Open Your US Business Bank Account

Yes, from most countries. Several providers accept international LLC owners without an SSN, a visa or a US home address, including Mercury, Wise Business, Bluevine and Lili. Each one decides by where you live, so the right choice depends on your country. With an eligible provider, the application is fully remote.

We guide you to providers that accept owners from your country. Mercury serves most countries but not all, and excludes some by residence, including Nigeria, Pakistan and the Philippines. Wise Business supports US LLCs without an SSN. Bluevine accepts owners living in 25 countries, and Lili accepts citizens of about 20. Our bank account checker shows which ones fit where you live.

Not with the providers that accept non-residents. Mercury, Wise Business, Bluevine and Lili open accounts for eligible international owners without one. Some providers do require one: Relay’s help center says every owner needs an SSN, and Novo and Bank of America’s online application are for US residents.

Once your LLC is formed, bank account approval is handled by the provider, and timing varies by provider and applicant. We guide you through the entire process to ensure a smooth application.

You'll need documents including your Articles of Organization (LLC formation documents), a valid passport, and a business address. Most providers do not accept a registered agent address as the business or operating address, so expect to give your home address abroad. The formation documents come with our LLC formation package.

Yes. The remote providers offer online banking and mobile apps, so you can manage your account, transfer funds, pay bills, and monitor transactions from abroad.

A US business account typically supports ACH transfers, domestic and international wires, debit card payments, and bill pay. Features vary by provider: for example, Wise is not a bank, and Mercury holds USD only.

The remote providers, including Mercury's free plan, Bluevine Standard and Lili Core, have no minimum balance. Traditional banks such as Chase and Bank of America charge a monthly fee that a minimum balance is one way to waive. We'll help you choose a provider that fits your business needs and budget.

Yes, most providers issue a business debit card for business expenses, online purchases, and ATM withdrawals. Whether a physical card ships to an address outside the US depends on the provider, so check before you apply. Virtual cards work straight away.

A standard US business account can receive Stripe and PayPal payouts. Mercury receives Stripe payouts by ACH, and Lili states it syncs with both Stripe and PayPal. Stripe supports Wise as a payout account but warns of a higher failure rate.