You don't need to fly to America to open a US business account. Here's exactly how to do it remotely as a non-resident LLC owner.
The traditional path to a US business bank account requires walking into a Chase or Bank of America branch with your LLC documents — something non-resident founders cannot easily do. The fintech revolution has largely solved this problem: Mercury, Relay, Wise Business, and Bluevine all offer fully remote account opening for non-resident LLCs. However, each has different acceptance criteria, and applying without knowing which platform suits your profile leads to wasted time and unnecessary rejections that may complicate future applications.
The gold standard for remote US LLC banking. Apply online with your EIN, LLC documents, and passport. FDIC-insured through choice of partner banks. Integrates with Stripe, PayPal, Brex, and accounting software.
Wise provides a US routing number and account number for receiving ACH and Stripe payouts. Not a traditional bank but highly accessible. No US visit required. Excellent for currency conversion.
Mercury alternative with sub-account functionality. Good for agencies and professional services firms with multiple client billing streams. Remote application, no US visit.
Business checking with interest on balances. Remote application for non-resident LLCs with established businesses.
Nomadic Go helps you identify the best-fit US banking option for your profile, prepare all documents to bank standard, and manage the application through to completion. We handle EIN verification issues, document formatting, and follow-up with compliance teams. Approval is at the bank's discretion.
Mercury typically reviews applications in 2–7 business days. Enhanced review cases may take up to 3 weeks.
Yes. Mercury integrates directly with Stripe and supports ACH payouts in USD to your Mercury account.
Mercury does require a phone number for two-factor authentication, but it can be a non-US number. You can use a US virtual number (Google Voice, etc.) if preferred.
Wise is an EMI (electronic money institution), not a FDIC-insured bank. However, it provides real US routing and account numbers that work for receiving ACH transfers and Stripe payouts. For most non-resident LLC banking needs, Wise is functionally equivalent.
Some providers open accounts for newly formed LLCs, but your chances improve significantly with 30-60+ days from formation, an active website, and some evidence of business activity. Mercury and Relay are the most flexible on entity age. Having an EIN ready from day one improves outcomes.