Prolify
Banking Guidance

Your LLC is formed. Now get the bank account right.

A US LLC without a US bank account cannot collect payments properly, cannot pay vendors cleanly, and creates accounting chaos.

We guide you to the right banking partner for your business type, prepare your application, and get you set up fast — without a single trip to the US.

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What you need to apply

We help you prepare all of this.

EIN (Employer Identification Number)
We file this for you
Articles of Organization / Formation
In your Prolify dashboard
Operating Agreement
We draft this for you
Registered Agent address
Included in your plan
Valid government-issued ID
Passport works globally
Business description + website
We help you prepare this

Our banking recommendations

We match you to the right bank based on your business type and needs.

Mercury (recommended)
Best for startups — no fees, clean UI, Stripe-friendly
Relay
Multiple accounts, team permissions, great for operations
Wise Business
Multi-currency powerhouse for international founders
Brex
Corporate cards + banking for funded startups
Bluevine
High-yield checking — earn while you hold cash
Application review
We check your docs before you apply — fewer rejections
EIN requirement help
Most US banks require an EIN — we ensure yours is ready
Payment processor setup
Stripe, PayPal, Square — connected to your new account
International wire guidance
Send and receive USD without surprises

Why banking matters for your business

This is not optional infrastructure. It is how you get paid.

No US visit required

Every bank we recommend supports fully remote account opening. You can be anywhere in the world and still get a proper US business bank account.

Collect payments anywhere

With a US bank account, you can connect Stripe, PayPal, and major payment processors. Customers pay in USD, and it lands in your account cleanly.

Keep business and personal separate

A dedicated business account protects your LLC liability shield. Mixing personal and business funds can pierce that shield and expose your personal assets.

Banking questions, answered

Can I open a US bank account without visiting the US?

Yes. Mercury, Wise, and Relay all offer fully remote account opening. You need your EIN, formation documents, and a valid passport. We help you prepare everything.

How long does it take to open an account?

Mercury and Wise typically approve within 1-5 business days if your documents are in order. We help you submit a clean application the first time.

Do I need a US address to open a bank account?

Most digital banks accept your registered agent address as your business address. We provide this as part of our registered agent service.

What if my application is rejected?

We review your application before submission to reduce rejection risk. If you are rejected, we help diagnose why and guide you to an alternative bank.

Your business needs a real bank account.

We make it simple. No branch visits. No confusion. Just a clean application and a fast approval.

Get Banking Guidance