US Bank Account Opening Guide
Opening a US business bank account is one of the most critical steps after forming your company. For non-US founders, this process can feel complex due to compliance rules, address requirements, and bank verification checks.
EasyFiling simplifies this by guiding you through the correct structure, documentation, and bank options to maximize approval success.
Who This Guide Is For
- Non-US founders with a US LLC or C-Corp
- International startups needing Stripe-compatible banking
- Founders without a US SSN
- Businesses opening accounts remotely or online
Key Requirements for US Bank Account Opening
Most banks require the following:
1. Company Documents
- Articles of Incorporation / Organization
- EIN Confirmation Letter (CP 575)
2. Proof of Address
Banks must verify a valid address to meet KYC and AML regulations.
Accepted options may include:
- US residential address (friend, family, partner)
- Business address (not just a Registered Agent)
- Foreign proof of address (passport address, utility bill, bank statement)
⚠️ Registered Agent addresses alone are not sufficient for banking purposes
3. Personal Identification
- Passport (mandatory)
- Proof Of Address ( Bank Statement )
Establishing Business Legitimacy (Very Important)
Banks assess whether your business is real and active.
Professional Website
Your website should clearly show:
- What services or products you offer
- Target customers (preferably US-based)
- Contact information
- Business description (not under construction)
Proof of Business Activity
Strong supporting documents include:
- Invoices issued to US clients
- Contracts or agreements
- Payment records or transaction history
- Portfolio or case studies
These significantly increase approval chances
Online Banks That Accept Non-US Founders
These banks allow remote applications without visiting the US:
Updated on: 21/01/2026
Thank you!