How to Open a US Bank Account as a Non-Resident in 2026

Opening a US business bank account as a non-resident has become both easier and harder in 2026. Easier because neobanks like Mercury and Relay have streamlined the process. Harder because traditional banks have tightened KYC requirements across the board.

The first decision is which bank to target. Mercury is the most non-resident-friendly option — fully online, no branch visit required, and they accept international founders with a registered US LLC. Chase and Bank of America generally require an in-person visit to a US branch.

Regardless of which bank you choose, you need three core documents: a commercial lease or sublease agreement proving your business address, a utility confirmation letter for that address, and your company formation documents (Articles of Organization and EIN letter).

The address you use matters enormously. Banks run automated checks against CMRA databases. If your address is flagged as a virtual mailbox, expect rejection. A genuine commercial sublease bypasses this issue entirely because you are a real tenant, not a mailbox customer.

For Mercury specifically: apply online, provide your LLC formation documents, upload your sublease and utility letter, complete identity verification with your passport, and wait 1-5 business days. If they request additional information, respond promptly — delays often trigger re-review.

For Chase: schedule an appointment at a business banking branch, bring all documents in person, and ask to speak with a Business Relationship Manager rather than a teller. If one branch declines, try another — policies vary by location and banker experience.