Quick Bank Comparison
| Bank | Best For | Monthly Fee | Approval Difficulty | Key Feature |
|---|---|---|---|---|
| Mercury | Startups | $0 | Moderate | Virtual cards + API |
| Relay | Agencies | $0 | Easy | Unlimited accounts |
| Wise Business | International | $0 | Easy | Multi-currency |
| Novo | E-commerce | $0 | Moderate | Invoicing built-in |
| Brex | Funded startups | $0 | Hard | Corporate cards |
Complete Banking Guide
Bank-Specific Guides
Mercury Bank for Wyoming LLC
Most popular for startups. No monthly fees, virtual cards, API access. Step-by-step application guide.
Read guide →Mercury Approval Timeline
How long Mercury takes to approve (1-5 days) and what affects speed.
Read guide →Relay Bank for Wyoming LLC
Alternative to Mercury. Multi-account features, expense management. Full application guide.
Read guide →Wise Business for Wyoming LLC
Multi-currency account with US routing number. Best for international transfers.
Read guide →Troubleshooting
Payment Processors
Free Banking Tools
Frequently Asked Questions
Can a non-resident open a US bank account with a Wyoming LLC?
Yes. Non-residents can open US business bank accounts with a Wyoming LLC through online banks like Mercury, Relay, and Wise Business. You need an EIN, US address (registered agent), and proper documentation. No US visit or SSN is required.
What is the best bank for Wyoming LLC non-residents?
Mercury is the best overall bank for Wyoming LLC non-residents. It offers no monthly fees, virtual cards, API access, and excellent startup features. If Mercury rejects your application, Relay is the best alternative with easier approval.
What documents do I need to open a bank account?
You need: (1) EIN from the IRS, (2) Articles of Organization, (3) Operating Agreement, (4) US address (registered agent), and (5) Government-issued ID. Some banks also require a website or proof of business activity.
Why was my bank account application denied?
Common reasons include: no website or online presence, high-risk business category, incomplete documentation, or being from a restricted country. Try Relay or Wise Business if Mercury denies you—they have easier approval.
Which US Banks Accept Non-Resident Wyoming LLC Owners?
Mercury, Relay, Wise Business, and Novo accept non-resident Wyoming LLC owners for business bank accounts without requiring an SSN or US visit. Each bank offers $0 monthly fees and online applications, but they differ in approval difficulty, features, and minimum deposit requirements.
| Bank | Accepts Non-Residents? | Minimum Deposit | Monthly Fee | Key Features |
|---|---|---|---|---|
| Mercury | Yes | $0 | $0 | Virtual cards, API access, Treasury, team permissions |
| Relay | Yes | $0 | $0 | Up to 20 checking accounts, profit-first budgeting, auto-transfers |
| Wise Business | Yes | $0 | $0 | Multi-currency (40+ currencies), US routing number, low FX fees |
| Novo | Yes (limited) | $0 | $0 | Built-in invoicing, app integrations, e-commerce focused |
How Do Mercury, Relay, and Wise Compare for Non-Residents?
Mercury offers the best startup banking features, Relay provides the easiest approval, and Wise Business delivers the lowest international transfer fees. All three charge $0 monthly fees and accept non-resident Wyoming LLC owners through online-only applications.
| Feature | Mercury | Relay | Wise Business |
|---|---|---|---|
| Monthly Fee | $0 | $0 | $0 |
| ACH Transfers | Free | Free | $0.56 per transfer |
| Wire Transfers | $5 domestic | $5 domestic | Low-cost (FX rate based) |
| Virtual Cards | Yes | Yes (Pro plan) | Yes |
| Multi-Currency | No | No | Yes (40+ currencies) |
| Approval Time | 1-5 business days | 1-3 business days | 1-2 business days |
| Approval Difficulty | Moderate | Easy | Easy |
| Best For | Startups, SaaS, tech | Agencies, freelancers | International payments |
| API Access | Yes | No | Yes |
Read the full comparison guides: Mercury vs Relay, Mercury vs Wise, and Relay vs Wise.
Can You Open a US Bank Account Without Visiting the US?
Yes, you can open a US bank account entirely online without visiting the United States. Mercury, Relay, and Wise Business all accept 100% remote applications from non-residents with a Wyoming LLC, EIN, and passport.
The entire process takes 1-5 business days. You submit your application online, upload identity documents, and verify via video call if requested. No branch visit, no US address proof beyond your registered agent, and no Social Security Number.
The remote account opening process follows these steps:
- Choose your bank — Mercury for startups, Relay for easy approval, Wise for international transfers.
- Gather documents — EIN letter, Articles of Organization, Operating Agreement, passport.
- Complete the online application — Fill in business details, upload documents, and submit.
- Identity verification — Some banks request a short video call or selfie verification.
- Account activation — Receive your account number, routing number, and debit card (if applicable).
What Documents Do You Need to Open a US Bank Account?
You need five documents to open a US bank account with a Wyoming LLC: your EIN letter from the IRS, Articles of Organization, Operating Agreement, a US mailing address from your registered agent, and a government-issued passport.
Some banks also require proof of business activity such as a live website, client contracts, or invoices. Mercury is the most documentation-heavy, while Relay and Wise require fewer supporting materials.
- EIN (Employer Identification Number) — Your federal tax ID from the IRS. Get your EIN without an SSN.
- Articles of Organization — Filed with the Wyoming Secretary of State during LLC formation.
- Operating Agreement — Internal governance document. Banks require this even for single-member LLCs.
- US Mailing Address — Your registered agent address satisfies this requirement.
- Passport or Government ID — Must match the name on your LLC documents exactly.
- Website or Business Proof — A live website, LinkedIn profile, or client contract strengthens your application.
| Document | Mercury | Relay | Wise Business |
|---|---|---|---|
| EIN Letter | Required | Required | Required |
| Articles of Organization | Required | Required | Required |
| Operating Agreement | Required | Required | Optional |
| Passport | Required | Required | Required |
| Website / Business Proof | Recommended | Optional | Optional |
What If Your Bank Account Application Is Denied?
Apply to a different bank immediately if your application is denied — Relay and Wise Business have higher approval rates than Mercury. Most denials happen because of missing documentation, no business website, or operating in a restricted industry.
Before reapplying, fix these common issues: build a simple website for your business, ensure your business description matches your actual operations, gather all required documents, and avoid mentioning high-risk activities like cryptocurrency or gambling.
Denial recovery path: Mercury denied → apply to Relay. Relay denied → apply to Wise Business. All three denied → contact us on WhatsApp for personalized help.
Which Bank Is Best for Your Country?
The best bank for your Wyoming LLC depends on your country of residence because approval rates, transfer fees, and currency support vary by location. Select your country below for a tailored banking recommendation with step-by-step instructions.
How Do the Top Banks Compare Head-to-Head?
Each bank comparison guide breaks down fees, features, approval rates, and the best use case so you can choose the right bank for your Wyoming LLC. Select any pair below for a detailed side-by-side analysis.
Bank Account Opening Guides
Step-by-step instructions for opening a business bank account at each major US bank with your Wyoming LLC. Each guide covers requirements, application process, approval timeline, and tips for non-resident applicants.
Bank Comparison Guides
Head-to-head comparisons of major traditional banks for Wyoming LLC owners. These guides break down fees, features, branch access, and non-resident acceptance policies.
Digital vs Traditional Banking
Should your Wyoming LLC use an online-only fintech bank or a traditional bank with branches? These guides compare digital banks like Mercury and Wise against traditional options like Chase and Bank of America for non-resident LLC owners.
Ready to open your US bank account?
We guide you through the entire process. Get help on WhatsApp.
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