Bank Accounts for Delaware Companies

Banking for Delaware Companies

Opening a US bank account is one of the most critical steps for any Delaware company, particularly for non-US owners who cannot simply walk into a local bank branch. ShelfCompanies24 helps clients navigate the US banking landscape and secure accounts with institutions that welcome international businesses.

Banking Options for Non-US Owners

The US banking landscape for non-resident business owners has evolved significantly with the rise of fintech platforms. Today, several options provide fully remote account opening:

• Mercury: Purpose-built for startups and international businesses. Fully remote onboarding, FDIC-insured through partner banks, no monthly fees, and excellent digital platform. Accepts Delaware LLCs with foreign owners.
• Relay: Free business banking with sub-accounts for expense management. Remote application process available for Delaware companies.
• Wise Business: Multi-currency account with US banking details (ACH routing and account number). Not a traditional bank account but widely used for receiving USD payments and converting to other currencies.
• Brex: Corporate card and cash management platform. Available to Delaware C-Corps with at least USD 100k in a linked US bank account.

Traditional Banks

Major US banks including Chase, Bank of America, and Wells Fargo offer comprehensive business accounts but typically require an in-person visit. We recommend specific branches in major cities that have experience with non-US business owners and can provide guidance on which locations are most likely to approve your application.

Required Documents

Standard documentation for opening a US business bank account includes: Certificate of Formation or Good Standing, operating agreement, EIN confirmation letter (CP 575), government-issued photo ID for all members/managers, proof of business address, and a brief description of business activities.

Our Banking Introduction Service

ShelfCompanies24 provides personalised banking introductions based on your specific situation, business type, and banking needs. We prepare your documentation package, recommend the most suitable institutions, and support you through the application process.

Get banking assistance for your Delaware company | Back to Delaware Overview