Open a U.S. Bank Account and Accept Payments Globally
LLC Buzz provides expert guidance to help you open accounts with trusted financial platforms like Mercury, WISE, and Payoneer. Our team is here to make the process seamless and efficient, ensuring your business has the financial tools it needs to thrive globally.
U.S Bank Account
Why Choose Us? |
Easy Application
Opening a U.S. business bank account is simple and straightforward with our online application process.
Trusted Financial Partners
Make informed choices with reliable partners like WISE, Payoneer, and Mercury, tailored to your business needs.
Guided Support
Receive personalized assistance at every step, ensuring a smooth and successful account setup, especially for non-U.S. residents
Ensuring Compliance
Stay compliant with a business bank account, essential for maintaining accurate financial records and meeting tax obligations.
Streamlined U.S. Bank Account Setup
Simplify your U.S. business transactions with a customized bank account solution for e-commerce businesses, freelancers, and startups.
Micahguru Formations partners with top providers like Mercury, WISE, and Payoneer to help you manage international transfers and keep your business and personal assets organized with ease.
Frequently Asked Questions
No, you don’t need a U.S. partner. The U.S. allows non-residents to register a company from anywhere in the world. You can use a Registered Agent like Micahguru Formations to incorporate your company easily without needing a local partner.
Non-U.S. residents can open business bank accounts with several financial institutions. Our partner banks include:
- Mercury
- Wise
- Payoneer
- Novo
- Revolut
- Zyla
If you have a U.S. partner or relative, you may also be able to open a traditional street bank account with Bank of America, Chase Bank, or similar institutions.
Opening a physical bank account as a non-U.S. resident requires:
- A U.S. company (LLC or Corporation)
- An EIN (Employer Identification Number)
- A U.S. mailing address or virtual office
- Some banks may require an ITIN (Individual Taxpayer Identification Number)
For a traditional bank account, you might need to visit a U.S. branch in person. Some banks also allow online applications for non-residents.
Several fintech banks and neobanks offer business debit and credit cards for U.S. companies owned by non-residents, including:
- Mercury (Business debit card)
- Wise (Business debit card for international transactions)
- Novo (Business debit card)
- Revolut (Business debit and credit cards with flexible features)
Physical cards are usually only available for businesses operating within the U.S.
Each digital bank has its own advantages:
- Mercury – Best for startups with no monthly fees and easy account setup.
- Wise – Best for international businesses needing low-cost foreign transactions.
- Novo – Best for small businesses and freelancers with built-in integrations.
- Revolut – Best for global entrepreneurs needing multi-currency support.
Your choice depends on your business needs, transaction volume, and international banking requirements.
Traditional banks like Bank of America, Chase, and Wells Fargo offer business loans. However, they often require a U.S. presence and a strong business credit history.
Some alternative lenders provide funding to non-resident business owners:
- BlueVine – Offers credit lines to small businesses.
- Fundbox – Short-term business funding.
- OnDeck – Small business loans with flexible repayment options.
- Payoneer Capital Advance – Available for e-commerce sellers.
Having a U.S. business entity, EIN, and financial history improves your chances of securing a loan.