Possibly. Approval belongs to the bank and depends on the owner, country, operations, address, industry and identity documents.
Separate IRS EIN from bank approval
International applicants with a principal place of business outside the U.S. may request an EIN by phone, fax or mail on Form SS-4. Follow the current IRS instructions. IRS EIN
SBA lists common account documents, but each bank may ask for more. Check filed formation evidence, IRS-issued EIN confirmation, owner/controller identity, business address and any requested operating agreement. SBA checklist
Compare actual policies, not a universal rule
As checked September 28, 2026, Mercury accepts applications from international founders of U.S. companies with U.S. operations planned or underway, subject to country exclusions; it does not accept a registered-agent address as the principal business address. It asks for formation records, IRS EIN proof and owner ID. Bank of America's LLC application page says applicants should be U.S. residents. Policies can change; these examples are not recommendations or approval guarantees. Mercury eligibility · Mercury documents · BofA requirements
See non-U.S. founder overview and reporting even without income.
Frequently asked questions
Can I open a U.S. LLC bank account without living in the United States?
Some providers accept applications from nonresident founders, but eligibility depends on the bank, country, operations, address and ID documents. An LLC and EIN do not guarantee approval.
Is an EIN enough to open a business bank account?
No. Banks commonly request filed formation evidence, owner identity and address information, and may ask for more. Confirm current requirements with the chosen bank.
Can I use my registered agent’s address as the business address for a bank?
Do not assume so. Mercury states it does not accept an agent address as the principal business address; check the chosen bank’s current policy.
Can an international applicant get an EIN without using the IRS online route?
The IRS lists phone, fax and mail routes for applicants whose principal place of business is outside the United States. An EIN alone does not guarantee banking.
This is general information, not legal, tax or banking advice. Rules, deadlines and provider policies change; check the linked source and facts of your case before acting.