What each bank asks you to prepare

Mercury

One of the most non-US-friendly: EIN + passport, no SSN required.

Based on our hands-on concierge experience. The face-KYC is done live by the owner — you don't hand the passport to anyone.

Slash

US entities use Business Banking; foreign companies with no US entity can use the Global USD Account (passport only, no EIN/SSN).

Copied from Slash's official help center.

Relay

Accepts US-registered, non-US-owned businesses; non-residents open with a passport — no SSN or ITIN required.

Non-residents can open with just a passport — no ITIN. (ITIN is a tax-filing number, unrelated to opening an account.) Official wording: SSN or passport number.

Brex

To verify

Accepts international founders but requires a US entity + operations; historically favors funded/scaled companies.

⚠️ To verify: Brex was acquired by Capital One in April 2026 and requirements may change; it has historically favored funded/scaled companies.

Lili

To verify

Non-US-friendly: foreign passport + EIN, no SSN, fully remote.

⚠️ To verify: limited to Lili-supported countries; Lili Connect can also help non-residents form a US company.

Rho

To verify

Incorporated businesses only (LLC/Corp); requires an onboarding call.

⚠️ To verify: whether Rho accepts pure non-residents with neither a US-based owner nor a US operating address.

Wise Business

Fully online verification; most info is collected at sign-up. US-registered businesses may face extra requirements.

No mandatory setup fee for US-registered businesses — a single transfer activates the account (or pay to unlock all features). Verification usually takes up to 10 business days. Don't upload documents unless Wise's team emails you to.

Bluevine

To verify

Accepts ITIN and foreign owners, but only for whitelisted countries — mainland China is not on the list.

⚠️ To verify: whitelisted countries only (mainland China is not on it); the line of credit typically needs an SSN + US credit history.

Airwallex

To verify

An EMI (not a bank). Accepts foreign companies; no US entity, US address or EIN required. Multi-currency and API-friendly.

⚠️ To verify: Airwallex is an EMI, not a bank — no direct FDIC protection.

Flex

To verify

Accepts foreign owners but requires real or planned US operations and a non-virtual address; no sole proprietors.

⚠️ To verify: requires real or planned US operations; purely overseas operations may not qualify.

Found

To verify

US residents with an SSN only — non-residents and ITIN / passport holders cannot open.

⚠️ US-resident-with-SSN only; non-US founders can't open this — listed here only so you can rule it out.

Novo

To verify

US residents with an SSN only — non-residents and ITIN holders cannot open.

⚠️ US-resident-with-SSN only; non-US founders can't open this, and it has no outbound international wires — listed here only so you can rule it out.

Ramp

To verify

Accepts foreign owners but requires roughly $25,000 in US bank balance + mostly-US operations; like Brex, geared to companies with scale.

⚠️ To verify: requires ~$25,000 balance + mostly-US operations; early-stage / bootstrapped non-US founders usually won't qualify.