A Step-By-Step Guide to Opening Bank Accounts in the USA
Download this FREE printable guide to start opening US bank accounts for you or your business in the United States (100% remotely!)

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Banking in the USA
Banking in the US is one of the most advantageous tools for foreigners, non-residents, foreign companies, and offshore structures. But, if you ask most banking professionals, they’ll tell you opening a bank account in the US as a non-resident foreigner or foreign business is impossible. Well, they’re wrong.
Start the process of opening a US bank account today by going through our free resources on personal and business banking in the US.
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Banking in the USA
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US Banking Article

Bank Account Without SSN or ITIN [Account Opening Guide]
Foreigners & non-residents can open US bank accounts online without an SSN or ITIN. Including opening personal and business accounts 100% remotely.
Click here to read our featured (and most popular) US banking article that shares how to open a US bank account without an SSN or ITIN.
Download Our Free Guide
US Bank Account Opening Guide
Opening a US bank account as a foreigner, non-resident, or for foreign non-resident businesses is extremely hard.
But, it doesn’t have to be…
We give you the step-by-step process to overcome the ‘Seven Roadblocks’ that are stopping you from opening accounts and much more in this free guide.
Download your copy and start opening accounts now!
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Banking in the USA 101
Banking in the US can give you access to the most sophisticated financial market in the world. With US banking comes a stable currency, access to credit, and attractive credit card rewards.
Contrary to popular belief, banking in the US is an option for foreign and non-resident businesses, individuals, and even offshore structures. You, just need to have the right information and know how to successfully apply for an account.
With this in mind, here is a list of the groups that can open US bank accounts.
Who Qualifies for Banking in the US
- Non-resident & foreign individuals
- Non-resident & foreign businesses
- Non-resident foreign owned US LLCs
- Companies registered in most offshore jurisdictions
- Passive foriegn investment companies (PFICs)
As you can see, the only groups not included in this are individuals and businesses with ties to US blacklisted countries.
So if you fall into one of the groups listed above (which you probably do), let’s take a look at how you can start opening US bank accounts right now.
How to Open US Bank Accounts
The first step to open a US bank account is to know the type of account you want. Do you want a personal or business bank account? This is important because there are different requirements for each. Also, the requirements vary from bank to bank. Note that, some banks allow business accounts to be opened remotely, but personal banking typically requires an in-person visit.
In general, if you’re trying to open a either a personal or business account with a brick-and-mortar US bank (remotely), you should expect to deposit between a few thousand and few hundred thousand. Yes, that’s a big range.
Most individuals and business can access real brick-and-mortar US banks with just a few thousand dollars. If you want more premium banking services, investment support, or a bank with international branchesthen you will need to deposit more.
Also, if you want to open a digital bank account for a non-resident US LLC, there are some options available that do not have an initial deposit requirement. But, those platforms generally make it difficult for foreign non-residents to open accounts and lack the support a business needs.
Lastly, before choosing a bank, you should consider whether or not you are willing to travel to open the account. You will have more options if you can open an account in person. But you’ll have to decide if this is worth the additional costs of flights, accommodation and ground transportation.
If you would like to save money in the process of opening a bank account in the US, there are some great options that will enable you to open accounts from the comfort of your home. We help members of our US account opening service do this every day.
If you’re ready to open US accounts today, find out how to get started below.
MEMBER ACCESS
GlobalBanks USA provides immediate access to the tools & proven strategies to start opening US bank accounts for you and your business.
More importantly, you receive dedicated one-on-one support from our team to help you open the best US bank accounts possible…
Including direct introductions to US bankers that are ready to process your account opening application.
What you can expect when you join GlobalBanks USA:
- Successfully open US bank accounts (100% remotely)
- Receive a warm welcome at US banks through our direct introduction
- Overcome opening challenges by following step-by-step instructions
- Use proven tools & strategies to meet bank requirements you’re missing
- Stop worrying about whether or not you’ll be able to open accounts!
You’re just a few clicks away from joining GlobalBanks USA & opening the US bank account you need…
Looking for a different type of account?
We can help you make informed decisions about personal, business, & private banking across Europe, Asia, and the United States. Click here to learn more.
Free Resources
Banking in the USA
Below you’ll find our archive of free resources to assist with opening (and maintaining) US business bank accounts.
This includes detailed articles to help you open accounts and free guides explaining how to navigate challenges for specific business types.

ABA Number Meaning + ABA Number vs Routing Number




How to Use a Visa Gift Card Online? Free User Guide



Credit Cards for Poor Credit: Credit Card Guide

Credit Card Advantages and Disadvantages Explained


No-Penalty CD Guide: What You Need to Know



Venmo Goods and Services: Purchases + Protections




Credit Building Credit Cards [Free Guide]

Venmo Payment Declined | Reasons & Solutions

Lienholder Meaning [Banking Basics]

Term Deposit Meaning [Benefits of Term Deposits]

Are CDs FDIC Insured? [US Banking Basics]

What Is the Difference Between Credit Card and Debit Card?

What Is a Utility Bill? [Free Guide]

Current Outstanding [Meaning in Credit Card Balance]

What Credit Score Do You Start With? [US Credit 101]

Do Credit Cards Have PINs? [Credit Card PIN Numbers]

EIN vs TIN [US Reporting & Banking Basics]

LTC vs LTV [Financing Basics]

Secured Credit Card Canada [Credit Building Options]

LLP vs LLC [Limited Liability Partnership or Company]

How to Build Credit Without a Credit Card [Free Guide]

Best Credit Cards for Young Adults [Free Guide]

Transfer Credit Card Balances [Read First]

What Is a Disregarded Entity? [Business Banking 101]

What Does SME Stand For? [Business Banking 101]

Business Credit Cards With EIN Only [EIN Credit Cards]

Free Online Checking Account No Opening Deposit at Bank

What Is CVV on a Debit Card? [Credit & Debit Cards 101]

Do Credit Cards Have Routing Numbers? [US Credit Card]

What Is a Balance Transfer? [Banking & Credit Basics]

What Is a Billing Address? [Banking & Credit Card Basics]

What Is Minimum Amount Due in a Credit Card? #Credit Card

Is Earnest Money Refundable? + Other Important Questions

What Is a Liquid Asset? [Liquid Assets 101]

Certified Funds 101: What They Are & When They Matter

Difference Between Lease and Finance | Which is Better?

Secured vs Unsecured Credit Card | Which to Choose?

Mortgagor vs Mortgagee [Who Is a Mortgagee?]

Interest Saving Balance [US Credit Basics]

147c Letter [US LLC + US Banking Basics]

What Is Operating Income? [Business Basics]

Outstanding Balance Meaning [US Credit Basics]

Credit Card Forgiveness [US Credit Basics]

Chattel Loans [Loans for Moveable Property]

What Does “In Credit” Mean? [US Credit 101]

Loan to Cost Meaning [US Real Estate Financing]

Credit Card Outage [Why Payment Processing Fails]

What Is a Non-Resident Alien? [US Banking]

How Do Credit Card Companies Make Money? [Free Guide]

What Increases Total Loan Balance? [US Credit Basics]

Is Venmo International? [Sending Money From the USA]

Send Money to Australia From USA [Send Money Abroad]


Credit Card Closing Date [US Credit Card Basics]

Startup Business Credit Cards [EIN Only] – Here’s How!

Certificate of Good Standing California [California LLC]

Certificate of Good Standing Delaware [Delaware LLC]

Disregarded Entity Meaning [US LLC Basics]

Member-Managed vs Manager-Managed [US LLC Basics]

Form 1583 + How to Receive Mail for a US LLC

Form 5472 Instructions: Guide for Foreign Owned US LLCs

How Much Does It Cost to Start an LLC? [+LLC Banking]

Credit Card With Air Miles [Travel Credit Cards]

Best First Credit Card for Young Adults: Credit Cards 101

How to Prove Residency Without Bills [USA Banking]

ITIN Number for Illegal Immigrants [ITIN Basics]

Brick-and-Mortar Means … [Important Definition]

Can I Open a US PayPal Account? [US PayPal 101]

Certificate of Good Standing Florida [US LLC Basics]

Can an S Corp Own an LLC? [US Businesses + Banking]

Disregarded Entity for Tax Purposes [US LLCs & Taxes]

How Long Do ACH Transfers Take? [ACH Transfers 101]

What Is an Outstanding Check? | Outstanding Checks 101

Current vs Available Balance [What You Need to Know]

Send Money From USA to Canada [Send Money to Canada]

Send Money to UK From USA [Your Money Transfer Options]

How Long Does It Take To Get an EIN? [US LLC Banking]

Can You Get a Money Order With a Debit Card? [Yes or No?]

How Long Are Money Orders Good For? [US Money Orders]

What Is a Single-Member LLC? [US LLC 101]

How Do I Stop Automatic Payments From My Bank Account?

Why Does Venmo Need My SSN? [Venmo Guide]

Buy Stocks With ITIN Number [US Investing for Foreigners]

How Much Will a Secured Credit Card Raise My Score?

ITIN Loans [How to Obtain an ITIN Loan]

Credit Cards That Use Equifax [US Credit Cards]

How to Send Money to Someone Without a Bank Account

What Is a Relationship Banker? [US Banking]
