US Corporate Banking — Mercury, Brex & Tier-1 Banks
The account matched to your model: Mercury and Brex for tech-first founders, JPMorgan, Bank of America and Wells Fargo for an established business. EIN and ITIN we handle for you. Accounts are multi-currency.
What Banking & Treasury includes in the US
What you receive
How it works
Helpful resources
Where to register and how we differ
Banking & Treasury in the US — frequently asked questions
A non-resident opens an account for a US company three ways: (1) Mercury — fully online, no minimum balance, EIN-based onboarding, built for tech startups; (2) Relay Financial — a similar remote process; (3) Chase or Bank of America — an in-person branch visit with passport, company documents, and EIN. Mercury is the fastest: the account often opens within 1–3 days of EIN receipt.
Yes. Mercury is the most-used banking option for international founders running a US LLC or C-Corp. You need the EIN, Certificate of Formation/Incorporation, Operating Agreement or Bylaws, and a passport — no SSN, no ITIN. Mercury gives you a US routing and account number, a debit Visa, and free wires, domestic and international. Funds are FDIC-insured through partner banks under a sweep program — up to $5M.
A US bank routing number (ABA routing number) is a 9-digit code identifying the financial institution for wire transfers, ACH payments, and check processing. There's no working around it: US clients, marketplaces (Amazon, Stripe, PayPal), and payroll providers pay only into a US account with a valid routing number. Otherwise — delays, higher FX fees, and effective lockout from US payment infrastructure.
The standard pack: the EIN confirmation letter from the IRS (Form SS-4 approval), Certificate of Formation (LLC) or Certificate of Incorporation (C-Corp), Operating Agreement or Bylaws, passports for all beneficial owners, and proof of business purpose — website, invoices, or a business plan. For high-risk industries (crypto, cannabis, MSB), enhanced due diligence kicks in, and traditional banks often decline. Fintech alternatives like Mercury or Brex are more accessible.
Stripe pays US entities only into a US bank account with a valid ACH routing number. PayPal US business accounts can receive funds, but withdrawals above certain thresholds also require a US bank. Without one, a US entity gets no ACH payouts — and most SaaS, marketplace, and e-commerce flows ride on them. The account comes first.