US Bank Account Set Up
A US business bank account is essential for operating a US LLC. It enables you to accept ACH payments, receive Stripe and PayPal payouts, pay US suppliers and contractors, establish US business credit, and access the financial infrastructure needed to operate in the US market.
For non-residents, opening a US business bank account is significantly more complex than it is for domestic founders. Financial institutions apply enhanced Know Your Customer (KYC) and Anti-Money Laundering (AML) requirements to foreign-owned businesses, with stricter documentation and verification standards than ever before.
Success depends on three key factors: selecting a banking partner that accepts non-resident founders, preparing a compliant application that meets all onboarding requirements, and implementing a banking strategy that provides stability and reduces operational risk as your business grows.
Javelin International guides you through every stage of the process, helping you establish a secure, compliant banking foundation for your US business.
Javelin Banking Setup
Readiness Review
We confirm your LLC documents, EIN, and business details meet the requirements of non-resident-friendly banking partners before you apply.
Banking Partner Match
We match you to a bank or fintech provider suited to your industry, transaction volume, and residency situation.
Application Preparation
We prepare and review your application package to reduce back-and-forth and avoid common rejection triggers.
Verification Support
We guide you through the identity and business verification steps, whether remote or in-person, depending on the provider.
Account Activation & Setup
Once approved, we help you connect payment processors (e.g. Stripe, PayPal) and set up account controls for day-to-day operations.
Information We'll Gather From You
These details help us match you to the right banking partner and avoid application delays.
Country of Residence
Where you legally reside affects which banking platforms will accept your application, whether any restricted-country rules apply, and what extra compliance documents may be required.
US LLC Formation Documents
Banks require your Articles of Organization, operating agreement, and state registration confirmation — current and matching your LLC name and EIN exactly.
EIN Confirmation Letter
Every US bank account application requires your EIN confirmation letter (IRS CP 575 or 147C). If you don't have one yet, we'll obtain it for you before submitting any banking application.
Proof of US Business Address
Most banking platforms need a genuine US business address — a registered agent address or P.O. box won't qualify. We set up a compliant business address as part of the process.
Proof of Business Activity
Many platforms, including Mercury, now ask for evidence your business is active — a website, invoices, contracts, or a description of your planned US operations.
ITIN Documentation
If you already have an ITIN, it opens up additional banking options like Relay and can improve your approval odds and FDIC coverage eligibility.
Prior Banking Rejection History
Been declined by a US bank before? Let us know beforehand — prior rejections affect which platforms we approach and how we position your application.