US Banking Access Index for Non-Resident Founders (2026)

Which US business banking providers actually accept founders who live outside the US — documented from provider-published sources, not anecdotes. 18 providers, 239 claims that survived independent re-verification against the original source pages. Where a provider publishes nothing, the cell says so instead of guessing.

Last verified: July 2026CC BY 4.0 — cite with attribution239 verified claims
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JSON carries the full evidence quotes · CSV is the acceptance matrix

Provider country lists change without notice

Re-verified quarterly against the source pages. Leave an email to get the diff when cells change — which providers opened, which closed, with the new source quotes.

How to read this table

✓
Explicitly accepted
The provider publishes an acceptance statement covering founders resident in this country.
✕
Explicitly restricted
The country appears on the provider’s published restricted list, or the provider states it serves US residents only.
○
No published restriction
Not on the provider’s published restricted list, but no explicit acceptance statement either. Absence of restriction is not acceptance.
—
No published policy found
No citable provider-published policy found either way.

Acceptance by country of residence

ProviderNon-resident stanceIndiaChinaUKCanadaPakistanNigeriaTurkeyBrazil
MercuryAccepts non-resident founders○○○○✕✕○○
RelayConditional○○✓✓✕✕○○
Wise BusinessConditional✕✕✓✓✕✕✕✕
PayoneerAccepts non-resident founders✓✓✓✓✓———
BrexConditional————————
NovoUS residents/persons only✕✕✕✕✕✕✕✕
BluevineConditional✓—✓✓————
FoundUS residents/persons only✕✕✕✕✕✕✕✕
LiliConditional✓✓✓✓✕✕✕✓
NorthOneUS residents/persons only✕✕✕✕✕✕✕✕
Airwallex (US)Accepts non-resident founders○○○○✕✕✕○
SlashAccepts non-resident founders○———✕———
MeowConditional✓○✓✓○—✓✓
RhoConditional○○○○○○○○
Grasshopper BankUS residents/persons only✕✕✕✕✕✕✕✕
Chase Business BankingConditional————————
Bank of America Small BusinessUS residents/persons only✕✕✕✕✕✕✕✕
Wells Fargo Business BankingUS residents/persons only————————

Hover any cell for the underlying note. Country columns describe the founder's country of residence, not the LLC's state of formation. Full evidence quotes are in the JSON download and in each provider's detail card below.

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Provider details and sources

Mercury

Fintech
Accepts non-resident founders · Banking services via Choice Financial Group; Column N.A.
Entity requirement
Requires a company formed and registered in the US or a US territory with existing or planned US operations; foreign-owned US companies supported. MSBs, adult entertainment, cannabis, internet gambling, trusts excluded.[1]
Owner residency & IDPassport-based ID accepted
No US citizenship or residency required to apply, per provider's help center; international applicants may provide a passport as ID; SSN/ITIN not listed among required application documents.[1][2]
Account railsOwn ACH routing + account number
Demand deposit accounts with own routing and account numbers at partner banks Choice Financial Group and Column N.A.; customers hold direct contractual agreements with the partner banks.[1][2]
FDIC structure
Not an FDIC-insured bank; pass-through FDIC insurance via Choice Financial Group and Column N.A. and their Sweep Program Network Banks. OCC conditional approval (April 2026) for Mercury to establish its own chartered bank is pending.[1][2]
OnboardingFully remote
Provider's FAQ states applicants need not be physically in the US or a US resident; required documents are formation documents, IRS EIN document, and photo ID. No in-person or video-KYC step is published.[1]
Marketplace payouts
Provider publishes support for marketplace/processor payouts (Shopify, Stripe, Amazon, Etsy) via the account's own account and routing numbers; instant RTP payouts limited to accounts at partner bank Column N.A.[1][2]
Provider-published country list: source
Reading notes (5)
  • Country entries marked 'no published restriction' reflect absence from Mercury's prohibited-countries list only; Mercury states eligibility is determined following a full review of each application, and no page affirms acceptance for any specific residence country.
  • Mercury's published residence restrictions are stated for founders and financial controllers; no published statement addresses a passive 25%+ beneficial owner resident in a prohibited country.
  • Registered agent addresses, P.O. boxes, and UPS Store addresses are not accepted for the company's principal place of business; residential addresses are accepted.
  • Partner-bank structure is in transition: OCC conditional approval (April 2026) for Mercury's own bank charter is pending, and one FAQ section still names former partner Evolve Bank & Trust; the FDIC entry reflects the Choice/Column structure as of 2026-07-08.
  • No published statement addresses video-KYC or personal proof-of-address requirements for individual owners; the remote-onboarding entry rests on the provider's statement that physical US presence is not required.

Relay

Fintech
Conditional · Banking services via Thread Bank; Community Federal Savings Bank (international payments, facilitated by Nium)
Entity requirement
Requires a US-registered entity with a US operating presence; foreign-owned US LLCs accepted per provider's help center. LLC applications require an EIN and a physical US business address.[1]
Owner residency & IDPassport-based ID accepted
SSN or passport number accepted; non-US citizens verify identity with passport only, per provider's help center. The same page states the owner's personal address is a physical US address; ITIN is not mentioned.[1]
Account railsOwn ACH routing + account number
Business checking with its own account and routing number at partner Thread Bank, supporting ACH transfers, wires, and checks. International payments are provided by Community Federal Savings Bank, facilitated by Nium.[1]
FDIC structure
Relay is a financial technology company, not an FDIC-insured bank; deposits are held at Thread Bank, Member FDIC, with pass-through coverage extendable up to $3,000,000 via Thread Bank's program-bank deposit sweep.[1]
OnboardingFully remote
Per a provider blog post, non-residents from many countries can open an account online from overseas, providing passport, a physical US address, company details, and income and source-of-funds information.[1]
Provider-published country list: source
Reading notes (5)
  • Relay's prohibited-countries list applies to citizenship or residency: a resident of a non-listed country who holds citizenship of a listed country falls under the restriction.
  • The prohibited-countries list is set by Relay's banking partner and displays no publication or update date; it can change without notice.
  • Relay's help center states each beneficial owner's personal address is a physical US address, while also stating it accepts owners based outside the US; Relay's published pages do not reconcile the two statements.
  • The remote-onboarding description comes from a provider marketing blog post, not the help center; no in-person or video-KYC requirement is published either way.
  • ITIN is not mentioned on Relay's published pages; the stated identifiers are SSN or passport number.

Wise Business

Fintech
Conditional
Entity requirement
Per Wise's help center, US business verification requires business name, company type, EIN, and a physical trading address (not registered-agent or virtual). Nevada and US-territory entities cannot onboard.[1]
Owner residency & IDPassport-based ID accepted
Non-US beneficial owners are asked for a photo ID copy, not an SSN; SSN applies to owners resident in the US or holding a US passport. SSN/ITIN is tied to living in the US; non-US citizens are asked for a non-US ID.[1][2]
Account railsVirtual / collection account
Wise states USD account details are not a bank account: an own account and routing number (ending 3150, 9519, or 9628) presenting as Checking, with incoming payments processed by an unnamed partner institution.[1]
FDIC structure
Wise is a Money Services Business, not an FDIC-insured bank. Pass-through FDIC coverage (up to 250,000 USD; Program Bank JPMorgan Chase) applies only via opt-in to the interest feature, gated to US-based customers.[1]
OnboardingFully remote
Identity verification is document-based per Wise's help articles (photo ID; ID plus selfie as a fallback), with no in-person step described. Wise publishes no explicit fully-remote statement.[1]
Marketplace payouts
Per Wise's help center, USD account details can be linked to Amazon US (local payouts only) and Stripe (USD among 14 payout currencies); ACH receiving is free, with limits starting at 20 million USD.[1][2][3]
Provider-published country list: source
Reading notes (6)
  • FDIC-related details (Program Bank JPMorgan Chase, interest-feature eligibility) come from a Wise blog dated 2024-11-26 that the page itself marks as updated more than a year ago; current Program Agreement terms may differ.
  • The exclusion of non-US residents from FDIC pass-through coverage is derived from Wise's published interest-feature eligibility criteria (US-based customer, US profile address, verified SSN/EIN), not from a Wise statement addressing non-residents directly.
  • Country entries are based on Wise's published residence lists for holding money and for USD account details; Wise does not publish a single rule on the owner's country of residence for opening a US-entity business account.
  • Wise publishes no explicit statement that onboarding is fully remote; the ID-plus-selfie option is described as a fallback when an SSN or ITIN is not accepted, and the absence of an in-person step was checked only on the reviewed help articles.
  • Wise does not name the partner institution behind its USD routing numbers in its help center.
  • The trading address for US business verification cannot be a registration agency, mail-forwarding service, or virtual address; a proof-of-address document is requested.

Payoneer

Fintech
Accepts non-resident founders
Entity requirement
No US entity or EIN required to open an account; applicants register as an individual or as a company registered in their own country, per the provider's signup FAQ. No published statement on foreign-owned US LLCs.[1]
Owner residency & IDPassport-based ID accepted
Documented verification accepts a national ID, driver's license, or passport plus proof of address; SSN and ITIN do not appear in published requirements (absence-based reading of the help-center FAQ).[1]
Account railsVirtual / collection account
USD receiving account is a virtual collection account with ABA routing and account numbers, accepting ACH credits only with no outbound transfers; per the provider's help center it "is not a bank account."[1][2]
FDIC structure
Provider terms state US Payment Service funds are not FDIC-insured; the live help center corroborates the account is not a bank account. The sourced terms document dates to 2005-2013; current terms are login-gated.[1][2]
OnboardingFully remote
Online signup with document upload via the in-account Verification Center; no in-person step appears in published requirements, per the provider's help center.[1]
Marketplace payouts
Provider's official China site states Payoneer connects with over 2,000 cross-border e-commerce platforms and networks for seller payment collection.[1]
Reading notes (6)
  • Payoneer receiving accounts are payment-collection accounts, not US bank accounts; the USD account details accept ACH credits only, and funds are not FDIC-insured.
  • The not-FDIC-insured and ACH-credit-only statements derive from a Payoneer terms document dated 2005-2013 hosted on a third-party mirror; current service terms are viewable only after account login, so supersession is possible.
  • No-SSN/ITIN, no-US-entity, and fully-remote statements are inferred from the absence of such requirements in provider help-center FAQs, which are summaries rather than exhaustive requirement lists.
  • Payoneer states some countries and territories cannot register but publishes no restricted-country list; its 'Supported countries' help answer has been removed, so country eligibility is confirmed only in the signup flow.
  • India, China, and UK acceptance is inferred from official country resource hubs and localized sites rather than eligibility policy statements; Pakistan and Canada carry explicit account-opening or licensing pages.
  • The identity of the current US partner bank(s) behind the USD receiving account is not confirmed in provider-published sources.

Brex

Fintech
Conditional · Banking services via Column N.A.
Entity requirement
Requires a US-formed entity with a US EIN and US operations per provider's support page; the legal FAQ lists LLCs among accepted entity types; foreign-owned single-member LLCs are not specifically addressed.[1][2]
Owner residency & IDPassport-based ID accepted
Passport number and country of issuance accepted in place of an SSN for individuals, per provider's legal FAQ; passports accepted as KYC photo ID; ITIN is not mentioned on any fetched provider page.[1][2]
Account railsOwn ACH routing + account number
Checking is a commercial checking account at partner bank Column N.A. with its own routing number (121145349) for inbound ACH and wires; treasury and vault are separate Brex Treasury LLC cash-management services.[1]
FDIC structure
Brex is not a bank. Checking carries FDIC coverage up to $250,000 through Column N.A.; vault funds are swept to program banks for up to $6M in pass-through coverage, per provider's support page.[1]
OnboardingFully remote
Application described as fully online per provider's support page: EIN verification letter (CP 575 or 147-C), formation documents if not sourced from state databases, passport accepted as ID; no in-person step published.[1][2]
Marketplace payouts
Account receives payments via ACH, check, and wire using its Column N.A. account and routing number, per provider's product page; no published statement on Amazon, Stripe, or other marketplace payouts was found.[1]
Provider-published country list: source
Reading notes (5)
  • Brex's support page states all applicants require a US physical address, while its product FAQ accepts a US or international address for the principal place of business but excludes registered-agent, PO box, and UPS box addresses. The two published pages differ on this point.
  • The up-to-$6M FDIC figure applies to vault funds swept to program banks; checking coverage is up to $250,000 at Column N.A., and treasury funds are invested in a money market fund that is not FDIC insured.
  • The linked restricted-country list governs wire transfers, not founder residency; the page states the list is subject to change and lists 'Macedonia', a country name retired in 2019. Brex publishes no founder-residency country list.
  • The statement that Brex serves non-US founders draws in part on a provider blog post about the Stripe Atlas partnership dated June 2024; no newer published statement on this was found.
  • The legal FAQ's entity-type list appears under card-product qualification criteria rather than as a banking-specific eligibility statement.

Novo

Fintech
US residents/persons only · Banking services via Middlesex Federal Savings, F.A.
Entity requirement
Per provider's help center, accounts open only for business owners who reside within the US, and the business is required to be registered in the US.[1]
Owner residency & IDSSN required
Per provider's help center, SSN, US residential address, and US cell phone number are required for all applicants; beneficial owners above 25% ownership also provide an SSN. No ITIN or passport substitute is stated.[1][2]
Account railsOwn ACH routing + account number
Accounts carry ACH routing number 211370150 with a unique account number; deposit account services are provided by partner bank Middlesex Federal Savings, F.A. Novo states it is a fintech, not a bank.[1]
FDIC structure
Per provider, deposits are held by Middlesex Federal Savings, F.A. (Member FDIC) and insured up to $250,000. Single sponsor bank; no multi-bank sweep program is published.[1]
OnboardingFully remote
Fully digital application with no branch visit, per provider. Requires an unexpired US government-issued ID or passport, a US-carrier mobile phone, SSN, and a US address — open to US residents only.[1]
Marketplace payouts
Direct-deposit ACH payouts supported via routing number 211370150 (appears as Middlesex Federal Savings at the payer); Stripe integration with Novo Boost per provider. No published Amazon-payout statement found.[1]
Reading notes (5)
  • All eight country restrictions derive from Novo's blanket statement that accounts open only for US-resident owners of US-registered businesses; no country is individually named on any Novo page.
  • Novo's marketing requirements page carries a generic industry-checklist line mentioning 'passport and ITIN for non-U.S. owners'; the help-center policy pages state SSN and US residency are required. The marketing line describes the industry generally, not Novo's own acceptance policy.
  • Novo publishes no per-country account-eligibility list. A separate, unpublished country list exists for blocking card transactions; it is distinct from the account-opening policy stated here.
  • Novo does not publish whether the account structure is a direct deposit account or a pooled/custodial arrangement; its pages state only that deposits are held by Middlesex Federal Savings, F.A. and insured up to $250,000.
  • The direct-deposit setup article was last updated roughly three years ago; the routing number it lists is corroborated by a help-center article updated within the last four months.

Bluevine

Fintech
Conditional · Banking services via Coastal Community Bank
Entity requirement
Requires a US-registered LLC or Corporation with a valid EIN for international owners; the provider states other tax IDs do not suffice for its application "right now", per the help center.[1][2]
Owner residency & IDConditional
Residents of supported countries apply with a valid passport instead of an SSN, plus a US legal address (physical or non-physical); US applicants provide an SSN. ITIN is not addressed for checking eligibility.[1][2]
Account railsOwn ACH routing + account number
Checking account carries its own ACH routing number (125109019); banking services are provided by Coastal Community Bank, Member FDIC, per provider's help center.[1]
FDIC structure
FDIC insurance up to $3,000,000 per depositor on a pass-through basis through Coastal Community Bank, Member FDIC, and its sweep-network program banks; Bluevine is not itself the chartered bank.[1]
OnboardingFully remote
Online application with passport-based identity verification for international owners; the account is managed remotely and no in-person step appears in the published process.[1]
Marketplace payouts
Provider states the account receives unlimited incoming ACH and domestic wires on a single routing number; no fetched page names marketplace payouts (Amazon, Stripe) as accepted.[1]
Provider-published country list: source
Reading notes (3)
  • Bluevine publishes a supported-country allowlist rather than a restricted list; the list is introduced with 'including' and footnoted as subject to change at any time, so absence from the list is not a published restriction.
  • Bluevine's two published country lists do not match: the help-center article names 23 countries while the international-owners landing page fetched the same day omits at least Croatia.
  • The FAQ permits a 'non-physical' US legal address for international owners, while the help center states P.O. box and mail-service addresses are not accepted; no fetched page reconciles the two statements.

Found

Fintech
US residents/persons only · Banking services via Lead Bank
Entity requirement
US sole proprietors, single/multi-member LLCs (EIN required at opening), corporations, and partnerships supported; foreign-owned entities and entities based outside the US appear on the published prohibited list.[1][2]
Owner residency & IDSSN required
Per account terms, available to US citizens or lawful permanent residents with a US physical address; per provider's help center, a valid SSN is required and ITINs are not accepted.[1][2][3]
Account railsOwn ACH routing + account number
Account carries its own routing and account number at Lead Bank; account terms describe it as a subaccount of an omnibus account held in the bank's name for the customer's benefit, not a directly titled DDA.[1][2]
FDIC structure
Pass-through FDIC insurance up to $250,000 per depositor via Lead Bank, Member FDIC; Found is a financial technology company, not a bank. Terms reference deposit placement via the IntraFi network.[1]
OnboardingFully remote
Fully online signup; required information is legal name, US residential address, date of birth, and SSN. No in-person step, passport path, or video-KYC path is documented.[1]
Marketplace payouts
Per provider's help center, payouts from Square, Shopify, Etsy, Stripe, and other online platforms are supported via the account's own account and routing numbers; Amazon is not named on any fetched page.[1]
Provider-published country list: source
Reading notes (5)
  • All country-level entries derive from one blanket statement that Found is only available in the United States; Found publishes no per-country restricted list, and no individual country is named in its policy.
  • Found's legal account terms describe eligibility with a social security number or tax identification number, while its help center states ITINs are not accepted and an SSN is required; the help-center policy is the stricter of the two.
  • P.O. boxes, virtual mailboxes, and mail-forwarding addresses are not accepted as an LLC business address at signup.
  • Foreign-owned entities and entities based outside the United States appear on Found's prohibited-businesses list; this covers foreign-owned single-member US LLCs.
  • References to Piermont Bank as Found's partner bank are outdated; current legal documents name Lead Bank.

Lili

Fintech
Conditional · Banking services via Sunrise Banks, N.A.; Column Bank, N.A. (wires)
Entity requirement
Requires a US-registered entity; accepts LLCs (single or multi-member), C-Corps, S-Corps, and general or limited liability partnerships. Sole proprietorships are not supported for international applicants.[1]
Owner residency & IDPassport-based ID accepted
International applicants apply with a foreign passport and EIN; no SSN required, per Lili's landing page. A separate general help article states the owner's SSN is always required; Lili does not reconcile the two.[1][2]
Account railsOwn ACH routing + account number
Business checking held at Sunrise Banks, N.A. with its own ACH routing number (091017138) and account number; wires powered by Column Bank, N.A. Lili states it is a financial technology company, not a bank.[1]
FDIC structure
Pass-through FDIC insurance advertised up to $3,000,000 through Sunrise Banks, N.A. and a network of program banks; deposits are held at FDIC-insured institutions, not at Lili, per Lili's help center.[1]
OnboardingFully remote
100% remote application from any eligible country using a foreign passport and EIN; document uploads possible (EIN letter, Articles of Organization, address verification). The Visa debit card ships only to a US address.[1]
Marketplace payouts
Publishes payout instructions for payroll, marketplace, and vendor forms (bank name: Sunrise Banks, N.A.); markets Stripe, PayPal, and Shopify connectivity and ACH acceptance. No Amazon-specific statement found.[1][2]
Provider-published country list: source
Reading notes (4)
  • Lili's general help center states the owner's SSN is always required to apply, while its international pages describe a passport-and-EIN application with no SSN; the provider does not reconcile the two statements.
  • Eligibility is determined by citizenship from a 14-country list, not country of residence: a resident of a listed country without listed citizenship does not qualify, while a resident of an unlisted country with listed citizenship may. Any 25%+ co-owner also needs listed citizenship.
  • Non-resident accounts carry feature restrictions: BusinessBuild credit building excludes non-US citizens, additional joint-account owners are required to be US residents, and the debit card ships only to a US address.
  • Lili states the 14-country supported-citizenship list changes over time, and its help-center source pages show no publication dates; all evidence reflects access on 2026-07-08.

NorthOne

Fintech
US residents/persons only · Banking services via The Bancorp Bank, N.A.
Entity requirement
Requires a legally incorporated US entity or sole proprietorship with a verifiable US street address; virtual offices, P.O. boxes, and commercial mail addresses not accepted. EIN listed for LLC/S-corp/partnership.[1][2]
Owner residency & IDSSN required
Per the account agreement (effective 07/2025), owners are limited to US citizens or legal residents in the 50 states or D.C. SSN is a listed application requirement; no ITIN path is documented.[1][2]
Account railsOwn ACH routing + account number
Demand deposit account at The Bancorp Bank, N.A. with its own account and routing numbers for ACH, domestic wires, and direct deposit. International wires rejected; no SWIFT code offered.[1][2]
FDIC structure
NorthOne is a financial technology company, not a bank; deposits are FDIC-insured up to $250,000 through The Bancorp Bank, N.A., per provider's help center. Single partner bank; no sweep program disclosed.[1]
OnboardingFully remote
Signup is fully online (web or mobile app) with no branches; requires a US phone number, SSN, EIN for LLCs, and physical US home and business addresses. Limited to US-resident applicants per the agreement.[1][2]
Marketplace payouts
Per provider's help center, Amazon disbursements, Stripe payouts, and Shopify, Etsy, Square, and PayPal deposits can be received directly into the account using its routing and account numbers.[1]
Reading notes (4)
  • Older third-party reviews describe a carve-out allowing Canadian residents with a US entity; the current deposit account agreement (effective 07/2025) contains no such provision.
  • Several help-center policies were verified via archived snapshots (February-October 2025) because the live help center was unreachable to automated checks on 2026-07-08; details published there may have changed since the snapshot dates.
  • The application help page's requirement list reads 'Employment Insurance number'; in context this refers to the business tax ID (EIN) for LLCs, S-corps, and partnerships.
  • SSN is listed as an application requirement; ITIN acceptance is not addressed in the provider's published account-opening materials.

Airwallex (US)

Fintech
Accepts non-resident founders · Banking services via Evolve Bank & Trust
Entity requirement
Business accounts only — no personal accounts offered. US companies provide an EIN letter and state formation documents with exact business-name match; eligibility requires a registered, active business in good standing.[1][2]
Owner residency & IDPassport-based ID accepted
SSN is requested only for US persons; non-US-person signatories, control persons and beneficial owners verify with a government-issued photo ID such as a passport, per the US documents page. ITIN is not addressed.[1]
Account railsVirtual / collection account
USD account details include dedicated ACH and Fedwire routing numbers, receiving ACH, Fedwire, SWIFT, and FedNow/RTP for eligible customers; funds sit pooled in an FBO omnibus at partner bank Evolve Bank & Trust.[1][2]
FDIC structure
Airwallex describes its US banking partnerships as designed to provide FDIC coverage up to $250,000 per qualified customer account via a partner-bank omnibus; Airwallex is a licensed money transmitter, not a bank.[1]
OnboardingFully remote
Provider marketing describes account opening as fully online; the US documents page lists uploadable documents only (EIN letter, formation documents, photo-ID images) with no in-person step mentioned.[1][2]
Marketplace payouts
Per provider marketing, USD account details can be linked to Amazon US, PayPal, Shopify and other platforms to receive payouts; the ACH and Fedwire receiving rails are confirmed on the provider's help center.[1][2]
Provider-published country list: source
Reading notes (5)
  • Airwallex's published country policy is keyed to the business's registration country, not the owner's country of residence. Country statuses here reflect that list; no Airwallex page was found that accepts or restricts a US-LLC owner based on where the owner lives.
  • Airwallex describes its US banking partnerships as designed to provide FDIC coverage up to $250,000; funds are held in a pooled for-benefit-of omnibus account at Evolve Bank & Trust rather than an individual deposit account, and pass-through coverage depends on qualified-account conditions.
  • The fully-online account-opening statement comes from a UK-audience marketing page describing the USD Global Account flow for UK businesses; no US-specific statement on in-person or video verification was found.
  • Statements about USD accounts without a US entity, and about linking account details to Amazon US, PayPal and Shopify, come from marketing pages describing the Global Account product for non-US-registered businesses; US-company requirements (EIN letter, formation documents) apply separately.
  • Pakistan, Nigeria and Turkey statuses rest on absence from the eligibility list as accessed 2026-07-08; the list can change. A separate SWIFT-deposit restriction page naming these and other countries applies to Denmark- and Hong Kong-based Global Accounts, not US account details.

Slash

Fintech
Accepts non-resident founders · Banking services via Column N.A.
Entity requirement
Business Banking requires a US-registered entity; founders outside the US can qualify with eligible incorporation information. A separate Global USD Account serves businesses incorporated outside the US.[1][2]
Owner residency & IDConditional
Owners may live outside the US (Business Banking), subject to residence-country and nationality review. Per provider blog, Global USD requires no SSN/ITIN; Business Banking SSN/ITIN policy is not published.[1][2]
Account railsMixed (varies by product)
Business Banking is a business checking account at partner bank Column N.A. Global USD is not a bank deposit: balances are held in USDSL stablecoin (ERC-20 on Base) with US account and routing numbers for ACH and wires.[1][2]
FDIC structure
Business Banking deposits carry pass-through FDIC coverage via Column N.A. and its sweep-network banks; Slash is not a bank. Global USD balances are digital assets with no FDIC, SIPC, or government-backed insurance.[1][2]
OnboardingFully remote
Global USD application is fully online at slash.com (formation documents, proof of business address, beneficial-owner info, statements). Per provider blog, verification is handled entirely online with no US branch visit.[1][2]
Provider-published country list: source
Reading notes (3)
  • The Global USD Account is not a bank deposit account: balances are held in the USDSL stablecoin (ERC-20 on Base) with no FDIC, SIPC, or government-backed insurance. Statements that no SSN or ITIN is needed refer to this product, not to an insured bank account.
  • The no-SSN/ITIN and fully-online-verification statements appear on Slash's own marketing blog rather than its help center; the help-center eligibility page does not state an SSN/ITIN policy for Business Banking.
  • Slash's Global USD supported-country lists are based on the business's country of incorporation, not founder residence; only the Business Banking restricted list applies to where owners live or their nationality.

Meow

Fintech
Conditional · Banking services via Cross River Bank; Grasshopper Bank, N.A.
Entity requirement
US-registered LLCs (single/multi-member), C-Corps, S-Corps, and non-US entities eligible subject to country rules, per help center; approval not automatic. EIN required; pending-EIN path with 60-day letter deadline.[1][2]
Owner residency & IDNo published statement found
Published requirements list no SSN/ITIN; per FAQ, non-US citizens in some cases submit a government ID. Physical operating address (US or abroad) with proof required; virtual addresses stated insufficient.[1][2]
Account railsOwn ACH routing + account number
Business checking with its own ACH and wire account/routing details in the dashboard; banking services provided by partner banks Cross River Bank and Grasshopper Bank, N.A., per provider FAQ.[1]
FDIC structure
A fintech, not a bank; deposits held at partner banks (Cross River Bank, Grasshopper Bank, N.A.) with pass-through FDIC coverage; funds placed via the IntraFi network in sub-SMDIA increments per bank.[1]
OnboardingFully remote
Fully online application, stated under 10 minutes with document upload; no in-person step published. Non-US entities submit formation docs and a W-8 BEN-E as PDFs (article scoped to Meow Card verification).[1][2]
Marketplace payouts
Provider blog states direct Stripe integration for customer-payment settlement into Meow accounts; no published statement on Amazon or other marketplace payouts found.[1]
Provider-published country list: source
Reading notes (4)
  • The provider's prohibited-country list and its newer supported-country list conflict: around 14 countries (including Nigeria, Philippines, Vietnam, Ukraine, Taiwan) currently appear on both pages; eligibility for those countries is not determinable from published pages alone.
  • A physical operating address (US or abroad) with documentary proof is required to apply; the provider states a virtual address is insufficient, including for remote-first companies.
  • Approval is not automatic for any entity type; all applications go through KYC (identity) and KYB (business) review, per the provider's help center.
  • The provider does not publish which partner bank (Cross River, Grasshopper, or other banks named on specific product pages) issues a given customer's routing and account number.

Rho

Fintech
Conditional · Banking services via Webster Bank, N.A.
Entity requirement
Requires a US-incorporated entity and either a US operating address or one US-based owner with a valid SSN, per provider's help center; a foreign-owned single-member LLC with neither does not meet the stated criteria.[1]
Owner residency & IDConditional
Rho states it serves 'business owners worldwide'; without a US operating address, one US-based business owner with a valid SSN is required. No ITIN or passport-only path is documented.[1][2]
Account railsNo published statement found
Banking services provided and cards issued by Webster Bank, N.A., Member FDIC. Whether the checking account is a directly titled DDA at Webster Bank or an FBO/custodial structure is not stated on published pages.[1]
FDIC structure
Rho states it is a fintech company, not a bank; deposits are held via Webster Bank, N.A., Member FDIC, with up to $75M FDIC coverage through a sweep network of 400+ FDIC-insured banks, per provider's FAQ.[1]
OnboardingNo published statement found
Application is online, resumable by email; documents include articles of incorporation and EIN. Virtual addresses (Regus or any provider) are not permitted. No published fully-remote-from-abroad statement.[1]
Marketplace payouts
Apps built on Stripe Financial Connections (incl. Stripe payouts) connect directly to a Rho account; PayPal business accounts can link. Payoneer is not supported; no published Amazon-payout statement.[1][2]
Provider-published country list: source
Reading notes (4)
  • Virtual addresses from Regus or any other provider are not permitted in the Rho application — relevant for founders relying on virtual US business addresses.
  • The application FAQ describes an SSN as a required data point; read together with the eligibility page, the SSN requirement attaches to one US-based owner and applies when the entity has no US operating address.
  • Nigeria, Pakistan, and Brazil entries reflect payment-side restrictions only; Rho publishes no founder-residency policy for these countries beyond its 8-country ineligible-locations list (Cuba, Iran, North Korea, Russia, South Sudan, Sudan, Syria, Venezuela).
  • Published FDIC figures (up to $75M via a sweep network of 400+ banks) come from provider marketing/FAQ pages; whether the account is a directly titled DDA at Webster Bank or an FBO structure is not published.

Grasshopper Bank

Chartered bank
US residents/persons only
Entity requirement
Requires a US entity with EIN/Tax ID and formation documents; beneficial-owner information is required for each individual owning 25% or more, per provider's account-opening FAQ.[1]
Owner residency & IDSSN required
Applicants require US citizenship or permanent US residency with a verifiable address in the 50 states or DC; US territories are ineligible. SSN/Tax ID number required for applicants and signers.[1][2]
Account railsDirect account at a chartered bank
Deposit account held directly at Grasshopper Bank, N.A., a chartered bank, with its own ABA routing number (026015024) for direct business clients; a separate routing number applies to fintech-program clients.[1]
FDIC structure
Direct FDIC member bank; deposits insured up to $250,000, with an optional ICS sweep program extending coverage up to $125 million across a network of partner banks.[1]
OnboardingFully remote
Online account opening in as little as 5 minutes per the provider, with photo ID and a selfie with photo ID required; available only to eligible US-resident applicants.[1]
Reading notes (5)
  • The US-residency eligibility statement appears on the FAQ for the Innovator Business Checking product; Grasshopper's other lines (commercial banking, SBA lending, fintech programs) publish no equivalent statement and may have different eligibility terms.
  • The published eligibility rule addresses the account applicant and signers; the provider does not publish a separate residency rule for beneficial owners. For a solo founder, applicant and owner are the same person.
  • Core deposits are held directly at Grasshopper Bank, N.A.; only the optional ICS sweep program places funds across a network of partner banks.
  • The provider states the $125 million ICS coverage figure is subject to change; page figures carry a rate footnote dated 2025-11-03 and were accessed 2026-07-08.
  • The account-opening FAQ lists 'SSN/Tax ID number' as required without stating whether an ITIN qualifies in place of an SSN.

Chase Business Banking

Chartered bank
Conditional
Entity requirement
Formation documents (Articles of Organization/Certificate of Formation) and an EIN are required for business checking; no non-US-entity onboarding path is published, per Chase's account-information page.[1]
Owner residency & IDITIN accepted
ITIN accepted in place of SSN for non-US citizens; foreign passport accepted as primary ID, with one of two ID documents showing a US address, per Chase's 2024 personal-checking ID sheet.[1][2][3]
Account railsDirect account at a chartered bank
Deposits are held directly at JPMorgan Chase Bank, N.A.; accounts carry Chase's own ABA/ACH routing numbers with no partner-bank or FBO structure, per product-page disclosures.[1]
FDIC structure
JPMorgan Chase Bank, N.A. is itself an FDIC member bank; deposit insurance is direct, not pass-through or sweep insurance via partner banks.[1]
OnboardingConditional
Online application is limited to sole proprietorships, corporations, and single-member/single-manager LLCs; multi-member LLCs require a branch visit. KYC documents are required to be original, a branch-centric posture.[1][2]
Reading notes (6)
  • Several requirements cited here (acceptable ID forms, the US-address rule, originals-only documents, the OFAC-country note) come from Chase's personal-checking identification sheet dated 2024; Chase publishes no equivalent business-account document.
  • The US-address rule applies to one of the two required ID documents, and Chase's ID sheet presents having a US address before opening as advisable rather than a blanket documentary requirement.
  • Acceptance of foreign-owned US LLCs is inferred from Chase's KYC form fields (citizenship question for 10%+ owners, ITIN and passport acceptance); Chase publishes no statement that foreign-owned LLCs are accepted.
  • Chase publishes no restricted-country list; citizens of OFAC-sanctioned countries face additional ID requirements per the ID sheet. Absence of a published list does not indicate acceptance for any specific country.
  • Whether the online application flow accepts applicants with an ITIN only (no SSN) is not stated anywhere on chase.com.
  • No published statement on marketplace payout acceptance (e.g. Amazon, Stripe) was found.

Bank of America Small Business

Chartered bank
US residents/persons only
Entity requirement
Requires a US-formed entity with primary operations in the US; business tax ID (EIN) or SSN listed as application requirements for LLC business checking, per provider's application-requirements page.[1]
Owner residency & IDSSN required
SSN listed for everyone on the application, including 25%+ owners and the controlling manager; applicants are expected to be US residents and US-based; no ITIN substitute documented on official pages.[1]
Account railsDirect account at a chartered bank
Deposits held directly at a chartered national bank; deposit products provided by Bank of America, N.A. and affiliated Member-FDIC banks, not a partner-bank pass-through structure.[1]
FDIC structure
Direct FDIC member bank: deposit products provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation, per the business checking disclosure.[1]
OnboardingConditional
Online, phone, and branch application channels published; online applications can complete the same day per provider. Foreign business customers are unable to apply, per the LLC application-requirements page.[1][2]
Reading notes (2)
  • The country list in the provider's site Terms & Conditions (Cuba, Iran, Iraq, Libya, North Korea, Sudan, Syria) is website-access boilerplate, not an account-eligibility list; several listed countries are no longer under comprehensive US sanctions.
  • The foreign-customer exclusion is worded for the application process ('unable to apply at this time'); no published statement addresses whether a non-resident owner can open an account in person at a branch.

Wells Fargo Business Banking

Chartered bank
US residents/persons only
Entity requirement
Requires a US-registered business with government-registration documents; for an LLC, formation documents. A physical address is required — registered-agent, virtual, and PO/commercial-mailbox addresses are not accepted.[1]
Owner residency & IDSSN required
Per provider's business FAQ, every signer on a business account is required to provide a Social Security number; no ITIN alternative is published for business signers. Consumer accounts accept SSN or ITIN.[1][2]
Account railsDirect account at a chartered bank
Deposit accounts are held directly at Wells Fargo Bank, N.A., a national bank, with the bank's own state-based ABA routing numbers and account numbers.[1]
FDIC structure
Wells Fargo Bank, N.A. is an FDIC member; deposit pages carry the footer disclosure that deposit products are offered by Wells Fargo Bank, N.A., Member FDIC.[1]
OnboardingConditional
Online application available for most business checking and savings accounts, subject to per-signer SSN and physical-address requirements; multi-owner businesses open in-branch, with notarized forms for absent owners.[1][2]
Marketplace payouts
No published marketplace-payout statement; the business FAQ lists ACH credits and incoming wires among available deposit methods.[1]
Reading notes (4)
  • The address ban (no registered-agent, virtual, or PO/commercial-mailbox addresses) is a published rule for business deposit accounts; the provider's pages do not address foreign-owned single-member US LLCs specifically.
  • SSN-or-ITIN acceptance and the in-branch application path for non-permanent US residents apply to consumer (personal) accounts only; business accounts are governed by the per-signer SSN rule, with no published ITIN alternative for business signers.
  • The business required-documents page requires a physical address without stating it is a US address; the explicit physical-US-address requirement is published only for consumer accounts.
  • Wells Fargo publishes no restricted or prohibited country list for account opening; country-level rows reflect the absence of any published country-of-residence policy, not acceptance or restriction.

How this index is built

Every claim starts as a verbatim quote from a fetchable source — the provider's own help center, terms of service, or published country list (tier T1), an official provider blog or support statement (T2), or a dated user report (T3, labeled as such). A separate adversarial verification pass then re-fetched every source and discarded any claim whose quote was absent, misread its context, or overreached — 239 of 268 mined claims survived. Country cells are deliberately tri-state: a country absent from a provider's restricted list is reported as “no published restriction,” never converted into “accepted.”

Provider policies change without notice, and application outcomes also depend on provider-side review of each business. This index documents what providers publish, as of the verification date — it is a map of published policy, not a prediction of any individual application outcome. Source pages are snapshotted to the Internet Archive at verification time. Full methodology: evidence basis.

Published under Creative Commons Attribution 4.0. Cite as: Global Solo Banking Access Index, globalsolo.global/data/banking-access-index. If a claim conflicts with what you observe, write to jett@globalsolo.global with specifics — the index updates when new ground truth surfaces.

Related guides

Virtual account vs real US bank account
Why a routing number that looks real can still be rejected by marketplaces — the DDA vs virtual-wallet distinction this index documents per provider
US banking stacks by country
Country-specific banking guides for all 8 countries in this index
US banking for Nigerian founders
The hardest case in this index, in guide form: banking access plus the FIRS compliance layer
Non-Resident LLC Cost Index
The companion dataset: formation, state fees, compliance costs and penalties

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*Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. FDIC deposit insurance covers the failure of an insured bank. Deposits in checking and savings accounts are FDIC-insured through Choice Financial Group and Column N.A. and their Sweep Program Network Banks. Certain conditions must be satisfied for pass-through FDIC insurance to apply.

Some providers in this index (including Mercury and Wise Business) have affiliate relationships with Global Solo on other pages of this site. Links in this index point to provider homepages and source documents only — no affiliate parameters. Inclusion, ordering, and cell values are determined by the published-evidence methodology above, not by commercial relationships.