How to Open a U.S. Business Bank Account and Get a Credit Card as a Non-Resident?
Open a U.S. Business Bank Account and Get a Credit Card as a Non-Resident
U.S. banking remains the gold standard for global trade, e-commerce, and financial credibility. Having a U.S. business account allows you to receive payments in dollars, connect with American clients and platforms, and manage funds efficiently. Adding a U.S. business credit card extends that advantage, providing short-term liquidity, higher limits, and access to world-class reward programs.
Why Open a U.S. Business Bank Account as a Non-Resident
Benefits of a U.S. Business Credit Card
Step-by-Step: How Our Remote Setup Works
- Provide your passport, proof of address, and business ownership details through our secure intake form.
- We register your U.S. LLC or corporation and obtain an Employer Identification Number (EIN) from the IRS.
- We assign a nominee director if required by the chosen bank for compliance and presence purposes.
- We prepare and submit the business bank account application with all supporting KYC and corporate documents.
- Once approved, we assist in funding and activating your account, followed by business credit card onboarding.
- You receive your login credentials, routing and account numbers, and a physical or virtual credit card shipped to your registered address.
What Is a Nominee Director?
A nominee director is an appointed professional who represents the company within a specific jurisdiction for regulatory or administrative purposes. The nominee’s role is not to control or own the company but to meet legal requirements such as having a resident director or authorized representative. This arrangement allows non-residents to operate a U.S. business while remaining compliant with corporate laws and banking KYC standards.
In our structures, the nominee director acts under a formal agreement that limits their authority strictly to administrative functions. You remain the ultimate beneficial owner and retain full control of your company’s decisions, finances, and operations. The nominee serves as your local point of contact for banks, auditors, and regulatory agencies when required.
Frequently Asked Questions
Yes. The entire process is remote. All verification and KYC steps are completed through certified agents and regulated partners without any travel.
We provide a verifiable U.S. business address that meets bank requirements. You can maintain your existing international contact details for communication.
Yes. Most banks issue both physical and virtual cards. The physical card is shipped to your registered business address.
Average approval time is three to six weeks, depending on the bank’s compliance review and your country of residence.
Yes. We operate under strict AML and KYC procedures with partner banks and fintechs registered in the United States. All structures are transparent and beneficial ownership is fully disclosed.
Open Your U.S. Business Bank Account Remotely
Begin your U.S. banking setup today. Our team will handle company formation, EIN registration, nominee director appointment, and remote bank onboarding.
Start Your ApplicationFinancely acts as an arranger and compliance facilitator for international clients seeking U.S. banking and credit access. We are not a bank. All accounts and cards are issued by regulated financial institutions in the United States. Approval is subject to partner due diligence, KYC, and AML checks.
Get Started With Us
Submit Your Deal & Receive a Proposal Within 1-3 Working Days
Submit your deal using our secure intake form, and receive a quote within 1-3 business days. Existing clients can connect with their relationship manager through our secure web portal.
All submissions are
promptly reviewed, and all communications are conducted through the intake form or the client portal for a seamless and secure process.
Thank you for considering working with us. A nominal fee of US$500 is required upon completion of each form. This fee covers the time and effort we invest in reviewing your submission and crafting a thorough proposal. We receive numerous inquiries and prioritize those that carry this fee, ensuring serious applicants receive prompt attention.
Trade Finance
Tap into solutions like letters of credit, bank guarantees, and payment facilitation. We address the challenge of global transaction risk through structured strategies that foster cross-border growth. Complete the form to unlock streamlined funding aligned with your commercial objectives.
Submit a RequestProject Finance
Access non-recourse funding for infrastructure, renewable energy, or other capital-intensive ventures. We mitigate capital constraints by isolating project assets and focusing on risk management. Provide your details to receive a structure that drives growth and maximizes returns.
Submit a RequestAcquisitions
Secure financing for business or real estate acquisitions. We ease transaction hurdles by reviewing cash flow, synergy opportunities, and exit plans. Complete the form for a customized proposal that supports your strategic investment objectives.
Submit a RequestFor Banks
Financely assists banks facing Basel III pressures by distributing trade finance deals and providing collateral for letters of credit. We reduce capital burdens while preserving client relationships and fostering service expansion. Submit your request to optimize your trade finance offerings.
Submit a RequestOnce we receive your submission, our team will review your information to determine feasibility. If eligible, you will receive a proposal or term sheet within 1–3 business days. Visit our FAQ and Procedure pages for more information.
Disclaimer: Financely provides financing based on due diligence and feasibility. Approval is not guaranteed, and past performance does not predict future outcomes. All terms are subject to review. Financely primarily assists with structuring and distribution. Qualified parties carry out the project if the client approves the proposal.
