The 5 Best US Bank Accounts For Non-Residents (Updated 2024)

Relayfi is currently my number-one choice for a U.S. bank account!

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Check out James’ top recommended videos here - these are cornerstone videos that should answer many of your questions.

-----Longer videos that explain it all!

-----Guides and How tos

-----And don’t forget to check out all of the “CALLS WITH JIM”

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Do you want to learn how to open and operate a Tax Free Company in the USA even if you live outside the US and don’t have a visa.

Already have an LLC? Did you already complete form 5472 for your company? Did you know there is a $25,000 penalty for not doing this form? I’ve made a short training that explains exactly what you need to do and why so you can get this done quickly and correctly, the first time around.

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Lawyer Disclaimer (Occupational Hazard): This is not legal advice. Everything here is for informational purposes only and not for the purpose of providing legal advice. You should contact your attorney for advice regarding any particular issue or problem.

“Relay is a financial technology company, not an FDIC-insured bank. Banking services and FDIC insurance are provided through Thread Bank2,3 and Evolve Bank & Trust; Members FDIC. The Relay Visa® Debit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa® debit cards are accepted”

[JamesBakerCPA]

Relayfi is currently my number-one choice for a U.S. bank account!

[Ubaldo-chamu]

I just spent 4 months in California with a tourist Visa B1/B2, I took like a sabbatical vacation and since I stayed for a couple of months, I had to open a debit bank account with Bank of America, for my personal needs, shopping, buying food, etc. I had no problems, just went to the bank with my brother who is a resident and just used his address and my passport as an ID and they open my account without any problems. Thanks for the updated info.

[mohammadhussein]

Just an FYI, as of 2024, actual business address is required, since there is a mandatory requirement by the Corporate Transparency Act (CTA), where registered agent's address, virtual addresses, P.O. Boxes are not accepted

[gyorg]

Great video! Just a heads up, for Highbeam, they require a Social Security Number (SSN), which many non-residents may not have

[iilnyvd]

Thank you for this video. As a Nigerian, its really difficult to operate my ecom businesses having no access to a reliable US Bank account. Mercury and Wise closed my account for no reason. Relay fi don't allow Nigerians. I have Stripe, but don't want to use because of stories I've heard. Will try out High Beam now.

[perspectivex]

I like your videos, informative and succinct. Your "....For Non-Residents" videos leave me wondering though, would all the info you provide be exactly the same for expats (non-resident but are u.s. citizens living permanently or indefinitely abroad)? It seems like the rules for non-resident u.s. citizen would at least sometimes be different than for 'the rest of the world.'

[damiangaitan]

James how do you get a proof of address in US if you are a foreigner applying for an account with the big 4 banks? Registered agent?

[syebethel]

Wise allows debit cards in Canada, possibly other countries as well. I got mine this year, don't know if they've changed their mind for some countries since.

[sdatrading]

I opened in Regions and Citibank, all in Miami, no proof of address on these. Only passport and second ID, for business and personal

[lamaarmanning]

great videos but what if i am a freelancer and want a business account due to having clients in US & on a visa?

[carmalbarlow]

Do you pay fees to open a new bank account as a USA resident ??

[thetechhack]

Relayfi is currently open in USA resident person or who have physical address there ""A physical personal address in the U.S. is required when using a Registered Agent business address.""

[chowmonkey]

Wise is ok but their USD accounts are on hold for quite some time now.

[carmalbarlow]

And do you pay fees if your bank account freeze or get hacked to get money out ?

[ceramics]

Hi James,
Do these banks also have problems with Non-ETBUS Single Member LLC DE ? Such as requiring a W9 or not serving foreign owners ?
What are your consulting fees ?

[HumbertoPelaez]

Hi James, I think you should update this video. Relay is not opening new accounts for Non-Resident anymore. The same thing with Novo Bank and Lili Bank.

[frankgarcia]

Great Videos! but Please Slow Down a little you talk way tooo fast!!!

[astroline]

Hello I am happing problem signing up for Mercury bank account

[KaranSharma-tj]

how much your company charge for opening account for non resident in us

[maitreya]

Wish I had known about your service 2 years ago when i had an LLC out of wyoming. the US tax code was so friggin confusing I just closed shop