Open a US Business Bank Account Online
Four trusted banking partners. One place to start. Choose the account that fits your business — whether you’re US-based or operating internationally.
Once your US company is registered, you need a business bank account. We've partnered with four banking platforms, each built for different types of founders. All accounts open fully online — no branch visit required.
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Partner
Mercury
BEST FOR STARTUPS AND GROWING US BUSINESSES
Mercury is a free business bank account built for startups. It offers seamless integrations, advanced security, and up to 20× the standard FDIC coverage — $5M vs the typical $250K.
- Free ACH transfers and USD wires
- Up to $5M FDIC insurance coverage
- Up to 3.66% APY through Mercury Treasury
- AI-powered bill pay and automated invoicing
- Expense management and corporate cards
- Syncs with QuickBooks, NetSuite, and Xero
Free plan available — Plus from $29.90/mo
💡 New accounts may qualify for a Mercury cash bonus — $125 when depositing $5K, or $250 when depositing $10K within 90 days.
Relay
BEST FOR FOUNDERS WHO NEED MULTIPLE ACCOUNTS AND CASH FLOW VISIBILITY
Relay is built for entrepreneurs who want granular control over their money. Open up to 20 checking accounts to separate funds, issue up to 50 cards, and automate bill payments — all from one dashboard.
- Up to 20 checking accounts + 50 physical or virtual cards
- Automated bill pay and invoicing
- Compatible with the Profit First method
- Role-based permissions for employees and advisors
- Integrates with QuickBooks, Xero, and Gusto
- Up to 3.00% APY on savings (Scale plan)
Free plan available — Plus from $29.90/mo
💡 New accounts may qualify for a Mercury cash bonus — $125 when depositing $5K, or $250 when depositing $10K within 90 days.
Airwallex
BEST FOR FOREIGN-OWNED BUSINESSES AND INTERNATIONAL OPERATIONS
Airwallex is built for businesses that operate across borders. Hold, send, and receive money in 20+ currencies, transfer to 200+ countries at interbank exchange rates, and manage multi-currency corporate cards — without the fees traditional banks charge.
- Multi-currency accounts in 20+ currencies
- International transfers to 200+ countries at interbank rates
- Multi-currency corporate cards with spending controls
- Automated bill pay and expense management
- Checkout integrations for Shopify, WooCommerce, and Magento
No pricing shown — contact Airwallex for a quote
Wise Business
BEST FOR LOW-COST INTERNATIONAL TRANSFERS
Wise Business lets you hold, send, and receive money in 40+ currencies at the real mid-market exchange rate — no markup, no surprises. The most cost-effective choice for businesses that regularly pay or receive internationally.
- Hold and convert 40+ currencies at mid-market rate
- International payments in under 24 hours
- Wire transfers from $1.13 (vs $25+ at traditional banks)
- Physical and virtual cards for your team
- Up to 3.14% APY on USD, GBP, and EUR balances
- Covers 231 countries and territories
One-time $31 setup fee — no ongoing markup
Do I need a US address to open a US business bank account?
Not with most of our partners. Mercury, Relay, and Airwallex all allow foreign-owned businesses to open accounts using your registered US business address. Your personal address does not need to be in the US.
Which bank account is best for a non-US resident?
It depends on your needs. If you primarily operate internationally, Airwallex or Wise are the best fit. If you want a full-featured US banking platform with a free account, Mercury is the most popular choice for non-resident founders.
Can I open a bank account before my company is registered?
No — you need a registered US company first. BusinessAnywhere handles the company formation and then you access banking partners from your dashboard. Register your company here
Are these accounts FDIC insured?
Yes. Mercury offers up to $5M FDIC coverage. Relay offers FDIC insurance through Thread Bank. Wise offers up to $250K FDIC protection through its partner banks.
Not sure which account is right for you?
Create your BusinessAnywhere account and access all four banking partners from your dashboard. Our team can help you choose the right fit for your business type and location.