry.
Navigating the United States financial ecosystem requires rigorous compliance with FinCEN regulations, Customer Identification Programs (CIP), and Corporate Transparency Act rules. We act as your specialized corporate intermediary.
We organize your Employer Identification Number (EIN) validation letter (CP 575 or 147C), Articles of Organization or Incorporation, Operating Agreement or Bylaws, and proof of beneficial ownership to satisfy institutional compliance.
We assess your business model, cross-border transactional flows, and your country of residence to introduce you to institutions with a verified appetite for your profile.
Where permitted, we prepare and coordinate filings directly with underwriting officers. Where federal rules require the director to complete identity verification personally, we provide guided walkthroughs to avoid fatal application errors.
Opening a business account in the United States generally presents two distinct pathways: legacy FDIC-insured commercial banks and specialized fintech platforms operating in partnership with member banks.
Institutions like JPMorgan Chase, Bank of America, and Wells Fargo offer full-service commercial banking, global wire clearing via Fedwire/SWIFT, merchant processing, and treasury management. However, federal Know Your Customer (KYC) mandates traditionally require the authorized signer or company director to appear physically at a US branch with physical identity documents. Remote onboarding for non-resident directors at traditional national banks is extremely rare and typically restricted to private banking or wealth management divisions.
Technology platforms like Mercury and Relay partner with FDIC-insured institutions (such as Choice Financial Group, Evolve Bank & Trust, or Thread Bank) to offer remote onboarding, multi-currency accounts, and modern API access. These platforms are often viable for international founders operating US entities, though non-resident onboarding policies change frequently based on internal risk appetites and country-of-residence exclusions.
All timelines and onboarding allowances depend on risk assessments, business sector, and applicant residency. Final approval rests exclusively with the provider.
| Provider | Non-resident accepted? | Remote onboarding? | Local address/company requirements | Typical timeline |
|---|---|---|---|---|
| JPMorgan Chase | Yes (subject to strict compliance review) | No (in-person branch visit generally required) | US entity registered, physical US commercial address preferred, US EIN | 1 to 3 business days (post-branch interview) |
| Bank of America | Yes (case-by-case review) | No (authorized signer must visit branch in person) | US entity required, registered agent address not accepted for physical operations, US EIN | 2 to 5 business days (post-branch interview) |
| Mercury (Fintech / Partner Banks) | Yes (subject to geographic risk policies) | Yes (fully digital identity verification) | Active US LLC or C-Corp, valid US EIN, company operations acceptable globally (except sanctioned nations) | 3 to 7 business days (varies by compliance backlog) |
| Relay Financial (Fintech / Thread Bank) | Yes (subject to provider confirmation based on residency) | Yes (fully digital submission) | Active US LLC or C-Corp, US EIN, legitimate US business address profile | 2 to 5 business days |
| Wise Business (Money Transmitter / MSB) | Yes (depends on director's residency country) | Yes (online account creation) | US company or international company accepted; local US routing/account numbers provided | 2 to 4 business days |
| Airwallex (Fintech / Partner Banks) | Yes (requires provider confirmation for specific operating jurisdictions) | Yes (digital corporate onboarding) | US entity, substantial cross-border transaction volume, valid US EIN | 5 to 10 business days |
International founders who own or are establishing a US LLC or C-Corporation and require US USD clearing capabilities.
US domestic business owners seeking optimized account opening packages and corporate filings.
E-commerce merchants selling on Amazon US, Shopify, or Stripe who need direct ACH and domestic settlement routing.
Cross-border software (SaaS), consulting, and agency businesses billing US and international enterprise clients.
Founders from non-sanctioned jurisdictions seeking dedicated application preparation and documentary compliance.
Businesses operating in prohibited industries such as unlicensed crypto, adult entertainment, payday lending, or unregistered gambling.
Individuals residing in countries subject to OFAC sanctions or FATF blacklist jurisdictions (e.g., North Korea, Iran, Syria, Cuba).
Applicants seeking guaranteed approvals or trying to circumvent federal Anti-Money Laundering (AML) / KYC protocols.
Businesses without a verifiable commercial footprint, legitimate website, or clear source of business funds.
A US bank account requires an officially registered domestic legal entity and an IRS-issued EIN. If you have not yet incorporated, we coordinate end-to-end entity setup across Delaware, Wyoming, New Mexico, Florida, or any of the 50 US states. Explore our integrated services: our corporate formation and governance services to secure your Articles of Organization and state filings, or utilize our our corporate formation and governance services and professional corporate governance options where local compliance mandates apply.
We analyze your US corporate structure (LLC vs. C-Corp), state of incorporation, director residency, and business operations to determine candidate banks and EMIs.
We audit and format your Certificate of Good Standing, Articles, IRS EIN confirmation letter, certified passport copies, and operational contracts into an institutional-grade compliance package.
We submit your corporate records directly to target providers where authorized. For platforms requiring direct applicant identity capture, we prep the director for video and biometric KYC stages.
We handle supplemental information requests (RFIs) from bank compliance officers, monitor account underwriting, and support you until your account details, routing numbers, and online access are issued.
You do not need to be a US citizen or Green Card holder to own a US company or hold a US corporate bank account. However, US anti-money laundering frameworks require banking institutions to identify the Ultimate Beneficial Owners (UBO) holding 25% or more of the company. While a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) is advantageous, select digital business account providers permit non-resident founders to onboard using a valid international passport and an IRS-issued EIN. Traditional brick-and-mortar institutions generally mandate an in-person appearance by the foreign national director inside a branch location. We guide you through the differing rules governing director residency versus US corporate incorporation.
Supporting founders from over 50+ countries.
Founders operating from Germany, the UK, France, and Estonia structuring US subsidiaries to access US venture capital and Silicon Valley payment gateways.
E-commerce and SaaS operators based in Singapore, Australia, India, and Hong Kong requiring direct US ACH collections and Amazon US seller payouts.
Tech founders and exporters located in Brazil, Mexico, Colombia, and Argentina hedging against currency volatility with dedicated US Dollar accounts.
Entrepreneurs based in the UAE, South Africa, and Kenya managing global client billing with US LLC business profiles.
Everything you need to know about opening a corporate business bank account in United States.
