How to Open US Bank Account For LLC As Non-US Resident [2025 Upadated]

How to Open US Bank Account For LLC: As Non- US Resident [2025 Updated] 

in this blog you will learn How to open a US bank account for LLC; A US bank account is not merely for receiving payments. It establishes credibility with global clients, enables you to accept Stripe and PayPal payments, and professionalizes your business. But in case you are a non-resident without SSN, the process is puzzling.

In this blog, we will detail the whole process step by step — including the most frequent issues and fixes — especially designed for Indian founders.

✅ Why Do You Need a US Business Bank Account?

Following are five solid reasons why you need a US bank account:

• Stripe and PayPal need it to accept payments
• Clients from abroad like to pay to a US account
• Splits your money from personal and business
• Establishes business credibility
• Prevents high conversion fees on Indian accounts

✅ Common Challenges Indian Founders Face

Indian founders typically have to deal with the following challenges:

• No Social Security Number (SSN)
• No US address or phone number
• No possible in-person visit
• Ambiguity regarding which bank accepts non-residents
• The best part is — several online banks and fintech platforms today make it possible to open a US business bank account remotely, without SSN or traveling to the USA.

✅ What You Need to Open a US Business Bank Account 

Here's the checklist:

1. US LLC formation certificate

2. Employer Identification Number (EIN) from IRS

3. Operating Agreement (for LLC regulations)

4. Valid government ID or passport

5. US business address (virtual okay)

6. US phone number (VoIP okay)

All of these can be sorted out online — and LLC Setter assists you with all this end-to-end.

Best US Banks for Non US Resident

Let's consider the most trusted and well-known ones:

1. Mercury Bank
2. Purely online bank for new firms
3. Accepts non-residents with passport and EIN
4. No monthly charges
5. Virtual cards + physical debit cards
6. Excellent for SaaS, e-commerce, consultants
7. Wise Business
8. Good for cross-border payments and currency conversion
9. Allows INR to USD transfer

Is good to use if you pay international clients

• Relay Financial
• Simple setup for small businesses
• Allows EIN and passport
• No minimum balance necessary

 Tip: Normal banks such as Chase or Bank of America typically require in-person verification, so they are not great for founders in India.

✅ Step-by-Step: How to Open a US Bank Account as non US Resident 

1. Register your US LLC – Pick a business-friendly state such as Wyoming or Delaware

2. Obtain your EIN – Your business's tax ID, essentially

3. Obtain a US address – Virtual business address providers can be used

4. Obtain a US phone number – Skype or TextNow would work

5. Apply online at Mercury or Relay with your documents

6. Verification – Upload ID, LLC docs, and describe your business

7. Bank account approved – You’ll get access within 3–5 days

✅ Is It Safe and Legal?

1. Yes, it’s 100% legal. Many Indian founders use services like LLC Setter to form their US company and open a US bank account legally and safely. Just make sure to:

• Keep your documents up-to-date
• File US taxes every year (even if zero income)
• Don’t mix personal and business money

✅ Most Common Mistakes to Avoid

• Utilizing incorrect address or false number
• Avoiding EIN application
• Failure to file annual reports
• Missing forms from IRS such as 5472 and 1120
• These errors may cause fines. So it's better to get professional assistance.



 

✅ Final Thoughts

Opening a US business bank account as non US resident might seem impossible at first — but with the right approach, it's 100% doable. Fintech banks such as Mercury, Wise, and Relay are relied upon by thousands of Indian founders to navigate their global business seamlessly.

With right documentation, support, and the right collaborators — you can expand your business globally, receive USD payments, and establish a robust brand internationally.

Need to open your US LLC and bank account without hassle or risk?

 Reach out to LLC-SETTER  India's most reliable ally in US company setup, EIN, bank account facilitation, and compliance — all completed remotely, legally, and at an affordable price.