Other services
US banking.
The second gate after the address. Every payment, every customer, every platform integration passes through it. We prepare the application, select the right bank, and see you through to approval.
What it takes
Why this is harder than it looks.
Opening a business bank account in the US is, in theory, a form. In practice, it is a review in which the bank decides whether to take you on as a customer. For non-resident founders, that decision can go either way.
Banks weigh the founder's residency, the entity structure, the source of funds, the expected transaction volume, the sector the company operates in, and how clean the application paperwork is. A weak application is denied not because the founder is unqualified, but because the bank was given no reason to say yes.
We have guided thousands of founders through this. The difference between an approved application and a denied one is rarely the founder; it is the bank, the documents, and the manner in which the package is presented.
Documents
What you'll need.
Each bank publishes its own document checklist, and each moves the line a little. The full set worth having ready before you apply covers what every bank asks, and what most banks ask later should the first round fall short.
We tailor the document set to the particular bank you choose. The list below is the working baseline. We help you prepare each item before submission, rather than after a request for more information that only delays the application.
What banks ask for
- Passport or government-issued ID for every owner
- US business address (the flex space service provides one)
- EIN (Employer Identification Number) from the IRS
- Articles of Organization or Incorporation
- Operating Agreement or Corporate Bylaws
- Certificate of Good Standing (sometimes required)
- Proof of business activity (invoices, contracts, website)
Banks we work with
We work with both worlds.
Two categories of US business bank serve non-resident founders: traditional banks and fintech-powered banks. Each carries trade-offs. We tell you which suits your business before you commit to one.
Traditional banks (Chase, Bank of America, Wells Fargo, Mercury's bank partners) offer the broadest service set and the strongest standing, but tend to require more documentation and sometimes an in-person visit. Fintech-powered platforms (Wise Business, Mercury, Brex, Relay) onboard remotely and faster, yet limit certain operations such as cash deposits or industry-specific accounts.
We match your business to the bank that will in fact approve and serve you, not the one that merely sounds best.
What it unlocks
What the account makes possible.
An approved business bank account is the moment your company ceases to be a registration and becomes an operating business. It lets payment processors connect, lets vendors invoice you, lets customers pay you in USD, and lets your accountant keep company finances apart from your own.
- Receive payments from customers anywhere in the world
- Connect Stripe, PayPal, Wise, and other payment processors
- Pay US vendors and contractors directly in USD
- Build a banking history for future credit and lending
- Open accounts for international branches under the same parent
- Issue corporate debit cards to team members
What's included
What's included in the advisory.
- Document review and preparation
- Bank selection based on your business profile
- Application package preparation
- Coordination with the bank's onboarding team
- Resubmission and appeal if the first application is denied
- Multi-bank applications when appropriate
Questions
Frequently asked
Does Prodezk open the bank account for me?
Prodezk advises and prepares the application. The bank makes the final decision based on its own review. Our role is to make sure the application is complete, the documents are correct, and the founder is presenting the right information to the right bank.
Do I have to travel to the US to open the account?
It depends on the bank. Some require an in-person visit; others now offer fully remote onboarding for non-residents. We tell you which path each bank takes before you start the application.
What documents do I need?
Typically: passport, US business address, EIN, formation documents (Articles of Incorporation or Organization), Operating Agreement, and proof of business activity. The exact list varies by bank.
How long does the process take?
Once the application is submitted, most banks decide within 2 to 4 weeks. In-person visits compress that to days; fully remote applications can take longer because of additional verification.
Can the company hold the account in another currency?
Most US business accounts are USD. A few banks offer multi-currency sub-accounts for international businesses; we'll point you to those if currency exposure matters to your operation.
What happens if my application is denied?
We review the denial reason, address it, and resubmit to the same bank or a different one. Denials are common in this market for non-resident founders; the answer is rarely 'no,' it is usually 'not yet.'
Open the account that runs your business.
We have helped thousands of non-resident founders win approval. Your application begins today.
Begin your applicationContinue