Can I Open a US Business Bank Account Online? (2025 Guide for Non-Residents)
Dec 22, 2025
For years, the biggest obstacle for international entrepreneurs wasn't starting a business—it was opening the bank account. The "old way" required a physical trip to the United States, thousands of dollars in travel costs, and a stressful in-person interview at a local bank branch.
But the world has changed.
If you are wondering, "Can I open a US business bank account online?" the answer is a resounding yes. In 2025, you can establish a professional US banking presence from your home in Lagos, Nairobi, Manila, or London without ever stepping foot on a plane.
In this guide, we’ll show you exactly how to skip the flight and open your account 100% remotely.
The Shift: Why You No Longer Need to Travel
Historically, traditional US banks (like Chase or Wells Fargo) relied on physical identification. They wanted to see you, touch your passport, and verify your "physical presence." For a global founder, this was a massive barrier to entry.
Today, federal regulations still require strict "Know Your Customer" (KYC) checks, but the method of verification has evolved. Modern fintech platforms and digital banks now use secure video verification, biometric scanning, and digital document cross-referencing to verify international founders.
This means you can now get a US Routing Number and Account Number using just your smartphone.
The 4 Must-Haves for Remote Opening
To open a US business account online, you generally need to have your "legal house" in order. Most digital platforms will require these four things:
1. A Registered US Entity (LLC or C-Corp)
You cannot open a US business account for a foreign company (e.g., a Nigerian Ltd or a UK PLC) at most US-based financial institutions. You must first register an LLC or C-Corp in a US state like Delaware or Wyoming.
2. An EIN (Employer Identification Number)
This is your business’s tax ID. You can obtain this from the IRS. While the online EIN application usually requires a US Social Security Number (SSN), non-residents can still get an EIN by filing Form SS-4 via fax or mail.
3. A Valid International Passport
Your passport is the gold standard for identity. Most online banking platforms will ask for a high-quality scan or a live photo of your passport during the signup process.
4. A US Business Address
While you don't need to live in the US, your business needs a "home." Most founders use a Registered Agent address or a Virtual Mailbox service to satisfy this requirement.
The Roadblocks: Why Traditional Banks Still Say "No"
Even though it’s technically possible to open accounts online, many "Big Banks" still make it difficult for non-residents. Common hurdles include:
SSN/ITIN Requirements: Many online application forms won't let you proceed without a Social Security Number.
Physical Signature: Some banks still require a wet ink signature at a branch.
Address Rejection: Automated systems often flag virtual addresses as "non-physical," leading to instant rejection.
The Solution: Opening Your Account Online with Hurupay
Hurupay was built to bridge the gap between global talent and US financial infrastructure. We believe your location shouldn't dictate your opportunity.
Here is why Hurupay is the premier choice for opening a US-based account online:
1. 100% Digital Onboarding
No flights, no embassies, no interviews. You can download the Hurupay app and complete your application in minutes. We specialize in verifying international IDs, so you won't get stuck in a "manual review" loop for weeks.
2. No SSN or ITIN Required
We understand that global founders often don't have US tax IDs for themselves personally. Our system is designed to work with your international passport and your US business EIN.
3. Local Details for Global Platforms
When you open an account with Hurupay, you get a real US account and routing number. You can plug these directly into:
Stripe & PayPal: To accept customer payments.
Upwork & Fiverr: To receive your freelance earnings.
Amazon: To manage your e-commerce payouts.
4. The Power of Stablecoins
Traditional banks are limited by "banking hours." If you receive a payment on Friday night, you might not see it until Tuesday. Hurupay uses stablecoin technology (USDC/USDT) to ensure that once your USD arrives, you can move it 24/7.
5. High-Yield Returns
Why let your business capital sit idle? Hurupay offers up to 8% annual interest on your balance. While a traditional US checking account gives you 0.01%, Hurupay helps your money work as hard as you do.
Step-by-Step: How to Get Started
If you have your LLC and EIN ready, follow these steps to open your account today:
Download the Hurupay App: Available on the Google Play Store and Apple App Store.
Upload Your Documents: Have your passport and EIN confirmation letter (CP 575) ready.
Complete Biometric Check: A quick selfie to confirm you are who you say you are.
Wait for Verification: Our team typically reviews and approves accounts within 1–3 business days.
Receive Your Details: Once approved, your US account details will appear in the app, ready for use.
Conclusion: The Borderless Future is Here
The days of needing a visa just to open a bank account are over. Whether you’re a solopreneur, a startup founder, or a scaling agency, you can open a US business bank account online with the right partner.
Don't let legacy banking systems slow down your growth. Get the US account you need to compete on a global stage.
Ready to open your global account?
Sign up for Hurupay now and start receiving USD payments in minutes.
