How to Set Up a LLC in USA for Non-Residents + US Bank Account (all sources shared)

[Marco69]

As far as I know, there is no risk with this type.

That's great ! But Wise? Heck even consultants, coaches who are in high 7 figures income league using Mercury .
Have a nice day !

 

[Nexora550]

Nice share @aristocratic. Definitely saved a few guys from getting ripped off by those middleman services.

I did something similar last year but went with Northwest. Wyoming LLC Attorney is solid though. One thing to watch out for is using Wise. They have been super ban happy lately with non-US residents, especially if you are running agency or SEO services. Relay is way safer than Wise right now, even if Mercury is still the gold standard.

Also for the EIN... don't pay a reseller for that. You can just fax the SS-4 form to the IRS yourself for free. Takes about two weeks to get the fax back but saves you another $50.

 

[CTRWizard7]

One thing I’d add here, don’t cheap out on the boring paperwork after the LLC is formed. The setup part is easy, keeping Stripe/PP/banks calm is where people mess up.

Make sure your website, invoices, email domain, contracts and bank info all match the same company name/address as much as possible. Paypal especially can wake up 2 months later and ask for proof of business, supplier/client invoices, tax docs etc. If you used Wise just for verification and then actually operate from Relay/Mercury, keep it clean.

Also yeah, EIN is free if you can wait. Paying $50-100 for someone to fax a form is just lazy tax imo, but I get why some people do it if they hate dealing with IRS stuff.

 

[Marco69]

One thing I’d add here, don’t cheap out on the boring paperwork after the LLC is formed. The setup part is easy, keeping Stripe/PP/banks calm is where people mess up.

Make sure your website, invoices, email domain, contracts and bank info all match the same company name/address as much as possible. Paypal especially can wake up 2 months later and ask for proof of business, supplier/client invoices, tax docs etc. If you used Wise just for verification and then actually operate from Relay/Mercury, keep it clean.

Also yeah, EIN is free if you can wait. Paying $50-100 for someone to fax a form is just lazy tax imo, but I get why some people do it if they hate dealing with IRS stuff.

Why the IRS taking two weeks to send you via fax or online an EIn? Do they not work........

 

[Skylercady]

As far as I know, there is no risk with this type.

Hey @Vlad2012

If you have business Mercury, Relayfi, Found or things like that, I'd like to buy it.

 

[Vlad2012]

So far as I know with Wyoming LLC's Mercury accepts the registered agents address- right ?

Yes, no problem and don't forget a professional email linked to a professional and consistent website.

 

[coreproxy]

anyone faced this question from Mercury

Revenue
Please upload proof of customer payment (invoice from the past year, customer receipts or purchase orders from the past 90 days), processor or platform record (Stripe, Paypal, or e-commerce payout summary from the past 90 days), customer contract or agreement (signed contract from the past year), or proof of funding such as grant or crowdfunding confirmation from the past year to verify the source of funds for your business.

 

[Vlad2012]

anyone faced this question from Mercury

Revenue
Please upload proof of customer payment (invoice from the past year, customer receipts or purchase orders from the past 90 days), processor or platform record (Stripe, Paypal, or e-commerce payout summary from the past 90 days), customer contract or agreement (signed contract from the past year), or proof of funding such as grant or crowdfunding confirmation from the past year to verify the source of funds for your business.

Not at the moment...

 

[theeyeinside]

When getting a Wyoming LLC, ALWAYS get the full virtual office package with it,
the one WITH THE OFFICE "LEASE", forwarding email and forwarding phone

That "proves" you have a real presence in that city

I'll let you in a little secret.

An IRS EIN number - Getting it online is DIFFERENT than by mail.

So always get your EIN by filling out the paper form, send it back to your registered
agent and have them mail it from the city "where you are located"

Then after you receive it ....

Fill out the form to get a BUSINESS LICENSE IN THAT CITY. Its cheap

Then after you receive your BUSINESS LICENSE .....

THEN apply for your Free DUNS Number. THEY WILL CHECK for the business
license AND the office.

Then make a package of your documents - LLC Incorporation Certificate, Certificate of Good Standing,
EIN Number, Business License, DUNS Number

Any question on your business bank account, send them that package

Sincerely,

The Eye

 

[coreproxy]

Not at the moment...

I got it when I applied my application and EIN

 

[Marco69]

But when I read whatpayment com site, the problems many LLC owners (foreigners) facing is that these online banks not let you scale to high 7 figures, they freezing your money often when you make $500k a month or much less.

For me who lives in EU (germany) it look slike a LLC is not the right structure for all this, most platforms connect to EU data DCA/7, report it to authorithies 1x time a year, like US platforms do. But for me it's better then have an UK Limited (Ltd.) company with UK address not only register agent address and a UK bank account (maybe later not at start) so there is no KYC mismatch.

US online banks freezing you when you want withdraw your CEO "salary" to an EU bank they will freeze the money and vice versa.
Not forget to have a good business label description for these banks (yopur lawyer will do it) doing oinline video coaching as example they will reject/ ban you.

Bankster globalists and orange ape had damaged a lot to us. A nightmare to send my passport to the USA, it costs 100€ for notariy verification or more, only to get a good real office addresse and other services? What a nightmare these US elites have done.

It looks like today you need ITIN (foreigners) for these online banks and a good real physicaL office address and phone number. Become a member of US chamber of commerce will be a benefit too.
All these frictions and obstacles they not tell you in youtube videos....

Happy Monday !

 

[RoyalCeres68]

But when I read whatpayment com site, the problems many LLC owners (foreigners) facing is that these online banks not let you scale to high 7 figures, they freezing your money often when you make $500k a month or much less.

For me who lives in EU (germany) it look slike a LLC is not the right structure for all this, most platforms connect to EU data DCA/7, report it to authorithies 1x time a year, like US platforms do. But for me it's better then have an UK Limited (Ltd.) company with UK address not only register agent address and a UK bank account (maybe later not at start) so there is no KYC mismatch.

US online banks freezing you when you want withdraw your CEO "salary" to an EU bank they will freeze the money and vice versa.
Not forget to have a good business label description for these banks (yopur lawyer will do it) doing oinline video coaching as example they will reject/ ban you.

Bankster globalists and orange ape had damaged a lot to us. A nightmare to send my passport to the USA, it costs 100€ for notariy verification or more, only to get a good real office addresse and other services? What a nightmare these US elites have done.

It looks like today you need ITIN (foreigners) for these online banks and a good real physicaL office address and phone number. Become a member of US chamber of commerce will be a benefit too.
All these frictions and obstacles they not tell you in youtube videos....

Happy Monday !

I don't really see the benefit of having a US LLC as a German tax resident. In most cases, it'll be taxed pretty much the same as a regular German UG or GmbH, so I don't see any significant advantage.

And once you're making $500k a month, I doubt getting an ITIN, renting a proper office, or even flying to the US is going to be your biggest concern for a proper bank account.

 

[Marco69]

I don't really see the benefit of having a US LLC as a German tax resident. In most cases, it'll be taxed pretty much the same as a regular German UG or GmbH, so I don't see any significant advantage.

And once you're making $500k a month, I doubt getting an ITIN, renting a proper office, or even flying to the US is going to be your biggest concern for a proper bank account.

What will happen when I make $500k what do you mean? Yes I think a UK limited company is the better choice for me here because these platforms forcing me to use EU data DCa/ 7 (for usa clients) so all data I have my resident, company office +phone and local UK bank account later all is in EU region with an UK Limited. Then I think these platforms then will not make me any stress, get Tax ID /Number for an UK Limited is not a big obstacle , most they accept my passport without need notary or other expensive passport verify process as US wants.

Or an LLC but with ITIN it wil takes 7-11 weeks, without ITIN a LLC wioll faces a lot of trouble I guess.

 

[Vlad2012]

It looks like today you need ITIN (foreigners) for these online banks and a good real physicaL office address and phone number. Become a member of US chamber of commerce will be a benefit too.

That's incorrect in most cases.

For fintechs such as Mercury, Relay, or Wise Business, an ITIN is generally not required for non-residents. An EIN (Employer Identification Number) and a valid passport are usually sufficient. Mercury explicitly states that non-U.S. founders can open a business account without being U.S. residents.

 

[Chunkulus]

Anyone reading this thread from the start should know one thing in it has since changed, because it is still being sold as a compliance service. Beneficial ownership reporting to FinCEN no longer applies to entities formed in the United States. An interim final rule effective 26 March 2025 redefined a reporting company as one formed under foreign law and then registered to do business in a US state, so a Wyoming LLC that you formed as a non resident is a US formed entity and is outside the requirement, and US persons are exempt from being reported as beneficial owners as well. If a formation agent is charging you a BOI filing fee, that is worth a question. What has not changed is the tax side: a foreign owned single member LLC still has its own federal filing obligations regardless of income, and those are separate from anything FinCEN did, so do not read this as no filings at all. Source is fincen.gov/boi rather than any agent's summary.

 

[Marco69]

That's incorrect in most cases.

For fintechs such as Mercury, Relay, or Wise Business, an ITIN is generally not required for non-residents. An EIN (Employer Identification Number) and a valid passport are usually sufficient. Mercury explicitly states that non-U.S. founders can open a business account without being U.S. residents.

Ok, so then why so many people with an LLC and EIN facing money freezing troubles so they can't scale to high 7 figures?

Maybe it's the new BOI report you need nowadays?

When ITIN is not needed then it must be the KYC mismatch what makes troubles here?

 

[aristocratic]

Didnt reply to this thread for a long time. Its nice to see people are still active and helping each other.

I only read the last few replies, but Id like to give a friendly suggestion: focus on reaching $500k/month and dont overthink everything. Once you're there and have the resources, you'll be able to solve almost any problem that comes your way. Just a friendly suggestion.

 

[Sajids]

Didnt reply to this thread for a long time. Its nice to see people are still active and helping each other.

I only read the last few replies, but Id like to give a friendly suggestion: focus on reaching $500k/month and dont overthink everything. Once you're there and have the resources, you'll be able to solve almost any problem that comes your way. Just a friendly suggestion.

Bro Could Some Sell Me Mercury Bank Account

 

[Marco69]

Didnt reply to this thread for a long time. Its nice to see people are still active and helping each other.

I only read the last few replies, but Id like to give a friendly suggestion: focus on reaching $500k/month and dont overthink everything. Once you're there and have the resources, you'll be able to solve almost any problem that comes your way. Just a friendly suggestion.

Thank you! It's not about get approved by these banks, that's not the problem.

Problem is at a high scale number income, they freeze money- the whole account .

Often it happens when you want withdraw your monthly high income salary from an US online bank to a bank in EU, or the EU bank will freeze it....

Most who scale to high 7 figures using authorize or checkout.com, as payment gateway I guess.

Obstacles over obstacles for non US people ......