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BANKING & PAYMENTS FOR YOUR US LLC

One of the biggest advantages of a US LLC is access to the full US financial infrastructure — neobanks, payment processors, and credit facilities that simply aren't available to foreign businesses.

WHY NEOBANKS?

Traditional US banks typically require a US resident to open a business account. Neobanks — digital-first financial institutions — have changed this completely. With a properly formed US LLC and an EIN, you can open a US business account entirely remotely, without ever visiting the United States.

These accounts are not second-class alternatives. Mercury, Relay, and Wise Business offer everything a traditional bank provides: Visa or Mastercard debit cards, ACH transfers, wire transfers, and full online transaction management — often with better technology and lower fees than legacy banks.

WHAT'S INCLUDED IN YOUR PACKAGE

✓Bank account setup assistance (Mercury, Relay, or Wise)
✓Guidance on which bank fits your business model
✓Introduction to payment processors (Stripe, PayPal, Payoneer)
✓US credit score building guidance
✓Ongoing banking support during your 12-month engagement

OUR RECOMMENDED BANKING PARTNERS

Mercury

Neobank

Best for: Tech-forward founders, SaaS, e-commerce

Our top recommendation for most clients. Fully remote account opening with your LLC documents and EIN.

No monthly feesVisa debit cardACH & wire transfersAPI accessFDIC insured

Relay

Neobank

Best for: Multiple accounts, team banking

Excellent for businesses that need multiple accounts for different revenue streams or expense categories.

Up to 20 checking accountsNo transaction feesTeam access controlsAutomated savingsFDIC insured

Wise Business

Multi-currency

Best for: International payments, EUR accounts

The best option if you need to hold and send money in EUR, GBP, or other currencies alongside USD.

Multi-currency accountsReal exchange ratesLocal bank details in 10+ currenciesBatch paymentsDebit card

Payoneer

Payment platform

Best for: Freelancers, marketplaces

Particularly useful for marketplace sellers and freelancers receiving payments from major platforms.

Receive from Amazon, Upwork, FiverrUSD & EUR accountsDebit cardMass payouts

Stripe

Payment processor

Best for: Online businesses, subscriptions

The easiest way to accept card payments online. Integrates with virtually every e-commerce platform.

Accept cards onlineSubscriptions & invoicing140+ currenciesInstant payoutsNo monthly fee

BANKING IS INCLUDED IN YOUR LLC PACKAGE

Bank account setup assistance is included in every ZeroTax LLC formation package. Order your LLC and we'll guide you through the entire banking setup.

ORDER YOUR LLC