Which banks do you work with?

We start with fintech accounts (Stripe, Wise, Mercury) for fast approval, then prepare applications and make introductions to Chase, Bank of America, Wells Fargo, and Fifth Third. No guarantees on approval.

Do I need to be in the U.S. to open a bank account?

Not for fintech accounts. For traditional banks, some require a U.S. visit or video call. We'll tell you upfront.

What documentation do I need?

Passport, ITIN, proof of address (utility bill or lease), and business formation documents. Everything stays in your own name.

How long does bank setup take?

Fintech: 1–2 weeks. Traditional banks: 2–6 weeks depending on the bank and your profile.

Is bank approval guaranteed?

No. We prepare the application and make the introduction, but the bank makes the final decision. Approval depends on your personal credit, business profile, and source of funds.

Stage 4 · Foundation

U.S. Bank Account Setup

Real U.S. banking, in your own name — fintech accounts to start operating fast, and prepared introductions to major U.S. banks when you're ready for the traditional layer.

Book a consultationPrep + introduction

Start with fintech, graduate to major banks

Fintech business accounts (Mercury and Relay-class) can open remotely and get you operating in days. From there, we prepare full, compliant applications and introductions to major U.S. banks — Chase, Bank of America, Wells Fargo, and Fifth Third — plus credit unions where you genuinely meet the membership criteria. The traditional layer matters: it's what relationship banking, higher limits, and future lending are built on.

Read our independent ranking of US business bank accounts

Why preparation is the product

Most international founders get rejected not because they're ineligible but because their file is incomplete: wrong address type, missing ITIN linkage, thin documentation. We assemble the evidence stack a bank's KYC team actually wants — entity documents, a real address with lease and utility, ITIN, and a coherent business story — before you ever walk into a branch or submit an application.

Check which providers accept your country

The eligibility line we won't cross

Some credit unions — Navy Federal among them — restrict membership to servicemembers, veterans, and their families. If you genuinely qualify, they're excellent. If you don't, we won't put you into an application you're not eligible for. Every account we help open is in your own name, with full KYC, at institutions where you actually qualify.

Before you buy this service

Read our independent guide on why US bank account applications get rejected — and how to avoid the common failures — it covers what to expect, what to watch for, and what the process actually looks like.

Read the guide

Fees & structure

Published, like everything else

Fintech account setup

Included with Foundation packages

Mercury/Relay-class business accounts, opened remotely with your entity documents and real address.

Major-bank prep + introduction

Prep + introduction, scoped per case

Complete application file and introduction to Chase, Bank of America, Wells Fargo, Fifth Third, or an eligibility-based credit union.

What we never promise

We never promise that a specific bank approves you. Each institution underwrites its own decision — our job is to make your file as strong and as honest as it can be.

Next on the ladder

Stage 5: Credit Engine