We have prepared a list for you of digital banks where you can open an account remotely online for your LLC company, without going to Usa.
In this guide, we will take a detailed look at the options you have for opening a bank account in the United States
an LLC company and obtaining an EIN (Employer Identification Number) for your company, you can now remotely open a bank account in your company's name.
In this guide, we will share an up-to-date list of banks where you can open a remote account in Usa without much hassle.
The banks we recommend are generally suitable for entrepreneurs or international e-commerce traders and do not require US citizenship. Additionally, you do not need to provide an SSN (Social Security Number) or ITIN (Individual Taxpayer Identification Number).
Common Features of Digital Usan Banks (Also Called Financial Institutions)
In most of these types of digital banks, the requirements are very similar, here are the common requirements;
- Passport ( Cenoa )
- LLC company formed in any state in the USA
- EIN assigned for LLC company
- Stating that the source of income is from the USA (You may need to indicate that your income is from the USA at the application stage)
- A completed English website, a web project (SAAS) or a marketplace store (e.g. Amazon, Etsy, Ebay, Shopify)
Once you meet these requirements, your account will be approved successfully 99% of the time.
Banks that Can Open a Remote Account in Usa
Below you can find a list of digital banks where accounts can be opened remotely. Some of these banks offer a quick approval process, while others may require a longer process. We also included details about banks that do not accept customers from Turkey.
1-MercuryBank
Mercurybank is a (financial institution) digital bank using 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- Cenoa
Cenoa, described as a new alternative to Mercurybank, Wise and Payoneer, has started to serve Turkey in the process of opening commercial class bank accounts for LLC companies in Usa.
Users who want to receive payments from abroad or conduct international trade can benefit from the fast approval process and make USD/TL translations with low commission rates through this platform. In addition, we can say that affordable transfer fees are among the prominent features of Cenoa.
Requirements / Features
ID (Passport not required)
US LLC company and EIN Number for corporate account
Free application
Very cheap currency translation and money transfer
Transfer money to crypto
No need to offer a website or marketplace
Quick approval for corporate accounts with reference
Download the application in the link and use this code when registering. Code: STARTUPSOLE
Application and app download link: https://cenoa.onelink.me/oFPB/hf7fj56t
3- Wise Corporate (TransferWise Business)
Wise 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
Conclusion
Opening a bank account in America is a critical step, especially for remote-working entrepreneurs and international e-commerce business owners. Choosing the right bank not only facilitates your business operations, but also enables you to have a stronger stance in the global market and easily transfer your income to your accounts with low commissions.
In this guide, we have examined in detail the digital banks in Usa where LLC company owners can open accounts remotely. Once you meet basic requirements like a passport, EIN, and a completed website, you can open an account quickly and easily by contacting one of these banks. Additionally, the digital banks on this list mostly do not require an SSN or ITIN, making them suitable solutions for international entrepreneurs.
Each bank differs in terms of services, pricing and user experience. Therefore, it is very important to choose the bank that best suits your business needs. For example, while some banks stand out with their shorter approval times, some may not accept customers from Turkey. Making the right choice by taking such details into consideration will save you time.
As a result, by opening a bank account in America , you can better manage the financial processes of your business and gain a competitive advantage in international trade. Do not forget to review the banks on our list to carry out your transactions smoothly. Opening a bank account in America offers great convenience for both your business and your global customer network.
It is important to take the right steps to provide the financial means needed to grow your business in the future. Remember, working with the right bank is an important element that contributes to the success of your business.
28 Comments . New Comment
Can't I register with my Mercury bank ID? Does it only accept passports? Also, wise bussines does not account for USD, I made a deposit and it still did not happen. We really don't know which banking to use anymore
Unfortunately, you cannot get approval with your ID, they require a passport, it is not that difficult to get a passport, you can have it in 1 week, there are limited options, there is no other option, unfortunately.
Hello. I want to transfer money from my account at Mercurybank to my account at Garanti Bank. Mercurybank immediately directs me to the Plaid system, but when I tried to enter my Garanti bank account into Plaid, I saw that Garanti's name is not in their system. There is no agriculture either. Has anyone experienced this type of problem? Do you know which banks in Turkey can connect to Plaid?
Why is revolut not mentioned?
They did not approve foreign-owned LLC companies, so it was not added.
Hello, I opened my Mercury Bank account, but I cannot connect it to the strip. At the point of adding the bank account, it says that my password is incorrect, but when I log in directly from the Mercury Bank application, there is no problem. I am thinking of withdrawing my money and opening an account from another bank, but Mercury Bank does not send the money to my bank in TR, it gives an error, I am about to go crazy. Can anyone help me or is there anyone who has the same problem as me?
Hello,
All you have to do is type your account and routing number in the bank accounts section of Stripe and add your bank. Stripe automatically transfers your payments to your bank account. Also, there is no need to integrate it from the app part, that part is for different operations.
When you withdraw money from your Mercurybank account to your account in TR, add it directly to your USD account opened from a bank in TR. The transfer to your Try Iban is problematic and you will incur losses due to expenses and foreign currency conversion. Log in to your Mercurybank account from your computer and make a USD to USD transfer as we mentioned, you will not have any problems because thousands of people use it this way.
Try to open an account with another bank, but be aware that there are not many alternatives that are more economical and easy to get approved.
Hello, thank you for the information. I did as you said and applied to Wise Corporate. Normally it says 2-3 business days, but even though 5 days have passed, my account has not been opened yet. Do you think there might be a problem?
Hello,
it normally doesn't take long, if you want you can log in and write to them in the support section. They provide support in Turkish
Thank you for your answer, I sent an e-mail yesterday and they have not responded yet. I am waiting
Wise sent me an e-mail saying that they stopped opening USD accounts, I applied with Wise Business. My account was approved and I opened a case while waiting for the account information. The answer was like this
Wise sent me an e-mail saying that they stopped opening USD accounts, I applied with Wise Business. My account was approved and I opened a case while waiting for the account information. The answer was like this
Wise withdrew from Turkey and does not allow opening any bank accounts, whether corporate or individual. I think you should take it off the list. https://wise.com/tr/help/articles/18ewShSmFf7tJ7mm2Zp6H7/turkiyedeki-musteriler-icin-k%C4%B1s%C4%B1tlamalar
Wise businesses accounts can be opened. Turkish citizens can open accounts with US companies and wise businesses, but individual accounts cannot be opened.
Hello Wise, can we get 31 dollars back? Is it an opening fee?
Hello,
No, the 31 USD deposit always remains as a security deposit within Wise Businesses and they do not give refunds.
Wise refunds 31 USD. I used it actively for 2-3 months, then I turned it off because it was no longer necessary and I asked for my deposit by opening a case. The reply you receive is
that your 31 USD transfer has been cancelled.
So, we refunded $31 to your card. Depending on how quickly your bank or card company processes your refund, you should receive it within the next 4-10 business days.
Hello, OFX and Divvy want SSN, you have already mentioned Relayfi, they do not allow us anymore.
Mercury account was opened successfully and without any problems, they approved it in 2 days.
Wise successfully opened an account without any problems, they approved it in 3-4 days.
Payoneer Business – I haven't tried it.
Airwallex was successful in opening an account without any problems, they approved it in 1 day.
I hope the extra information will help you save time.
Thanks for your support.
If I authorize an llc like yours or a friend of mine living in the USA, can he open a bank account for his company?
Unfortunately, in order to open a physical bank account, you need to personally visit the bank branch in the USA. Additionally, some banks may request proof of US residence.
For these reasons, digital banks such as Mercurybank, wise, Payoneer Businesa are preferred. If you cannot open an account in these banks, you can also try the alternative below. It is a very reliable bank and is even among the payment providers supported by Amazon.
https://usa.pingpongx.com/index
To confirm, Pingpong requests a few months' worth of account statements in the name of this company at another bank. If you have opened a new company, you cannot use this place.
Doesn't Wise Corporate allow us to create a virtual card for our US company if we are Turkish citizens and reside in Turkey?
Also, if we have 100 USD in Mercury Bank, if we send it via Swift, will 100 USD be transferred to our bank in Turkey? As far as I know, since Swift fees are high, they charge high amounts. We cannot save 100 USD with 3-5 USD.
Unfortunately, Wise does not provide debit cards to Turkish citizens through corporate US companies.
Transfer from Mercurybank to Turkey is free. If you send $100, $100 will reach your account. However, Mercurybank temporarily does not accept members from Turkey and puts them on a waiting list. That's why the best solution seems to be Wise corporate right now.
Thanks very much for the information. So, I wonder which of these banks is more advantageous in transferring money to Türkiye. Can you provide information such as whether there are any deductions etc.
#Wise, there is a calculation tool on the website that makes the deduction, you can look.
#Mercurybank does not charge any fees for ACH intra-US and international transfers, meaning transfers are completely free.
#Relay, ACH is free, International wire transfer is $10. Relay has a paid plan, and within the scope of this plan, all types of transfers in all directions are provided free of charge.
You can look at the websites of other banks.
Very clear explanations, and
it's great that you also provide services in Turkish.
Thanks.
Thanks for your comment