We have prepared a list of digital banks where you can open an account remotely online for your LLC company without going to Usa.

Once you have formed an LLC company in Usa and received an EIN for your company, you can now open a bank account for your company remotely.

In this guide, we will share a list of 7 digital banks where you can open a remote account in Usa without much hassle.

The banks we recommend are generally suitable for entrepreneurs or those engaged in international e-commerce, and do not require ABB citizenship and do not require you to provide numbers such as SSN and ITIN.

Those who are generally involved in the shopify dropshipping business have recently started to form companies in the UK. There is no problem until you form an llc, but the real problem here is that, apart from Wise, there are almost no banks in the UK to open an account with.

Because after the update to the UK banking laws, it no longer gives approval to Turkish citizens during account opening. Even if you have an llc in the UK, we can say that there are almost no banks where you can open an account other than Wise, unless you reside there. Entrepreneurs are subjected to a lot of bureaucracy and procedures when opening accounts in these few banks. For this reason, when an llc is formed in the USA instead of the UK, there are many options in terms of bank accounts.

Common Features of Digital Usan Banks

In most of these types of digital banks, the requirements are very similar, here are the common requirements;

1. Passport (except Wise corporate, Wise does not require a corporate passport)
2. LLC company formed in any state in the USA
3. EIN assigned for LLC company
4. Stating that the source of income is from the USA (You indicate that your income is from the USA during the application stage)
5. A completed English website, a web project (SAAS) or an E-Shop (E.g. Amazon, Etsy, Ebay, Shopify)

Once you meet these requirements, your account will be approved successfully 99% of the time.

NOTE: If you are going to open a Wise corporate account for your LLC company, you are not required to provide items 1, 4 and 5. For Wise, the country of income source, having a passport and a website are not required when applying. You only need to make a one-time deposit of $31 during account opening. Additionally, Wise does not provide debit cards.

Banks that Can Open a Remote Account in Usa

A list of digital banks where accounts can be opened remotely. The approval process of some of these banks is long and some is short. Some banks no longer accept customers from Turkey, we have included details about them in the content.

1-Mercury Bank

Mercurybank is a digital bank that uses the infrastructure of Evolve Bank and Trust. We can say that it is the easiest and most preferred bank among digital banks.

Step by step guide on the account opening process: https://startupsole.com/amerikada-banka-hesabi-acmak/

Requirements / Features

• Passport required
• LLC company required
• EIN required
• It is necessary to indicate that the source of income is the USA when opening the account.
• A completed English website or a marketplace account (active) is required
• Transferring money to U.S. and most non-U.S. banks is free
• Opening an account is free
• There is no requirement for any upfront deposit or monthly account holdings.
• Provides ATM (Debit, prepaid) cards
• Supports creating virtual cards

2-Relay Financial

Note: They no longer allow Turkish citizens to open accounts.

Bank relay (Relayfi) is a digital bank that uses the Evolve Bank and Trust infrastructure, just like Mercury. Although it is not as well-known as Mercury, it is a solution that offers almost the same features and has good customer support.

Step by step guide on the account opening process: https://startupsole.com/amerikada-banka-hesabi-acmak/

Requirements / Features

• Passport required
• LLC company required
• EIN required
• It is necessary to indicate that the source of income is the USA when opening the account.
• A completed English website or a marketplace account (active) is required
• Opening an account is free
• There is no requirement for any upfront deposit or monthly account holdings.
• Provides ATM (Debit, prepaid) cards
• Supports creating virtual cards

3- Wise Corporate (TransferWise Business)

Wise , formerly known as TransferWise, is a digital banking solution that supports sending and receiving money in almost all currencies and can receive payments completely legally from platforms such as Stripe and Amazon.

It has fewer procedures than other banks. An LLC and EIN are required to open a Wise business account. If you meet these requirements, your account will be approved in a short time, probably within 24 hours (sometimes a few hours), and then you will be allowed to open an account in as many currencies as you want.

It is a bank where approval is obtained very quickly and no passport is required. For account approval, simply upload a new type of ID card.

Step by step guide on the account opening process: https://startupsole.com/amerikada-banka-hesabi-acmak/

Requirements / Features

• A new type of ID card
• LLC company required
• EIN required
• A one-time deposit of $31 is required to open an account.
• There is no obligation to keep money in the account
• Transfers are subject to a small fee

Apart from these three most used solutions, there are a few more banking solutions;

4- Payoneer Business

Payoneer Business account, you must first establish an LLC company in the USA and obtain an EIN number for this company.

If you own a US LLC company, you can proceed directly to the account opening process. If you do not have an LLC company yet, you can first form an LLC company in the most preferred state of Wyoming and get free EIN application support from us (during the campaign).

Once you open an account and your account is approved, your Payoneer account will now be connected to Amazon, Shopify, Stripe, etc. You can withdraw money from platforms such as. Once your first $100 balance reaches your Payonner account, you can now request a card.

5-OFX

Ofx is a money transfer system that allows US LLC company owners (including Turkish citizens) to open accounts with their EIN numbers. OFX is actually a Wise-style platform rather than a bank. There are some additional security measures at the account approval stage, such as identity verification with a camera and passport identification from the camera (the same is now valid for Mercurybank).

OFX is a financial institution with very strong customer relations. For this reason, if you delay completing the steps during account opening, the customer representative assigned to you can reach you for support purposes.

OFX does not currently provide any debit cards, but they may implement such an application in the future, like Wise corporate.

Annual turnover

Your goals

Your purpose for using this bank

Clear description of the work you will do

6- Divvy

Divvy is actually a financial institution rather than a bank, offering business loans and prepaid virtual cards to American companies with a certain number of years of business history.

They offer loans and different financial supports to companies with good past bank transactions.

However, to open a Divvy account, your company must have a history of several years and a certain level of turnover. They do not approve of newly formed companies and do not clearly state the reason for their disapproval.

In order to open a Divvy account, you must have a project, as in most other digital banks. This project could be an e-commerce site, SAAS, or any high-turnover business that has reached a certain level.

7-Airwallex

Airwallex is another digital bank that allows opening accounts with the EIN numbers of US LLC companies. In order to open an account with this bank, you need a passport and a completed project (website or marketplace link), as with Mercurybank.

While Airwallex approves the accounts of some Turkish citizens, it may not approve others. The details you give about your job when applying to this bank are very important, for example;

Annual turnover

Your goals

Your purpose for using this bank

Clear description of the work you will do

In this guide, we have shared a list of digital bank accounts you can open in the USA through your US LLC. We will try to update the list as new ones are added.

Hope it is useful.