Mercury Bank US LLC —
Best US Bank for Non-Resident Founders
The favourite banking platform for tech startups — built for modern global founders. $0 monthly fees, no minimums, FDIC insured up to $5M, Stripe-native, and developer APIs. Open remotely via your US LLC.
No monthly fee
Zero minimum balance
FDIC insured
Sweeps up to $5M
Stripe-ready
Next-day deposits
Developer API
Full programmatic access
Why Founders & Non-Residents Choose Mercury
Mercury was built specifically for global tech-first companies operating worldwide.
FDIC insured to $5M
Federal protection through automated partner bank sweep networks. Your capital is federally secured.
No fees, no minimums
No monthly maintenance, no minimum balance requirements. Free ACH and free incoming wires.
Developer API banking
Mercury's REST API and webhooks let you automate payouts and sync bookkeeping directly to your platform.
Granular team controls
Invite your accountant, co-founder, or team with role-based permissions and custom spend limits.
Virtual + physical cards
Generate unlimited virtual cards for Meta/Google Ads and AWS, with hard daily and monthly caps.
Stripe-native integration
Link Mercury directly to Stripe. Payouts land next business day with zero intermediary conversion deductions.
From Any Country to Mercury Account in 7–10 Days
HynoGo executes the formation and compliance preparation. You apply remotely with pre-verified documents.
US LLC Formed
Wyoming or Delaware corporate registration filed. Official Articles of Organization and Certificate issued.
IRS EIN Assigned
Federal Tax Identification Number registered with the IRS — zero SSN/ITIN requirement.
Apply to Mercury
Online application submitted with LLC documents, EIN, and your international passport.
Connect Stripe
Link Mercury routing and account numbers into Stripe for automated next-day USD payouts.
Mercury vs. Wise Business vs. Legacy Banks
Compare core features for international non-resident owners.
| Feature | Mercury ★ | Wise Business | Legacy US Banks |
|---|---|---|---|
| Account type | Full US Bank Account | Multi-Currency Wallet | Legacy Branch Bank |
| Monthly fee | $0 / Month | $0 / Month | $35–$50 / Month |
| FDIC insured | ✅ Up to $5M | ❌ E-money safeguards | ✅ $250,000 |
| Stripe payout | ✅ Next business day | ✅ 1–2 business days | ✅ 2–3 business days |
| Multi-currency | USD Primary | 50+ currencies | USD only |
| Developer API | ✅ Full REST API | ✅ Wise API | ❌ No public API |
| Virtual cards | ✅ Unlimited | ✅ Limited | ❌ Physical only |
| Non-resident remote | ✅ 100% Online via LLC | ✅ 100% Online via LLC | ❌ In-person visit required |
Frequently Asked Questions
Everything you need to know about opening Mercury Bank via a US LLC.
Can a non-resident open a Mercury Bank account?
Yes — via a US LLC. Mercury accepts non-resident business owners with a valid US LLC, EIN, and passport. The application is 100% online with no Social Security Number and zero US travel required. One requirement to plan for: Mercury requires a real physical address for your company's principal place of business — your own residential address (anywhere in the world) or an actual office works, but Mercury does not accept a registered agent address, P.O. box, or mail-forwarding address for this field.
Does Mercury Bank have monthly fees?
Mercury's standard account has $0 monthly fees, zero minimum balance requirements, and free domestic ACH transfers. Free incoming wires are included.
Is Mercury Bank FDIC insured?
Yes. Mercury accounts are FDIC insured up to $5,000,000 through automated multi-bank sweep networks (via Choice Financial Group and Evolve Bank & Trust). Your funds are federally protected.
What does Mercury actually check during underwriting?
Mercury's human underwriting team reviews: (1) a live business domain/website matching your application email, (2) a clear, specific description of your business model, (3) a valid foreign passport for all beneficial owners, and (4) your official IRS EIN letter (CP575 or 147C). Applications with a parked domain or vague business description are the most common cause of delay or rejection.
Why is Mercury popular with startups?
Mercury offers developer REST APIs, automated treasury sweeps, multi-user permissions, unlimited virtual debit cards, and clean integrations with Stripe, QuickBooks, and Xero.
How does Mercury integrate with Stripe?
Mercury connects directly to Stripe as a payout destination. Add your Mercury routing number and account number to Stripe payout settings. Payouts deposit automatically — typically next business day.
Mercury vs Wise Business — which should I choose?
Choose Mercury if you want a full US bank account with FDIC insurance and US banking infrastructure. Choose Wise Business if you need to hold 50+ currencies and transfer to your home country at mid-market exchange rates. Many founders use both — Mercury as the primary business bank, Wise for international payouts.
Can Mercury send international wire transfers?
Yes. Mercury supports international USD wire transfers to 180+ countries via SWIFT. For multi-currency local transfers, Wise Business is also readily integrated.
Does Mercury have a debit card for non-residents?
Yes. Mercury issues virtual Mastercard debit cards immediately upon approval, and dispatches physical Mastercard debit cards to business owners worldwide.
Does Mercury support Shopify payouts?
Yes. Shopify Payments, Amazon FBA, Gumroad, and Whop can be configured to pay directly into your Mercury account using your domestic US routing and account numbers.
Open Mercury Bank via US LLC — in 7–10 Days
Wyoming LLC, IRS EIN registration, Mercury KYB dossier, and Stripe payout configuration all included.