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Opening a bank account in the United States for a non-US resident can be difficult. There are many requirements and the language barrier can be a concern.
When you apply to open a business account with a U.S. bank, the bank must verify your personal information (last name, first name, date of birth, mailing address, and EIN number).
Thus, if you are a non-US resident, the identification requirements are different from those for a US citizen. In addition, not all U.S. banks offer the possibility for a non-resident to open an account with them.
However, opening a bank account in the United States is essential when you wish to incorporate a U.S. LLC to conduct your business. Our experts are committed to accompany you throughout the process of opening your bank account with an American bank. All the offers of Expert LLC USA (from the basic offer to $459) propose an accompaniment to the opening of a bank account in an online bank. Our partners (Mercury, Relay Financials or Wise Bank) are present.
It is also possible to open a bank account in a physical bank (JP-Morgan Chase, Bank of America or Wells Fargo). This opening of a bank account for a non-resident is charged extra and is subject to a quote.
To open an online business bank account in the US for a non-resident, you will need to provide details of your business activities and all the supporting documents requested by the banking institutions.
Some physical banks require a non-US resident to go to the US to open a business bank account.
In addition, it is common for U.S. banks to require a business address dedicated to your professional activity. You would then have to provide proof such as a copy of the lease, rent receipts...). In all our creation offers, we provide such an address for free.
Most of the time, American banks require a business that is already up and running in order to open an account with them. This means that if your business is just launched, you will most likely be refused by the physical banks (some require minimum deposit conditions).
The requirements may differ depending on the state in which you wish to open your account and also on the bank.
In any case, whether you are a US resident or not, you must be 18 years old to open an account and have a US address. The essential requirement in addition to the previous two is to have an EIN number.
If you are about to open a bank account in the United States, the first question to ask yourself is whether you want to proceed via an online bank or a traditional physical bank. If you choose an online bank, ExpertLLCUSA.com has had partnerships for several years with Wise Bank, Mercury Bank or Relay Financials. On the contrary, if you prefer to open your account with a physical bank, JP Morgan Chase and Bank of America also place all their trust in our experts with whom they have been working for several years in order to make your projects come true.
Our specialists are committed to assist you throughout the account opening process. Thus, we will send you the list of documents to provide (identity documents, EIN number, copy of legal documents of your company). To open a bank account in the United States for your LLC, it is necessary to have an EIN number, if you do not have it, ExpertLLCUSA.com proposes to obtain it for you in less than 48 hours.
If you have already tried to open an account and have been refused, our experts are at your disposal to resume your current steps. This would also be an opportunity to audit your legal documents (operating agreement, articles of organization ...).
We are aware that opening a bank account in the United States for a non-US resident may require a significant effort. However, this is essential for the activity of your LLC, so don't hesitate to make an appointment with our specialists in order to open your bank account in all serenity.
