Branch visit, SSN or ITIN, 1-2 weeks: what a non-resident actually needs
Short answer: a non-resident can only open a Chase business account by visiting a US branch in person with two forms of government ID, and Chase generally also requires an SSN or ITIN. Without those, start with a digital bank — see the best banks for a non-resident LLC.
Chase is one of the largest US banking institutions offering comprehensive business services. For non-resident Wyoming LLC owners, Chase represents the traditional banking option with established credibility but stricter requirements. Chase does not refuse non-residents outright, but the in-person requirement and the SSN or ITIN it generally asks for rule most of them out.
Before approaching Chase, ensure your Wyoming LLC is fully formed and you have obtained an EIN from the IRS.
| Feature | Chase | Digital Banks |
|---|---|---|
| Monthly Fee | $15 (waivable) | Usually $0 |
| Minimum Deposit | $0 | $0 |
| Branch Access | Yes - Nationwide | Online only |
| Non-Resident Friendly | Limited | Yes |
Form your Wyoming LLC through a registered agent service.
Apply for an EIN without SSN.
Call Chase business banking to find a branch experienced with international clients. Without an SSN the account cannot be opened online.
Bring your passport and a second government ID, Articles of Organization, operating agreement and EIN letter. Expect a decision in about 1-2 weeks.
For most non-resident Wyoming LLC owners, we recommend starting with a digital bank like Mercury or Wise Business rather than Chase. Digital banks offer faster approval and no SSN requirements. Once your business is established, you can then approach Chase for their premium services.
For a non-resident the big three traditional banks look alike: each expects a branch visit and generally an SSN or ITIN, and each charges a waivable monthly fee. Chase has the largest branch network. If you are choosing between them, see Chase vs Bank of America, the Wells Fargo guide and how to open a Bank of America account. If you are choosing between Chase and a digital bank, see Mercury vs Chase.
Rarely. Chase requires the owner to open the account in person at a US branch with two forms of government-issued ID, and it generally requires an SSN or ITIN. A non-resident without either is usually declined, which is why most non-resident Wyoming LLC owners open a digital business account first.
Typically 1-2 weeks after the branch appointment, once Chase has reviewed your LLC documents, EIN letter and ID. Digital banks such as Mercury and Relay need no visit and usually decide faster.
Chase requires $0 to open. Business checking carries a $15 monthly fee, which Chase waives if you meet its balance or activity requirements.
Chase Ink cards are business credit cards, not bank accounts, and the application asks for the owner's SSN or ITIN. A non-resident without one, or without US credit history, is unlikely to be approved. Build a banking history with a digital account first.