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Opening a U.S. online bank account might seem challenging—especially if you’re not a resident—but it’s a key move for entrepreneurs and professionals seeking to operate internationally.
An online account not only streamlines global transactions, it also boosts your business credibility. In this guide, we’ll walk you through every step, compare popular banks like Capital One, Chase, and digital solutions such as Mercury and Wise, all while highlighting how Prodezk makes the process easy for Spanish-speaking entrepreneurs.
Having a U.S. bank account provides multiple advantages, especially for freelancers and entrepreneurs. From making international payments to protecting your savings from local economic instability, it helps you operate securely and efficiently—without needing to travel to the U.S.
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To open an account as a non-resident, you’ll need to meet certain documentation and legal criteria. Prodezk offers full support in navigating these steps successfully.
While some banks require a Social Security Number (SSN), many accept an ITIN (Individual Taxpayer Identification Number), designed for non-residents. Prodezk specializes in securing ITINs for Hispanic entrepreneurs.
Traditional banks like Chase or CitiBank usually require deposits ($25–$1000), while digital banks like Mercury or Relay often don’t. Capital One is popular for not requiring any minimum deposit.
Capital One is one of the most popular options among Spanish speakers to open an online bank account in the U.S., due to its ease of access and absence of commissions.
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Opening a Chase bank account from abroad is more complicated due to strict requirements, but the benefits may be worth it.
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CitiBank and Bank of America are banks with strong international presence, ideal if you are looking for prestige and strength.
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Virtual banks such as Mercury, Relay and Wise offer agile and practical options specially adapted for non-residents and digital businesses.
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To simplify the process, here’s a clear and practical step-by-step guide you can follow with ease—and complete even faster with expert support from Prodezk.
Carefully evaluate which bank best suits your needs. Consider requirements, processing times, fees, and ease of access from your country of residence.
If you don’t have a Social Security Number (SSN), the ITIN is your gateway. Issued by the IRS, this number allows access to U.S. financial services. Prodezk specializes in ITIN processing, ensuring your application is fast and smooth.
Prodezk Tip: Apply for your ITIN early to avoid delays when opening your bank account.
Filling out the application to open a U.S. online bank account requires precision and understanding of legal and technical terms in English. Even small mistakes can lead to delays or rejection.
Avoid the risks and let Prodezk handle everything. We take care of the entire process with flawless documentation tailored to your selected bank’s requirements.
Once your application is submitted, the bank will review and validate your documents. This may include video interviews or additional verifications. Prodezk will support you through this step, ensuring transparency at every stage.
Make your initial deposit (if required). Once your identity is confirmed, your online account will be active, and you’ll receive your physical debit card at the address provided.
Prodezk handles the entire ITIN process with the IRS and provides personalized tax advisory services to help optimize your U.S. financial strategy.
We understand how important it is to feel supported in international processes. That’s why we speak your language and guide you every step of the way until your account is successfully activated.
Use this practical checklist to organize your account opening process with ease:
☐ Valid government-issued ID (passport or driver’s license)
☐ Recent proof of address
☐ ITIN application submitted
☐ Bank application forms accurately completed
☐ Initial deposit prepared (if required)
☐ Identity verification approved by the bank
☐ Online bank account activated and ready to use
Yes. Many banks like Capital One, Mercury, or Wise allow account openings using only an ITIN—making it easier for non-residents without an SSN.
Generally between 3 to 10 business days, depending on the bank and documentation submitted.
Checking accounts are designed for frequent transactions (payments, withdrawals), while savings accounts are meant for storing funds and earning small, consistent interest.
The most recommended platforms are Capital One, Mercury, Relay, and Wise due to their flexibility for non-residents and acceptance of the ITIN.
It depends on the bank. Some like Capital One or Mercury don’t require an initial deposit, while others such as CitiBank or Chase typically do.
Generally no, but it’s essential to read the terms and conditions carefully. Digital banks like Mercury are transparent, whereas traditional banks may have maintenance or transaction fees.
Opening a U.S. online bank account from abroad doesn’t have to be complicated. With the right information and Prodezk’s expert guidance, you can quickly gain access to the financial and business advantages the U.S. offers.
Take the next step with the confidence of having trusted professionals by your side.
Schedule your free consultation today!
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