Mercury is one of the best US business banks for non-resident founders – but you need a US LLC and EIN to qualify. We handle both in one service.
Includes US LLC formation + Mercury account assistance. Mercury itself has no monthly fee.
Get My US LLC + Mercury AccountDelaware or Wyoming LLC filed same-day. Certificate in 1–5 days.
Employer ID applied for using the IRS SS-4 non-resident route.
Account application submitted with all KYC documents.
Mercury account open and first transfer guidance provided.
Yes, but Mercury requires a US LLC or corporation. Non-residents without a US entity cannot open Mercury directly. Once you have a US LLC with an EIN, you can apply online from anywhere in the world.
Mercury verifies the company documents (articles of organisation, operating agreement), your EIN, and the identity of all beneficial owners (anyone owning 25% or more). You will need a government-issued ID and may need to complete a video KYC.
Mercury is a fintech company (not a chartered bank itself), but it partners with regulated US banks (Choice Financial Group, Evolve Bank & Trust) to provide FDIC-insured accounts.
Mercury declines some applications, particularly for high-risk industries or complex ownership structures. We have alternative recommendations ready: Relay, Brex, and Wise Business are common alternatives for non-residents.
Yes. Mercury integrates directly with Stripe for instant payouts and is popular with Stripe-dependent businesses for this reason.
Fixed price, real-time tracking, and expert handling — from first document to final approval.
Get My US LLC + Mercury Account