🇺🇸 在United States开设银行账户
对外国创始人在United States办理商业银行业务的真实评估。
开户便利度:3/5
一般时间： 1–4 weeks
Best Answer
US business banking is straightforward for US residents but challenging for non-residents. Most major banks (Chase, Bank of America, Wells Fargo) require an in-person visit to a US branch. Mercury and Relay offer online applications for LLCs and C-Corps. Non-resident EIN applications may take 4–8 weeks by fax. Banking is the #1 bottleneck for foreign founders.
成功建议
- 申请前准备好所有公司注册文件 — 营业执照、公司章程、注册证书。
- 准备清晰的商业计划或业务描述，即使银行没有明确要求。
- 考虑将数字银行/新型银行作为您的第一个账户 — 它们通常对新公司的开户流程更快。
- 同时向多家银行申请，而不是依次申请 — 一家银行的拒绝不会影响其他银行。
This content is educational and does not constitute legal or tax advice. Always consult a qualified professional for your specific situation. Data last verified March 2026.