How to Open a US Business Bank Account from Overseas (100% Remote)
Dec 22, 2025
The world is your marketplace, but for many global entrepreneurs, the United States is the ultimate destination. Whether you’re selling products on Amazon, offering SaaS solutions to American startups, or freelancing for high-ticket clients, having a US business bank account is the key that unlocks the door to the US economy.
Historically, the phrase "opening a US bank account" struck fear into the hearts of overseas founders. It usually involved a long-haul flight, a stack of confusing paperwork, and a high chance of rejection at the bank teller’s window.
But it’s 2025. You shouldn't have to cross an ocean just to get a routing number. In this guide, we’ll show you exactly how to open a US business bank account from overseas—without ever leaving your desk.
The Biggest Hurdle: The "In-Person" Myth
Many traditional US institutions still operate on a 20th-century mindset. They assume that if you want a US account, you must be physically present in the US. They often ask for things that an overseas founder simply doesn't have:
A local US utility bill in your name.
A physical appearance at a branch for "verification."
For a founder in Lagos, Jakarta, or Berlin, these aren't just hurdles—they are brick walls. However, the rise of Global Fintech has created a path specifically for the "overseas entrepreneur."
The Essential Toolkit for Overseas Founders
To successfully open a US account from abroad, you need three foundational pieces. Think of these as your "Digital US Identity."
1. Your Registered US Entity
You cannot open a US business account without a US business. Most international founders opt for a Limited Liability Company (LLC). You can register an LLC in states like Wyoming or Delaware through online formation services. These states are "founder-friendly" and don't require you to be a resident.
2. The EIN (Your Business Tax ID)
The Employer Identification Number (EIN) is non-negotiable. It is the number that identifies your business to the IRS and, more importantly, to your bank.
How to get it from overseas: If you don't have a US Social Security Number, you can still apply for an EIN by mailing or faxing Form SS-4 to the IRS. While it takes longer (2–4 weeks), it is perfectly legal for non-residents.
3. A US Business Address
Banks require a "Physical Address" for the business. While you are overseas, you can use a Registered Agent or a Virtual Mailbox service that provides a real street address (not a P.O. Box).
How to Open the Account Remotely (The Step-by-Step)
Once you have your LLC and EIN, follow this remote-friendly workflow:
Step 1: Digital Identity Verification
Instead of an in-person meeting, modern platforms like Hurupay use biometric verification. You will need a valid international passport. You’ll likely be asked to take a live selfie or a short video to prove you are the person on the document.
Step 2: Upload Business Documentation
You will need to provide:
Articles of Organization: Proving your LLC is active.
EIN Confirmation Letter: The official document from the IRS.
Operating Agreement: Showing who has the authority to manage the funds.
Step 3: Connect to Global Platforms
Once your account is open, the magic happens. A US account opened from overseas should act like a bridge. You can now:
Link to Stripe or PayPal to collect global payments.
Receive ACH and Wire transfers from US clients.
Connect to platforms like Upwork, Fiverr, or Amazon Central.
Why Hurupay is the Choice for Overseas Entrepreneurs
At Hurupay, we didn't just "add" a remote option—we built our entire platform for the global citizen. Here is how we make the overseas experience better than a traditional US bank:
1. No Travel Required. Period.
Our onboarding is 100% digital. We specialize in verifying international founders and cross-border businesses.
2. Multi-Currency Wallets
A traditional US bank only lets you hold USD. Hurupay allows you to hold USD, EUR, GBP, and Stablecoins. This is vital for overseas founders who might want to keep some profits in a stable digital currency like USDC to hedge against local currency devaluation.
3. Earn 8% While You Sleep
While US "Big Banks" offer near-zero interest, Hurupay rewards your business growth. You can earn up to 8% annual interest on your balances. Because the interest compounds in real-time, your money is working for you even when you're in a different timezone.
4. 24/7 Global Payouts
Traditional US banks are closed on weekends and US holidays. If you need to pay a supplier in China or a developer in India on a Saturday, a traditional bank will make you wait. Hurupay’s stablecoin integration means you can move money across the world in seconds, 24/7.
Common Mistakes to Avoid
Using a VPN during signup: Many banking systems flag VPNs as "high risk." It is better to sign up using your actual local IP address so the bank knows exactly where the account holder is located.
Incomplete EIN Letters: Make sure you have the official CP 575 or 147C letter from the IRS. A simple "receipt" of application is usually not enough for banking compliance.
Forgetting Local Tax Laws: While you have a US account, remember that you may still have tax obligations in your home country. Always consult with a cross-border tax professional.
Conclusion: The World is Getting Smaller
The barrier between "local" and "global" is disappearing. You no longer need to be a US citizen or a US resident to benefit from the world’s most powerful financial system. By setting up your LLC, obtaining your EIN, and partnering with a modern platform like Hurupay, you can run a "US Business" from anywhere in the world.
Ready to launch your US business from overseas?
Open your Hurupay Business Account today and get the local US details you need to scale.
