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ApplyRight field notes
One of the few whitelist banks that explicitly supports China (it's on the 14-country list). Features are basic, it pushes paid tiers, and the application form is long and clunky to fill out. Fine for individuals or small teams who just need a simple US account on a budget.
Eligibility at a glance
- Requires SSN
- No
- Overseas operating address
- No
- Intl wire (out)
- —
- Virtual cards
- TBD
- Account manager
- None
Best for
- Freelancers, solo founders, and small businesses
- Non-US founders with a US LLC who want a simple, free account
- Anyone who wants built-in invoicing, accounting and tax tools
Where it falls short
- Only serves Lili-supported countries — verify yours first
- No real API and weaker integrations
- Wire fees are not clearly published
- Not built for scaled or high-volume operations
Only these countries qualify
ArgentinaAustraliaBrazilCanadaChileChinaColombiaIndiaIsraelMexicoNew ZealandNorwayUnited KingdomUruguay
Restricted industries
CannabisAdult contentGamblingFirearmsMoney services (MSB)Crypto exchangeShell companies
Documents to prepare
- A US-registered company
- An EIN
- A foreign passport (no SSN required)
- A US address (residential accepted) as the principal place of business