How To Open a U.S. Business Bank Account as a Non-Resident in 2025 (Without Neobank Roulette)
How To Open a U.S. Business Bank Account as a Non-Resident in 2025
You don’t need to gamble on one or two fintech apps. The straight path is a real U.S. footprint: a company that banks can verify, tax IDs that check out, a qualified person who can sit in a branch, and a file that answers KYC questions before they’re asked. We handle the whole thing—formation, EIN/ITIN, Beneficial Ownership Information (BOI) filing, a nominee director to attend the branch meeting, a commercial address with phone answering and mail handling, and a multi-bank plan so one review doesn’t stall your business.
Why Not Just Neobanks
Fintech accounts (e.g., Mercury, Relay) help many founders, but they’re only a slice of the market and policies can change. The U.S. has thousands of banks and credit unions, each with different onboarding rules and card programs. Limiting yourself to a handful of apps means fewer options, thinner card offers, and less leverage when you need a banker who can act.
Our Method: Set a Real U.S. Footprint
Multi-Bank Strategy Beats “One App” Banking
We shortlist 8–15 banks or credit unions by state, industry, balances, and activity. You get redundancy, better odds on limits and perks, and fewer headaches if one provider runs a review. Sticking to three to five apps leaves money on the table.
What You Provide
- Passports and address proofs for owners and directors
- Ownership chart and basic company info
- Website or product deck and a short activity plan (who pays you and how much)
- Early contracts or invoices that explain first inflows
Process
- Formation & IDs. We set up the entity, file BOI, get EIN/ITIN.
- Bank Pack & Branch. We prepare the file and schedule the nominee for the banker meeting.
- Open Accounts. Primary account first, then a backup; online banking and cards as eligible.
- Aftercare. Mail handling, phone answering, and updates as banks ask for refreshes.
Start Your U.S. Banking Setup
Apply now. We’ll review your file and confirm the banks that fit your profile before scheduling the branch visit.
Apply For U.S. Account OpeningCompliance
- Transparency. Beneficial owners are disclosed to banks and via BOI filings. The nominee is for logistics, not concealment.
- KYC/AML/Sanctions. All parties and flows must pass screening. High-risk activity is declined.
- No Legal or Tax Advice. We set up IDs and filings in scope; you remain responsible for ongoing tax and reporting in the U.S. and at home.
- Best-Efforts. Banks make the final call on approvals, limits, and cards.
We are an arranger and advisor, not a bank or lender. Services are subject to engagement, screening, and third-party decisions. Pay only to bank details on our official invoice.
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.
