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Non-Resident Banking Timeline Calculator

Calculate how long it takes to open a US business bank account as a non-resident. Compare Mercury, Relay, and Wise by country. Get your personalized document checklist.

Takes about 2 minutes
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Your Situation

LLC formation complete

EIN confirmation letter received

Required Documents

Articles of Organization
From: Wyoming Secretary of State
EIN Confirmation Letter (CP 575)
From: IRS
Operating Agreement
From: LLC Formation
Valid Passport
From: Your Country
?
Proof of Address
From: Utility Bill/Bank Statement
If requested

Select Your Country

Choose your country to see estimated approval times for Mercury, Relay, and Wise.

Compare All Banks

FeatureMercuryRelayWise
Monthly Fee$0$0$0
Domestic Wire$0$5$0
International Wire$15$10Low FX
Virtual Cards
Interest on Savings--
Multi-Currency--

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Frequently Asked Questions

How long does it take to open a US bank account as a non-resident?

For non-residents with a Wyoming LLC, Mercury Bank approves in 1-3 business days, Relay Bank in 2-5 days, and Wise Business in 1-2 days. Total timeline from LLC formation to active bank account is 6-12 weeks, with EIN processing being the longest step (4-8 weeks).

Which US banks accept non-resident LLC owners?

Mercury Bank, Relay Bank, and Wise Business accept non-resident Wyoming LLC owners. Traditional banks like Chase and Bank of America require in-person visits. Mercury has the highest approval rate but restricts some countries. Wise accepts the widest range of countries.

What documents are needed to open a US bank account as a non-resident?

Non-residents need four documents: (1) Approved Articles of Organization from Wyoming, (2) EIN confirmation letter (CP 575) from IRS, (3) Operating Agreement, and (4) Valid passport. Some banks may also request proof of address from your home country.