Introduction
In today’s digital era, you no longer need to visit a bank branch to open an account. Whether you’re a U.S. resident, non-resident, or international entrepreneur, understanding how to open a bank account in USA online is a convenient way to manage your finances, receive payments, and grow your business.
This guide walks you through everything you need to know — from eligibility and documents to top banks and common FAQs.
Who Can Open a U.S. Bank Account Online?
You can open a U.S. bank account online if you are:
- A U.S. citizen or permanent resident
- A non-resident alien (NRA) with valid identification
- An international business owner setting up a U.S. company
Some banks have specific requirements for foreigners or non-residents, so it’s important to check before applying.
Types of U.S. Bank Accounts You Can Open Online
- Personal Checking Account
- For everyday use (deposits, payments, bills)
- Personal Savings Account
- To earn interest on saved funds
- Business Checking Account
- Required for LLCs, corporations, and freelancers in the U.S.
Documents Required
To open a bank account in the USA online, most banks ask for:
For U.S. Citizens/Residents:
- Social Security Number (SSN)
- U.S. driver’s license or state ID
- U.S. address
- Email and phone number
For Non-Residents/Foreigners:
- Valid Passport
- U.S. mailing address (can use registered agent or virtual address)
- EIN (if opening a business account)
- Company formation documents (for LLCs or Corps)
How to Open a Bank Account in USA Online: Step-by-Step
Step 1: Choose the Right Bank
Popular banks offering online account opening include:
- Chase
- Bank of America
- Wells Fargo
- Capital One
- Mercury (for startups & LLCs)
- Relay (for digital businesses)
Step 2: Select Account Type
Choose between a checking, savings, or business account based on your need.
Step 3: Complete the Online Application
- Fill in your personal or business information
- Upload documents as required
- Verify your identity via email/SMS or webcam in some cases
Step 4: Fund Your Account
Make an initial deposit via debit card, wire transfer, or ACH from another account.
Step 5: Start Banking Online
Once approved, you can use your account for transactions, payments, and receiving funds.
Top Banks That Allow Online Account Opening for Foreigners
| Bank Name | Account Type | Foreigners Allowed? | Website |
|---|---|---|---|
| Mercury | Business Checking | Yes | mercury.com |
| Wise (via Evolve) | Multi-currency | Yes | wise.com |
| Payoneer | Business Account | Yes | payoneer.com |
| Revolut | Personal/Business | Yes | revolut.com |
| Relay | Business Checking | Yes | relayfi.com |
Tips for a Smooth Online Application
- Make sure your name and address match across all documents
- Use a reputable U.S. business address (if applicable)
- For business accounts, your LLC or corporation should be in good standing
- Keep an eye on your email for verification steps or approval notices
Conclusion
Knowing how to open a bank account in USA online empowers individuals and businesses worldwide to tap into the U.S. financial system without geographic limitations. Whether you’re a U.S. resident or a foreign entrepreneur, digital banking makes financial management easier than ever.
