Which is the best US bank for non-US residents?

Mercury is the top choice for most international founders — 100% online, no minimum deposit, FDIC insured. Wise Business is the best backup for multi-currency receiving. Relay is a strong second for bookkeeping integrations. Traditional banks (Chase, Bank of America) usually require a branch visit and are harder for non-US residents.

Why did Mercury reject my application?

Mercury rejections are most common when: (1) EIN was just issued and has no history, (2) address is a PO box or virtual mailbox (use a physical address), (3) business activity can't be verified (no website, invoices, or contracts ready), (4) high-risk business type like crypto or adult content, (5) country on enhanced due diligence list. Apply after 30 days of business activity for higher approval odds.

Can I open a US business bank account without an SSN?

Yes. Mercury, Wise Business, and Relay all accept foreign founders without an SSN. You need an EIN (Employer Identification Number), formation documents, and a passport. Some banks accept an ITIN as a supplement but an EIN is the primary requirement.

Can I open a US business bank account from outside the US?

Yes — Mercury, Wise Business, and Relay are 100% online and available to founders outside the US. Traditional banks like Chase or Bank of America generally require in-person branch visits.

What documents do I need to open a US business bank account?

Core requirements: EIN confirmation letter (CP 575), Articles of Organization or Certificate of Incorporation, government-issued ID (passport for foreign founders), and a US address (physical, not PO box). Mercury also strongly recommends having a working website or proof of business activity.

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