How to Open a U.S. Bank Account

The United States is a global financial hub, offering powerful banking infrastructure and credibility for individuals and businesses. For entrepreneurs in e-commerce, SaaS, consulting, or digital services, a U.S. bank account is often essential for operating efficiently on the global stage.

Key Benefits

• Receive payments in USD

• Integrate with Amazon, Stripe, PayPal, and more

• Easily accept international transfers

• Access U.S.-based financial systems

• Boost your credibility with partners and investors

Who Can Open a Bank Account in the U.S.?

• Entrepreneurs who own a U.S. company (LLC or Corporation)

• Non-residents (with certain conditions)

• E-commerce businesses registered in Estonia, UK, etc.

• Freelancers (through certain fintech solutions)

Marca World handles the entire account opening process, especially for those who have already set up a U.S. company like an LLC.

Ways to Open a U.S. Bank Account

1. Traditional Banks (In-Person Setup)

Opening an account with traditional banks like Bank of America, Chase, Wells Fargo typically requires a physical visit to the U.S. and documents such as:

• Valid passport

• ITIN or EIN

• Company formation documents (Articles of Organization, Operating Agreement)

• Proof of address (utility bill, lease, etc.)

This route is more costly and time-consuming. Most entrepreneurs prefer modern fintech solutions.

2. Fintech Banks (Online Setup)

Platforms like Mercury, Relay, Wise Business, Brex allow you to open a U.S. bank account remotely, without physically being in the country.

Popular Fintech Options

Mercury Bank

• Available only to U.S.-registered companies

• No minimum balance requirement

• Offers virtual and physical debit cards

• Compatible with Stripe, PayPal, Amazon

• Marca World manages the full setup

Relay Bank

• Ideal for LLC owners

• Multi-user access available

• Smart payment scheduling and integrations

• Supports accounting tools like QuickBooks

Wise Business (formerly TransferWise)

• Multi-currency account with U.S. banking details

• Great for receiving payments in USD from global clients

• Ideal for freelancers and small businesses without U.S. residency

Can You Open an Account Without a Company?

No. Mercury and Relay only support U.S.-registered companies with a valid EIN. The first step is to form an LLC.

Marca World can establish your Delaware or Wyoming LLC and handle the entire account setup process.

Step-by-Step: How to Open a U.S. Business Bank Account Online

1. Form your U.S. company (LLC)

2. Obtain your EIN (Employer Identification Number) from the IRS

3. Prepare digital copies of company documents

4. Apply online with Mercury or Relay

5. Verify identity and address

6. Account approval and debit card issuance

Estimated completion time: 3 – 7 business days
Marca World manages the process end-to-end for fast, compliant results.

Frequently Asked Questions

Can I open a U.S. bank account without being a U.S. citizen?
Yes. Non-U.S. citizens can open an account if they own a U.S.-registered company with an EIN.

Can I open a personal account without a company?
No. U.S. personal accounts usually require presence in the U.S. and an ITIN (Individual Taxpayer Identification Number).

Are there any fees to open an account?
Fintech banks like Mercury and Relay are free. However, company formation and advisory services involve a fee.

Can I link my account to Stripe and PayPal?
Yes. These accounts work seamlessly with Stripe, PayPal, Amazon, and other platforms.

Open a U.S. Bank Account with Marca World

Marca World provides a complete solution — from company formation to bank account setup. They manage all documents, applications, verifications, and even integrations with platforms like Stripe and Amazon.

Services include:

• LLC setup (Delaware/Wyoming)

• EIN application and IRS filing

• Mercury and Relay account opening

• Virtual office and U.S. address setup

• Stripe, Amazon, PayPal integration support

• Full support in both English and Turkish