How to open a U.S. bank account for a non-resident LLC

A non-resident's LLC can open a U.S. business bank account as soon as it's formed. Banks and fintechs usually ask for four things: the Articles of Organization, the Operating Agreement, the EIN and the owners' identity. Have them ready and you can apply right away. EXNNA gives you the first three in your dashboard.

What do banks ask a non-resident LLC for?

Requirements vary by provider, but the core set is the same:

Many providers also ask what the company does. A clear, one-paragraph description of the business helps.

Do you need an EIN before opening a U.S. bank account?

In practice, yes. The EIN (Employer Identification Number) is your LLC's tax ID with the IRS, and banks usually ask for it. You can get one without an SSN or ITIN; here is how to get an EIN without an SSN, and how it differs from a personal number in ITIN vs EIN.

With EXNNA, EIN assistance costs $50 with your formation. Your Articles and Operating Agreement never wait for it: they're ready as soon as the State approves.

Why does the bank ask about the owners?

Because banks, fintechs, exchanges and payment processors verify who owns every company they serve. That's their process, and they decide on the account.

It doesn't touch the public record. New Mexico (NM), a U.S. state, doesn't require the Articles to list owners or managers, so the State's record shows EXNNA as organizer and our registered agent, not you. Your Operating Agreement is the private document that shows the bank who owns the LLC. More in how an anonymous LLC in New Mexico works.

Bank or fintech?

Both work once the LLC exists. Each one sets its own requirements, checks and timing, so compare what they ask for and read their terms before you apply. A no from one provider doesn't bind the next one.

What address does the LLC use?

The registered agent gives your LLC a U.S. address for official mail, included for the first 12 months. Basic mail is 3 letters a year, scanned to your dashboard. For other address options, see a U.S. business address for non-residents.

How fast can your LLC open a U.S. bank account?

The order takes about two minutes: a company name, two backups, the number of members and an email. No ID documents are needed. You pay the total in U.S. dollars or in your local currency, where available, by card, online. The State usually approves in 1–3 business days, and your documents land in the dashboard the same moment.

Form your LLC online and see every option on our pricing.

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