The most obvious way to open a US bank account is with a big-name American bank. You must present your company's employer identification number (EIN) to open a business bank account.
However, you may hold a business bank account if you are a foreigner who manages or owns an American-established company. If you do not have proof of US residency, then you will be limited in your options. Two online US neobanks that we detail in this guide even provide access to American banking to US residents without SSNs or ITINs. Neobanks have disrupted the traditional finance industry because they have created financial platforms that are connected to regulated banks. In these cases, however, online US neobanks offer the same checking services and use mobile technology to add even more value. Big banks do still offer checking accounts for students who show proof of US address and university registration. If you are a student or hold a temporary resident visa, then you may not be eligible for an ITIN. you are a foreigner with ownership in a US company, are eligible to pay taxes, or are eligible to receive government benefits), then many big traditional banks will accept your ITIN and open an account for you. While foreigners and non-residents are legally not allowed to obtain Social Security numbers, foreigners may apply for an individual taxpayer identification number (ITIN). To decide whether you can open a US bank account as a foreigner or non-resident in the United States, you must first assess your eligibility status. Can I Open a US Bank Account as a Foreigner?
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