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 2026. 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
| Bank | Best For | Rating | Monthly Fee | Funding Time | Requirements |
|---|---|---|---|---|---|
| Mercury | Best Overall | 4.8/5 | $0 | Instant | EIN, US address (registered agent), Website or social proof |
| Relay | Best for Multiple Accounts | 4.7/5 | $0 | 1-2 days | EIN, US address, Basic business info |
| Wise Business | Best for International | 4.6/5 | $0 | Instant | EIN (optional), US address, ID verification |
| Nov | Best for E-commerce | 4.5/5 | $0-$35 | 1-3 days | EIN, US address, Active business |
| Brex | Best for Startups | 4.4/5 | $0 | 1-2 days | EIN, US address, Funding or revenue proof |
| Axos | Best Traditional Bank | 4.2/5 | $10-15 | 3-5 days | EIN, US address, Articles of Organization, ID verification |
| Firstbase | Best All-in-One | 4.3/5 | $0 (formation fee applies) | 2-4 days | EIN (they help), US address (included), Basic info |
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.
Frequently Asked Questions
Can I open a US business bank account without an SSN?
Yes. Mercury, Relay and Wise Business open US business accounts using your LLC's EIN instead of a Social Security Number. You do not need an SSN or an ITIN. The EIN is issued by the IRS and is the only tax identifier these banks require.
What documents do I need to open the account?
Four documents: your approved Articles of Organization from Wyoming, your EIN confirmation letter from the IRS, your LLC operating agreement, and a valid passport. Your registered agent's Wyoming address serves as the business address.
Do I need to visit the United States to open the account?
No. Mercury, Relay and Wise Business complete the entire process online through document upload and identity verification, which sometimes includes a video call. Traditional banks such as Chase and Bank of America still require an in-person branch visit, which is why non-residents use the online banks instead.
How long does approval take?
Approval takes 1 to 5 business days. Mercury is typically fastest at 1 to 3 business days, Relay takes 2 to 5, and Wise is often approved in 1 to 2. Delays usually mean the bank has asked for additional documentation.
What should I do if my application is rejected?
Ask the bank for the specific reason, then apply elsewhere. Mercury rejects applicants without a website or visible online presence more often than Relay does, so Relay is the usual second choice. Wise Business works as a third option and is the most permissive on country of residence.
Do I need the EIN before I apply?
Yes. No US business bank will open an account without an EIN. Non-residents without an SSN obtain one by filing Form SS-4 with the IRS by fax, which takes 2 to 4 weeks.
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