Free Eligibility Check
Bank Account Eligibility Checker
Find out which US business bank accounts you can open based on your country and documentation.
5 bank options
Document checklist
Timeline estimate
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Where are you located?
Your country of residence determines which banks and documentation requirements apply.
Do you have a US LLC?
A registered US LLC is required to open a business bank account.
What documents do you have?
Select all that you currently have.
You need a US LLC first
A registered US LLC is required to open a business bank account. StartGlobal handles the entire process for $599, including EIN, registered agent, and bank account setup.
Form Your LLC + Get Bank AccountBanks You Can Open
Document Checklist
Estimated Timeline
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LLC formation, EIN, registered agent, and bank account setup included.
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Frequently Asked Questions
Can I open a US bank account without an SSN?
Yes. Fintech banks like Mercury and Relay accept non-residents without an SSN or ITIN. Traditional banks like Chase and Bank of America typically require an ITIN, which you can apply for through the IRS.
Do I need to visit the US to open a business bank account?
Not for fintech banks. Mercury and Relay allow fully remote account opening. Traditional banks generally require an in-person visit to a branch, though some have started accepting remote applications for business accounts.
How long does it take to open a US business bank account?
Fintech banks: 1-3 business days for approval. Traditional banks: 1-2 weeks including in-person verification. Note that your EIN needs 3-5 business days to sync with the IRS database before banks can verify it.
Which bank is best for international founders?
Mercury is the most popular choice for international founders. It has no monthly fees, no minimum balance, accepts non-residents without SSN/ITIN, and integrates with Stripe, PayPal, and accounting tools. StartGlobal helps set up your Mercury account as part of the formation package.
What documents do I need to open a US bank account?
At minimum: your EIN, Articles of Organization, Operating Agreement, valid passport, and proof of address from your home country. Some banks also require a US phone number and business website. StartGlobal provides most of these documents as part of the LLC formation.