Introduction
Opening a bank account no longer requires standing in long queues or visiting a physical branch. With the rise of digital banking, anyone can now open an online bank account in the USA from the comfort of their home. This guide covers the process, top bank options, eligibility for foreigners, and what documents you’ll need.
Why Open an Online Bank Account in the USA?
Opening a U.S. bank account online provides numerous advantages:
- Access to the U.S. financial system
- Send and receive ACH payments
- Manage personal or business finances remotely
- Save time with paperless onboarding
- Ideal for freelancers, remote workers, and international entrepreneurs
Who Can Open an Online Bank Account in the USA?
You can open an online bank account if you are:
- A U.S. citizen or green card holder
- A non-resident foreigner with proper documents
- An international entrepreneur with a U.S. LLC or corporation
What You Need to Open an Online Bank Account
For U.S. Citizens and Residents:
- Government-issued photo ID (driver’s license or state ID)
- Social Security Number (SSN)
- U.S. mailing address
- Email and mobile number
For Foreigners or Non-Residents:
- Valid passport
- EIN (for business accounts)
- Articles of Organization or Incorporation
- U.S. address (can be a virtual office or registered agent)
- ITIN (optional, but some banks require it)
Best Online Banks to Consider
| Bank / Platform | Account Type | Foreigners Allowed | Key Features |
|---|---|---|---|
| Chase | Personal, Biz | With SSN/ITIN | Mobile app, ACH, Zelle |
| Mercury | Business | Yes | Designed for startups, no SSN needed |
| Wise | Multi-currency | Yes | Get USD account details |
| Payoneer | Business | Yes | Freelancer-friendly |
| Bluevine | Business | Yes (with LLC) | High-yield accounts |
| Revolut | Personal | Yes | Instant transfers, no monthly fees |
How to Open an Online Bank Account in USA (Step-by-Step)
Step 1: Choose the Right Bank
Pick based on your residency, purpose (personal vs. business), and features like mobile app or international transfers.
Step 2: Visit the Bank’s Website
Go to the official website or app of the chosen bank. Click on “Open Account” or “Get Started”.
Step 3: Fill Out the Online Form
Provide your name, email, address, phone number, and other requested details.
Step 4: Upload Your Documents
Submit your photo ID, EIN or SSN, business documents (if applicable), and proof of address.
Step 5: Verification
Banks may verify your identity via email, video call, or automatic KYC (Know Your Customer) checks.
Step 6: Fund Your Account
Link an external account or wire money to activate the account.Tips for Success
- Use a U.S. address (virtual mailbox services like Anytime Mailbox or Incfile work well).
- For business accounts, ensure your U.S. company is properly registered.
- Check fees and international transaction limits for non-residents.
Final Thoughts
Knowing how to open an online bank account in USA empowers you to tap into one of the most advanced financial systems in the world. Whether you’re a U.S. resident or an international entrepreneur, there are modern banking solutions designed to meet your needs without ever stepping into a branch.
