🌐 How to Open a U.S. Bank Account for Your U.S.-Based Business (2025 Guide)

Easily manage your Amazon and eBay earnings with a U.S. business bank account – no travel needed!

💼 Why You Need a U.S. Bank Account for Your Business

Having a U.S. bank account is essential if you plan to sell on platforms like Amazon, eBay, and Walmart. These marketplaces typically require sellers to have a U.S.-based bank account to receive payouts, verify identity, and manage transactions efficiently.

🔐 Can Non-U.S. Residents Open a U.S. Business Bank Account?

Yes, but there are specific requirements and processes. You don't need to be a U.S. citizen, but you do need a registered U.S. business (like an LLC or Corporation) and a valid EIN (Employer Identification Number).

🔧 Options for Opening a U.S. Business Bank Account

1. Traditional U.S. Banks (Physical Presence Required)

• Examples: Bank of America, Chase, Wells Fargo

• Requirement: Must visit a branch in person

• Best for: Those who travel to the U.S.

2. Online U.S. Banks (No Travel Required)

• Examples: Wise Business, Mercury, Relay Financial

• Ideal for: International entrepreneurs with a U.S.-registered company

• Used By: Amazon, eBay, and Walmart sellers globally

🤝 Wise Business vs. Others (for Amazon/eBay/Walmart)

✅ Wise Business

• Supported by Amazon, eBay, Walmart

• Accepts ACH and international transfers

• Multi-currency support

• Easy to set up remotely

✅ Mercury

• Fully digital

• Trusted by many startups

• Easy integration with Stripe, Amazon, and more

✅ Relay Financial

• Offers multiple accounts and user roles

• No monthly fees

• Works well for e-commerce businesses

📅 Documents You’ll Need

• U.S. business formation documents (Articles of Organization/Incorporation)

• EIN Confirmation Letter from the IRS

• Passport or government-issued ID

• Operating Agreement (for LLCs)

• Business address in the U.S. (can be virtual)

🌟 Final Tips

• Make sure the business name on your bank account matches your Amazon/eBay/Walmart seller account.

• Choose a provider that supports ACH payments and currency conversion.

• Double-check whether your selected bank complies with marketplace payout policies.