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American Bank Accounts with complete online management?

Discussion in 'BlackHat Lounge' started by AlexaR, Apr 11, 2013.

  1. AlexaR

    AlexaR Junior Member Premium Member

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    This might not be the best place to ask but I trust my BHW people cos they know their shit and figured I should :)

    So, I'm not based in the US, but I would benefit greatly from having a bank account in the US for payout reasons. I was considering incorporating and getting the whole package that some service providers offer which includes a bank account, but to be honest, I won't be making enough (yet) to warrant that, so I'd rather do that in person when the time comes.

    My question is, do you know of a bank that you would personally recommend that allows to create an account and manage it entirely online? :) any help much appreciated!
     
    Last edited: Apr 11, 2013
  2. terrycody

    terrycody Senior Member

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    hey dude, im looking for this too

    if u find a way, plz let me know

    thanks dude
     
  3. Zapdos

    Zapdos Power Member

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    I dont know of any bank in the U.S. that will allow you to make an account entirely online and be activated. All of them to my knowledge require you to visit a branch in person with forms of identification and legal documents. The only exception is if you've had an account with them previously which was closed and you want to reopen it.
     
    • Thanks Thanks x 1
  4. AlexaR

    AlexaR Junior Member Premium Member

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    @Zapdos thank you :) that does make sense, I will take a look around anyway and report back in case more people are interested

    @terrycody :) I will let you know if I find anything!
     
  5. cnick79

    cnick79 Jr. VIP Jr. VIP

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    Have a look at Capital One 360 (formerly ING Direct). They are entirely online. You can deposit personal checks by taking a picture of it with your phone. They will even send checks to people for free. I'm not sure if they are open to people outside the US, but worth the look.
     
  6. garrido

    garrido Supreme Member

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    I'm interested in this question too.
     
  7. Roparadise

    Roparadise BANNED BANNED

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    Etrade is totally online they do not even have branches.
     
  8. infoasian

    infoasian Supreme Member

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    US Banks will require your personal attendance for opening of account. There are a few exceptions to this rule, but most people will not qualify. Not all accounts that are advertised online are genuine, full functional bank accounts. Beware of that.

    In most cases you will need a US-based address to receive mail and a check card that you can use to withdraw money by ATM or make POS purchases. Possibly, rent a mailbox or ask to use c/o a friend's address who lives in the US. US banks are very limited in their online capabilities and some of them make it difficult to use your card or online banking from abroad. With that in mind, they are great for depositing checks and withdrawing money by ATM. Saves a lot of fees. When it comes to online banking, US is far behind Europe and Asia. It's not that easy to transfer money to another account. It's possible, but causes headaches and takes time.
     
  9. that.guy

    that.guy Newbie

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    Well think of it like this, if America was such a good place to keep your money, why do the big American companies like Facebook, Google and Apple and other billion dollar companies keep their money off shore? Just a question you might want to ask yourself.
     
  10. infoasian

    infoasian Supreme Member

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    Because they are able to lower their operating cost by doing so. For non-Americans it works the other way around. Offshore is always the opposite from the other side LOL
     
  11. Danny1111

    Danny1111 Elite Member

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    Rules here are way tighter in terms of opening an account before.

    If you don't have US Id's to open an account at like Charles Shaub or however you spell it - which offers free atm withdrawals wordwide which is all online
    then you got to go with a Big Bank.

    I don't think Chase/Citibank/Wells Fargo will allow you to open an account without going in person... these days.

    The only other choice would be to go to their branch in your own country and tell them you need a USD account and explain its for business - and do it that way.

    Obviously most expensive // open company - maildrop office with phone .. company account.
     
  12. mervat

    mervat BANNED BANNED

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    USA Bank accounts required SSN ( Social secuirty Number ) + Another Photo ID.
    You must be a resident of the USA To open an Account.

    The only way to work around that, is to find someone who is willing to help you out with it, who lives in the USA And have the proper documents.

    Good luck :)
     
  13. Roparadise

    Roparadise BANNED BANNED

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    You Don't need a SSN, a TIN would suffice and you don't need to be a resident. The residency rules vary by bank.
     
  14. infoasian

    infoasian Supreme Member

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    That's total nonsense. Most banks accept non-resident aliens. Rules are stricter than they used to be, but all you need is your passport. Sign a couple of forms for bank, IRS and homeland security and you have your US bank account. A formal US mailing address (of a friend or mailbox) makes things easier. Using a US friend, who is willing to put your account in his name, is pretty much the worst thing both of you can do. It's against the law and may cause a lot of pain.
     
  15. Alpenkorps

    Alpenkorps BANNED BANNED

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    If you need to accept payments only, Payoneer is a good choice.
     
  16. ehinoze

    ehinoze Power Member

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    Hmm, I wanna see where this is going.I beleive there ay be a way to do this but i've tried doing this before (2 years ago).Met rdblocks everywhere.
     
  17. garrido

    garrido Supreme Member

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    Bump!
     
  18. unclemike

    unclemike BANNED BANNED

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    I offer a solution for my clients who need a US Bank Account for various purposes but do not have a residency or
    citizenship in the USA. You can withdraw with the ATM Bank card and make online/offline purchases.

    Works with PayPal as well and you can accept direct deposit with online bank management. So yes it is possible
    and is convenient. But it takes a few weeks to set it up.

    Cheers,
    Unclemike
     
  19. ficfroc

    ficfroc Regular Member

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    Have you considered using payoneer ? I know some people use it with paypal, amazon .. however it only offers a virtual bank account. And the comissions on transaction is higher than normal bank rates .
     
  20. youtalkmedia

    youtalkmedia Senior Member

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    You wont find one that you can use without going into the bank. Your best bet is to find an international bank that is also in the US, and just open a US account with that bank.