Wyoming LLC Bank Account:7 Best Banks for Non-Residents
Open a US business bank account without SSN. Compare Mercury, Relay, Wise & more. Requirements, approval tips & step-by-step guide.
Quick Answer: What's the Best Bank?
Mercury is the best overall choice for Wyoming LLC non-residents in 2025. It offers no monthly fees, virtual cards, instant transfers, and excellent startup features. However, you need a website or active social media presence for approval.
Relay is the best alternative if Mercury rejects you or you don't have a website yet. It has unlimited free accounts and easier approval.
7 Best Banks for Wyoming LLC Non-Residents
Mercury
Pros
- • No monthly fees
- • Virtual cards
- • API access
- • Great for startups
Cons
- • Requires website/social presence
- • Can reject without reason
Requirements
- ✓ EIN
- ✓ US address (registered agent)
- ✓ Website or social proof
Relay
Pros
- • Unlimited accounts
- • No monthly fees
- • Easy approval
- • Great for agencies
Cons
- • No virtual cards on free tier
- • Limited integrations
Requirements
- ✓ EIN
- ✓ US address
- ✓ Basic business info
Wise Business
Pros
- • Multi-currency
- • Low forex fees
- • Works in 80+ countries
- • Easy setup
Cons
- • Transfer fees
- • No cash deposits
- • Limited US features
Requirements
- ✓ EIN (optional)
- ✓ US address
- ✓ ID verification
Nov
Pros
- • Built-in invoicing
- • Revenue-based financing
- • No credit check
- • Fast approval
Cons
- • Monthly fees for premium
- • Limited international support
Requirements
- ✓ EIN
- ✓ US address
- ✓ Active business
Brex
Pros
- • Corporate cards
- • High limits
- • Rewards program
- • No personal guarantee
Cons
- • Requires funding/income proof
- • Not for all industries
Requirements
- ✓ EIN
- ✓ US address
- ✓ Funding or revenue proof
Axos
Pros
- • FDIC insured
- • Cash deposits
- • Wire transfers
- • Established bank
Cons
- • Monthly fees
- • Stricter requirements
- • Longer setup
Requirements
- ✓ EIN
- ✓ US address
- ✓ Articles of Organization
- ✓ ID verification
Firstbase
Pros
- • Bank + formation
- • Dedicated support
- • Compliance alerts
- • Good for beginners
Cons
- • Higher cost ($399)
- • Annual fees
- • Less flexible
Requirements
- ✓ EIN (they help)
- ✓ US address (included)
- ✓ Basic info
What You Need to Open a Wyoming LLC Bank Account
Required Documents
- ✓ EIN (Employer ID Number)
- ✓ Articles of Organization
- ✓ Operating Agreement
- ✓ US Address (registered agent)
- ✓ Government-issued ID
Approval Tips
- ✓ Have a professional website
- ✓ Active social media presence
- ✓ Clear business description
- ✓ Valid email matching domain
- ✓ Apply during business hours
How to Open Your Account (Step-by-Step)
Get Your EIN
Apply for an Employer ID Number from the IRS. Non-residents can get this without SSN using Form SS-4. Takes 2-4 weeks.
Gather Documents
Collect your Articles of Organization, Operating Agreement, and EIN confirmation letter. Make sure your registered agent address is current.
Choose Your Bank
Start with Mercury if you have a website. If rejected, try Relay. For international transfers, use Wise Business as backup.
Complete Application
Fill out the online application with accurate business info. Use your Wyoming registered agent address as the business address.
Verify Identity
Upload your passport or government ID. Some banks require a video call for non-residents.
Fund Your Account
Transfer money via wire or ACH to activate. Most banks require $0-$100 minimum opening deposit.
Need Help Getting Your EIN First?
You need an EIN before opening a bank account. Our Wyoming LLC formation service includes EIN application assistance.
Get LLC + EIN from $297