Open a U.S. bank account — virtual only

For non-U.S. founders. Form a Florida LLC, get your EIN, then apply to virtual providers. Use our U.S. Phone + VPN to avoid OTP and geo-risk issues.

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What you need first

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Florida LLC (filed & active)

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EIN (IRS) — used for bank KYC/KYB

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Registered Agent — formation address & official mail

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U.S. Phone + VPN — consistent OTP + location

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Documents to prepare

Articles of Organization (FL) & EIN letter (IRS)
Operating Agreement (template OK)
Passport + proof of address
Registered Agent address details
Website/store URL + expected volume

Use clear scans. If not in English, include a simple translation.

Why Phone + VPN help

Banks verify via SMS and location scoring. A working U.S. number + stable U.S. VPN minimizes OTP failures and “suspicious login” flags.

U.S. Phone only VPN only

Virtual banks & fintechs for non-U.S. founders

Tip: If one provider declines, apply to the next — your LLC + EIN remain valid.

Provider	Best for	Acceptance	Fees	Cards	Integrations	Requirements	Decision time	Action
Mercury	Startups & e-commerce	Often accepts non-U.S. founders with LLC + EIN	$0 monthly	Virtual & physical	Stripe, Shopify, QuickBooks, Wise	Articles, EIN, passport, proof of address, website	~1–5 business days	Apply
Relay	Multi-account routing, bill-pay	Case-by-case for non-U.S. founders	$0 base	Virtual & physical	Xero, QuickBooks, bill-pay	LLC + EIN, passport(s), proof of address	~1–7 business days	Apply
Novo	Solo founders & small e-com	Case-by-case; U.S. presence helps	$0 monthly	Virtual & physical	Stripe, Shopify, QuickBooks	LLC + EIN, passport, proof of address	~1–5 business days	Apply
Bluevine	High-yield checking; bill-pay	Varies; may prefer U.S. presence	$0 base	Debit	Bill-pay, accounting	LLC + EIN; ID verification	~1–7 business days	Apply
Wise Business	Receive USD & convert	Widely available; not full U.S. checking	Low transfer/FX	Virtual (region-dependent)	Global bank details	Business verification (region)	~1–3 business days	Open
Payoneer	Marketplace payouts	Widely available; collection a/c	Low payout fees	Virtual	Marketplaces & partners	Business + ID verification	~1–5 business days	Open

Ready to open your account?

Start with LLC + EIN, add Registered Agent, and enable Phone + VPN. Then apply with zero guesswork.

Start LLC + EIN