A bank account is a separate approval from your company. The state forms the LLC; the bank decides independently whether to take it on as a customer. No formation service can promise an account, and you should be wary of any that does.
What banks usually ask for
- Articles of Organization and your EIN confirmation letter.
- A valid passport for each owner with 25% or more.
- A U.S. business address (not always the registered agent address).
- A clear description of what the business does, often with a website.
Online banks versus branch banks
Several online business banks accept non-resident owners and open accounts entirely remotely. Traditional branch banks often ask for an in-person visit. Approval policies change, so check each bank’s current requirements before applying.
Improving your chances
- Make sure every document shows the same company name and address.
- Have a live website or a short business description ready.
- Answer questions about expected transaction volume and countries honestly.
- Apply to one bank at a time and follow up on requests promptly.
This post is general information, not legal or tax advice. Rules change; confirm your own situation with a qualified professional before you file.
