A Guide to US Business Bank Accounts for Non-Residents

Without a physical US branch visit, opening corporate bank accounts was historically impossible. Today, modern financial tech platforms permit global founders to open US business checking accounts online.

Top Options: Mercury and Wise

Mercury and Wise Business are the two best online corporate banking solutions. Both allow non-US residents to apply entirely from home. You'll need your approved Articles of Organization, your IRS EIN Confirmation letter, and your passport.

Best Practices for Approval

Ensure your website details exactly what services or products you sell. Underwriters verify your website and business descriptions to ensure you comply with their anti-money laundering (AML) policies.