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| A non-resident entrepreneur opening a U.S. business bank account remotely from abroad. |
How to Open a U.S. Bank Account Without Living in the U.S. (2025 Guide)
In 2025, opening a U.S. bank account remotely is not only possible—it’s surprisingly simple. Whether you’re a digital nomad, freelancer, or international business owner, you can enjoy U.S. dollar stability and seamless access to the global financial system without living in the U.S.
🌎 Step 1: Form a U.S. Company Online
Most U.S. banks require a U.S.-registered entity. You can create one remotely with platforms like StartGlobal or doola, which help foreigners form LLCs with EINs in just days.
🏦 Step 2: Pick a Remote-Friendly U.S. Bank
Traditional banks often require a visit, but remote-friendly fintechs like Wise work globally. Wise offers multi-currency accounts with U.S. routing numbers—even if you live overseas.
📑 Step 3: Prepare the Right Documents
- LLC or Corporation registration docs
- EIN confirmation (IRS letter)
- Government-issued ID
- U.S. business address (can be virtual)
Need a legal U.S. business address? Use Northwest Registered Agent to get both an address and registered agent service.
🔗 Final Tip: Link It to Global Platforms
Once your U.S. account is live, connect it to PayPal, Stripe, Deel, Upwork, or your crypto wallets. If you're a remote worker, Deel integrates easily with Wise and helps automate global payouts.
📦 Summary & Recommendations
Opening a U.S. bank account without living in the U.S. is easier than most think. With a few documents, the right platform, and affiliate support, you can legally access U.S. banking from anywhere.
✅ Need a fast LLC setup? Go with StartGlobal or doola.
\n✅ Prefer borderless banking? Wise is your go-to solution.
\n✅ Need U.S. address + registered agent? Northwest has it all.