US Business Bank Account Opening for Non Residents

We coordinate compliant US business account opening and corporate cards for non resident founders and foreign owned entities. Bank mapping, KYC packaging, EIN and tax setup support, and onboarding to first funded transaction.

We manage end to end onboarding with selected US banks and regulated fintech partners. That includes entity and ownership verification, EIN assistance, preparation of KYC and sanctions materials, alignment on permitted activities, and card issuance where eligible. Our goal is a clean, auditable file the bank can approve and a workable account with online banking, cards, and payments.

Scope of Service

Bank & Fintech Options

  • Traditional banks for higher balances and wires
  • Regulated fintech platforms for fast onboarding
  • USD, multi currency, and virtual IBAN where available
  • Online banking, ACH, domestic and international wires

Cards & Payments

  • Corporate charge or debit cards for teams
  • Spend limits, controls, and statements
  • Merchant account and gateway referrals if required
  • Fraud and chargeback process alignment

Compliance Packaging

  • Beneficial ownership, KYC, and sanctions checks
  • Business model, flows, and source of funds write up
  • Licenses and contracts where applicable
  • Policies for AML, screening, and record keeping

Tax & Entity Support

  • EIN assistance and IRS filings coordination
  • LLC or Corporation documents review
  • W 8BEN E or W 9 guidance with CPA partners
  • Registered agent and mailing address options

Eligibility and Dossier

Minimums

  • US entity formed or in formation
  • Named officers and beneficial owners
  • Projected monthly activity and balances

Core Dossier

  • Certificate of formation and operating documents
  • Shareholder or member register and ID for controllers
  • Business plan or summary of activity and counterparties
  • Proof of address and EIN or application receipt

Process

Intake

Mandate and KYC. Requirements, jurisdictions, and expected flows confirmed.

Packaging

Dossier compiled. EIN support and ownership attestations prepared.

Submission

Bank or fintech selected by risk, product, and limits. File submitted and queries cleared.

Activation

Online access live, test transactions posted, cards issued, and controls set.

Pricing Guidance

  • Fixed engagement fee sized to complexity and bank choice
  • Government, courier, and bank fees passed at cost
  • Optional card and merchant services priced by provider
  • Ongoing compliance support available on retainer

Final pricing reflects jurisdictions, ownership structure, anticipated volumes, and risk profile.

Open a US Business Account

Share your entity details, owners, expected activity, and timing. We respond with bank options, document list, and an onboarding schedule.

Accounts are opened by licensed banks or regulated fintech partners and remain subject to KYC, AML, sanctions, and ongoing compliance.

Financely acts as advisor and arranger. We are not a bank and do not take deposits. Approval and card issuance are at the discretion of the provider after full review.