Step-by-step guide for non-residents to open Bank of America
Short answer: a non-resident can open a Bank of America business account only by visiting a US branch in person, and the bank generally requires an SSN or ITIN. If you have neither, a digital bank is the realistic route — compare the two in fintech vs Bank of America for an LLC. If you can meet the requirements, this guide walks you through every step.
Before starting, ensure you have your Wyoming LLC formed and EIN obtained.
$16 (waivable)
$0
1-2 weeks
Complete formation with registered agent.
Apply for EIN from the IRS.
Gather passport, LLC documents, Operating Agreement, and EIN letter.
Schedule a small business appointment at a US branch. Without an SSN, the account cannot be opened online.
Bring your passport and second ID, and originals or certified copies of your LLC documents and EIN letter, with every name matching exactly.
Bank of America will review your application, typically taking 1-2 weeks.
Fund with minimum deposit ($0) to activate.
Ensure all information matches exactly across documents.
A professional website helps establish legitimacy.
Respond to bank requests within 24-48 hours.
Bank of America typically takes 1-2 weeks.
Usually not. Bank of America, like Chase and Wells Fargo, generally requires the owner to have an SSN or ITIN and to open the account in person at a US branch. A non-resident without either typically opens a digital account such as Mercury or Relay instead.
Your EIN confirmation letter, Articles of Organization, operating agreement, passport plus a second government ID, a US business address, and an SSN or ITIN.
Bank of America charges $16 (waivable) monthly with $0 minimum.
Start with forming your Wyoming LLC. We will help you get banking-ready.
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