US Company
US Business Bank Account Setup for Non-Residents
A US LLC that cannot hold dollars is half-built. Several fintech business accounts open remotely for foreign-owned companies. Traditional branches often want a visit. We prepare the file and walk the application. We do not issue accounts, and we do not promise a yes.
What Scriplit actually does
We assemble the Articles, operating agreement, EIN letter, and owner ID the way the application asks for them. We tell you which remote providers commonly accept foreign-owned LLCs — Mercury, Relay, Wise Business, and Payoneer among them — and which ones usually want an ITIN or a branch visit. Approval is the provider’s decision. If a file is thin, we say so before you click submit.
Remote account versus a branch
Remote fintech accounts are how most of our formation clients get a US routing number without flying. A legacy bank that wants you in a chair is a different product. We will not pretend a PDF pack replaces that visit.
Who this is for
Foreign-owned LLC, EIN in hand
You have the stamp and the letter. You need a place for Stripe or marketplace payouts to land.
Rejected once already
A missing operating agreement or a name mismatch is common. We fix the file before the second try.
Choosing between providers
You want a plain comparison of what each path usually asks for — not a sponsored ranking.
No SSN
That is expected. Some products still want an ITIN. We will not hide that.
What you get
One document pack
The same PDFs, named consistently, so the reviewer is not hunting through WhatsApp.
Honest provider map
Which applications are remote, which want extra ID, which often fail for certain countries.
Name matching
Legal name on Articles, EIN letter, and passport have to agree. We check before you apply.
No fake “partnership”
We are not Mercury, Relay, Wise, or a chartered bank. We will not put their logo on a promise.
How the process works
-
1
Read the entity
State, members, and activity. A marketplace seller and a consultant do not look the same to a reviewer.
-
2
Build the pack
Articles, EIN letter, operating agreement, owner ID, and a short description of what you sell.
-
3
Pick a realistic path
Remote fintech first if it fits. We will say when a branch visit is the only honest option.
-
4
Submit and wait
You apply. We stay on the questions. The yes or no is not ours to give.
What we need from you
- Articles of Organization and EIN confirmation letter.
- Operating agreement that matches the ownership you disclosed.
- Passport for each controlling person the application asks about.
- A sentence on products, customers, and expected monthly volume — guesses are worse than a range.
Read this before you start
- Providers change their rules. What worked last year can close this year.
- Some countries and industries are declined more often. We will say if your file looks like that.
- A registered-agent address is not always accepted as your operating address. Read the form.
Common mistakes
Applying before the EIN letter
A number in an email is not the document. Wait for CP 575 or 147C.
Different names on every PDF
Middle names, translations, and trade names that never appear on the Articles cause returns.
Calling a fintech account “FDIC insurance from Scriplit”
Any deposit insurance is the bank behind the product, not us.
Opening personal and business accounts as if they were the same
KYC for a company is a different review. Do not paste a personal app into a business form.
FAQ
Scriplit LLC is a Wyoming company that helps non-residents form US LLCs and prepare US information and tax filings. We are not a CPA firm or a law firm. This page is general information, not advice for your facts. Home-country tax, treaties, and your actual activity can change the result.
Related
Next steps on Scriplit
Bring the Articles. We will say which path is realistic.
Banking is included as guidance in formation. If you already have the LLC and EIN, send those two PDFs and what you sell.