We help non-U.S. founders open a fully functional U.S. business bank account remotely. Our service focuses on modern, U.S.-based fintech banks (e.g., Mercury) that accept international owners and provide the digital tools necessary to receive payments, pay vendors, and manage bookkeeping — all without a U.S. visit.
Mercury is an online business bank built for startups and international founders. It offers free USD accounts, ACH, domestic wires, international wires (via partners), multiple sub-accounts, virtual debit cards, and a clean API for automation.
Note: Mercury reviews and acceptance criteria are set by the bank. Our service prepares and optimizes your application for the highest chance of approval.
We simplify every stage of your U.S. business banking journey — from document prep to account activation.
We review your company structure, ownership, and documentation needs to select the optimal banking partner and account type.
We prepare formation documents, EIN, Operating Agreement, and a clean summary pack the bank expects for international owners.
We complete the online application with you (or for you), upload documents, and respond to bank follow-ups to avoid delays.
After approval we help configure ACH, cards, API keys, and provide onboarding notes for accounting and payment processors.
Timelines vary by bank and by completeness of documentation:
Fees: Mercury and similar fintechs often have no monthly maintenance fee, but charges may apply for outgoing wires, foreign exchange, or premium services. Our service fees for application assistance vary — contact us for a custom quote.
Everything you need to know before opening your U.S. business bank account remotely.
Yes — Mercury accepts companies with non-U.S. owners in many cases. Approval depends on the company structure, documents, and risk profile. We optimize the application and documentation to maximize approval chances.
In most cases no. Mercury and similar fintechs allow remote onboarding. Rare exceptions exist depending on compliance red flags — we prepare your application to avoid those.
Yes — debit cards can be issued and shipped internationally. Virtual cards and sub-accounts are also available for team use and expense control.
Yes. A U.S. business bank account + EIN makes onboarding with Stripe, PayPal, and major processors significantly easier and reduces review friction.
If your business model is high-risk (crypto, gambling, adult content, or sanctioned markets), acceptance may be restricted. We will transparently advise you on likely outcomes during the initial eligibility check.
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