How to open a US bank account as a non-resident?

by FlashDriveDT 123 replies
I live in Germany and would like to have a US bank account so I can get my amazon.com payments quicker and cheaper. (Amazon doesn't offer paypal or anything similar) I've done some googling and there's many services that offer to open one but I'm pretty wary of these sites.
http://www.google.com/search?q=open+...t+non-resident
I'd rather do it directly with a bank, even if its a little tedious.

So I would like to ask if there are any Warriors who live abroad and have succesfully opened a US account? Can anyone recommend a bank? Of course I'm looking for the easiest and most proficient application. What may come in handy for me is that I still have a valid US green card and even state ID (along with social security #). I could pretend that I'm still a resident and open a normal account but I don't want to lie. Besides, I'm sure the bank would need proof that I'm actually living in the states.

Thanks for any feebdack!
#main internet marketing discussion forum #account #bank #nonresident #open
  • Profile picture of the author Richard Tunnah
    Can't you just open a US denominated account at your local bank? Most major banks offer accounts in other major currencies or they do in the UK.

    Rich
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  • Profile picture of the author riverchase
    Go to Bank of America or Chase site. You should find help there.
    Or just call them direct using your Skype.
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    • Profile picture of the author Cyrus
      This is totally possible to make US bank account as a non-resident, I know at least four methods to make US Account. I and My Friends are using it from Months.
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  • Profile picture of the author Adrian Cooper
    Originally Posted by FlashDriveDT View Post

    I live in Germany and would like to have a US bank account so I can get my amazon.com payments quicker and cheaper. (Amazon doesn't offer paypal or anything similar) I've done some googling and there's many services that offer to open one but I'm pretty wary of these sites.
    http://www.google.com/search?q=open+...t+non-resident
    I'd rather do it directly with a bank, even if its a little tedious.

    So I would like to ask if there are any Warriors who live abroad and have succesfully opened a US account? Can anyone recommend a bank? Of course I'm looking for the easiest and most proficient application. What may come in handy for me is that I still have a valid US green card and even state ID (along with social security #). I could pretend that I'm still a resident and open a normal account but I don't want to lie. Besides, I'm sure the bank would need proof that I'm actually living in the states.

    Thanks for any feebdack!
    Since 9/11 it is almost impossible for a non-US national to get a US bank account.

    In your case though with your credentials I am sure you could open an account if you could provide a US address even if a friend or relative.

    You may need to travel to the US in person though.
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  • Profile picture of the author FlashDriveDT
    Hey Cyrus, could you let me know these methods. If you prefer, by PM. I just messaged you.

    I inquired with my german bank and they say it could only be done with a major international bank. And maybe Western Union. I'll have to look into that. As far as cashing in a check from the US I was told it's not advisable. It could take up to 8 weeks to clear and there's at least $100 fees involved! Yikes.

    From what I can tell opening/running a us bank account with a major international bank can be quite tricky - like a certain minimum transfer each month, plus monthly fees of at least $50. Oh well, I'm not giving up.
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  • Profile picture of the author activetrader
    If I am not mistaking all you need is a SS number and two forms of ID (one could be a DL and another a major credit card). When I came to the US on a student visa ten years ago I was able to get a SS card immediately; then I went to Bank of America and opened a bank account with no problems at all. Since then they've stopped issuing SS cards to students but I became a resident a long time ago. As long as you have a SS card, you can go and open an account and no one will ask if you live in the US permanently.
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  • Profile picture of the author Kris.Sm
    You definetly need SSN(Social Security Number) to open an account with any decent bank in US. The rest can be compramised like address proof etc..passport copy would be fine. May be if u know someone here close..get him / her open the account and later make in a joint account. after all the rest is all online banking..
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    • Profile picture of the author marciayudkin
      If I am not mistaking all you need is a SS number and two forms of ID (one could be a DL and another a major credit card). When I came to the US on a student visa ten years ago I was able to get a SS card immediately; then I went to Bank of America and opened a bank account with no problems at all. Since then they've stopped issuing SS cards to students but I became a resident a long time ago. As long as you have a SS card, you can go and open an account and no one will ask if you live in the US permanently.
      Do NOT pay any attention to the above. Whatever was possible 10 years ago, things are totally different in the U.S. since 9/11. My 20-ish nephew is an American citizen but never lived in the U.S., and when he came here and tried to open up a bank account, you wouldn't believe the hoops he had to jump through. It took him three months to go through all the steps.

      Even to get a U.S. driver's license is much more difficult now.

      Your best bet is to open an account in U.S. dollars at a branch of a U.S. bank in your own country.

      Marcia Yudkin
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      • Profile picture of the author Cyrus
        Originally Posted by FlashDriveDT View Post

        Hey Cyrus, could you let me know these methods. If you prefer, by PM. I just messaged you.
        Just replied to Your PM

        Originally Posted by activetrader View Post

        If I am not mistaking all you need is a SS number and two forms of ID
        OP Need a US Bank Account as NON US Resident, All you need is Documents of Your Country not SSN no of something.
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      • Profile picture of the author donhx
        Originally Posted by marciayudkin View Post

        Do NOT pay any attention to the above. Whatever was possible 10 years ago, things are totally different in the U.S. since 9/11. My 20-ish nephew is an American citizen but never lived in the U.S., and when he came here and tried to open up a bank account, you wouldn't believe the hoops he had to jump through. It took him three months to go through all the steps.

        Even to get a U.S. driver's license is much more difficult now.

        Your best bet is to open an account in U.S. dollars at a branch of a U.S. bank in your own country.

        Marcia Yudkin

        I am US born and lived here virtually all my life. But I lived outside the country for 10 years and when I came back, I even had a hard time getting a bank account. After 9/11 the laws became a maze and they wanted all kinds of proof that a person did not normally have to provide.

        Also, banking in the US is changing as a result of the financial crisis. Many banks do a credit check before they accept you as a customer. That means you must be in the US credit checking system (and requires a Social Security Number). Also, checking accounts were often free. Now the banks are adding all kinds of fees...$10 per month for a no-frills checking account. Even if you get an account, you'll be paying at least $120 year to maintain it, perhaps more.
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  • Profile picture of the author pmlharry
    Can you share with us what kinds of fees would be payable for opening a US Bank Account as a non-US resident?

    And what about the options for withdrawing the money from the account? What's the easiest way to do it, and again what are the fees we can expect to pay per withdrawal?
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    • Profile picture of the author Cyrus
      Originally Posted by pmlharry View Post

      Can you share with us what kinds of fees would be payable for opening a US Bank Account as a non-US resident?

      And what about the options for withdrawing the money from the account? What's the easiest way to do it, and again what are the fees we can expect to pay per withdrawal?
      Well fee depend upon bank's policy.. but usually they are high :rolleyes:

      Fee structure of one bank my friend used (First Bank of Delaware)

      $1000 initial deposit
      $200 account opening fee (this includes chequebook, debit card, account opening kit)
      Account Maintenance fee
      $500 Lawyer's fee who will every work for you from start to end.

      well this is just an example, some banks have high initial deposit like $10,000 and they charge % of amount on every transaction like paypal does.

      Second bank i used is probably a poor bank :p and approximately $500-$600 are more than enough to open a US bank account.
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  • Profile picture of the author Smokey_Joe
    Well, judging by my own experience, the key here is having a social security number. I'm not a U.S. resident, but I worked in the U.S. two years ago - I had no problems whatsoever opening a bank account there (I still have it, btw). I don't know if the procedure is that easy via internet, but it's possible IMO. Check what they have at bankofamerica.com (or the site of any other major bank), you might have a lot of your questions answered.
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  • Profile picture of the author Tyrus Antas
    How about starting a company and open a corporate bank account?

    Tyrus
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  • Profile picture of the author JohnHuizinga
    I opened a US bank account as a Canadian through my bank. They just happened to own an American bank and our bank rep set it up for us on the spot.
    Perhaps the bank you deal with doesn't have any American associate banks but there must be some who do.
    I see Deutsche Bank has many American locations. Maybe they're worth talking to.
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    • Profile picture of the author kenanselo
      I opened one using e-trade, I duno if they still offer that.
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      • As a EU citizen, I opened a US bank account with Citibank a few months ago. I had to open a Citibank in my home country, then have them email my contact at Citibank US confirming that my passport was OK, etc.

        First of all you need to get in contact with the right agent in the US bank you want to open an account with, so call a few times until you find someone willing to help. And then simply find a way to have your passport confirmed. That's all there is to it.
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        • Profile picture of the author Sean Kelly
          Originally Posted by Anonymous Affiliate View Post

          As a EU citizen, I opened a US bank account with Citibank a few months ago. I had to open a Citibank in my home country, then have them email my contact at Citibank US confirming that my passport was OK, etc.

          First of all you need to get in contact with the right agent in the US bank you want to open an account with, so call a few times until you find someone willing to help. And then simply find a way to have your passport confirmed. That's all there is to it.
          I dont know who you are but you are correct. Citibank told me the same thing but my problem was that there is no Citibank in Brussels where I live (only corporate offices).

          A site visit by the bank to your place may also be carried out.

          Sean Kelly
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          • Go try out Wachovia.Com, send them an email and explain what you will need the account for.

            I've got a checking account with them and have been owning it for over a year now. I'm an non US resident or citizen. All my account opening transactions were done through secure mail. e.g DHL
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            • Profile picture of the author thunderflash
              Originally Posted by Makabongwe Maseko View Post

              Go try out Wachovia.Com, send them an email and explain what you will need the account for.

              I've got a checking account with them and have been owning it for over a year now. I'm an non US resident or citizen. All my account opening transactions were done through secure mail. e.g DHL
              could you show some tips, I have contacted wachovia bank, but they tell me to visit local bank for more info, I want to know the wachovia brach address. thank you
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  • Profile picture of the author bigman1234
    you can open a US acct but the fees are $$ sometimes to maintain it .. most people have has success with Citibank .. see if they have a German correspondant bank
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  • Profile picture of the author FlashDriveDT
    I will try to ask some "german-US" banks. But preferably because of the fees, I'm working on the option of having someone close in the US just open an account for me.
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  • Profile picture of the author lostpoet
    So Cyrus, what should we do to open a US a/c as non-residents?
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  • Profile picture of the author lostpoet
    Hey, thanks Nathan

    Have you any experience with any of them?
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  • Profile picture of the author morry
    I've done this before, but it wasn't cheap. I used a company called Nevada LLC or Wyoming LLC for $69 plus filing fees, Corp95 files your Nevada corporation or Wyoming Corporation for $69 plus filing fees. and they created a US corporation for me. Once I got that done, they went and spoke to Bank of America, who then let me open an account. I don't know how they did it, but it works fine. Might cost $1500 or so, but it can be done.

    Sean
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  • Profile picture of the author Kris Turner
    I looked into this a few months back and found that it's virtually impossible to open a US bank account if you're a non-US resident.

    The only ones who would consider it need all kinds of things from you, including you taking a trip there with multiple forms of ID.

    Can't you just have your PayPal payments sent to your current bank? It seems to work for most people, and shouldn't really slow down things too much.
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  • Profile picture of the author lostpoet
    Hey, thanks you guys. You think HSBC could do it for me?
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  • Profile picture of the author derekwong28
    I am in the process of opening a US bank account with HSBC at the moment. Our local branch in Hong Kong refered our request to their US international banking offices directly. So far, one of their officers have e-mailed back but it seems that they will need to talk to you directly by phone before they can take things further.

    Derek
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  • Profile picture of the author FrankPinch
    No problem, get an address in US (many ways to do so!) and open a bank account! I do this in many countries!
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    • Profile picture of the author rinde
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      • Profile picture of the author Hyaku_Man
        This isn't the ideal solution you're looking for, but I have a Citibank account here in Japan and they cash my CPA network checks. They charge a $10 fee and it takes 15 days to clear. At other banks it's a big hassle, but Citi is pretty straightforward. It is technically a Japanese bank as Citibank Japan, but they are internationally minded because the parent company is American. You have Citibank in Germany. Maybe worth a shot.
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  • Profile picture of the author lostpoet
    I just got off the Phone/Skype with Bank of America (their call center at any rate) and they need me to be physically present there with my passport and another form of ID [the man said credit card would do].

    I think I better approach my local HSBC branch.

    @Makabongwe Maseko - What documents did they require you to submit?
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    • Originally Posted by lostpoet View Post

      I just got off the Phone/Skype with Bank of America (their call center at any rate) and they need me to be physically present there with my passport and another form of ID [the man said credit card would do].

      I think I better approach my local HSBC branch.

      @Makabongwe Maseko - What documents did they require you to submit?
      They sent me the forms via DHL and I had to send them back via DHL as well.

      All they wanted was what all banks want:

      - copy of my ID and travel document, these had to be certified by the American Embassy.
      - Prove my my current bank, that I've been banking with for over 1 year.
      - And what I do for a leaving.

      I sent it to them, my account was approved in 3 weeks. They then asked me to make a wire deposit of $100, which I did, then after 1 week they sent my debit card.

      That's all.
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      • Profile picture of the author babushka99
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        Originally Posted by Makabongwe Maseko View Post

        They sent me the forms via DHL and I had to send them back via DHL as well.

        All they wanted was what all banks want:

        - copy of my ID and travel document, these had to be certified by the American Embassy.
        - Prove my my current bank, that I've been banking with for over 1 year.
        - And what I do for a leaving.

        I sent it to them, my account was approved in 3 weeks. They then asked me to make a wire deposit of $100, which I did, then after 1 week they sent my debit card.

        That's all.

        @Maseko,

        That's great. Because to the best of my knowledge, Bank of America ( am assuming you're talking about BoA, otherwise this post is not applicable) will not open an account for anyone residing outside of US, until he/she/they meet the following criteria:

        - Citizenship status: You must be a U.S. Citizen with a Social Security Number or a permanent resident with a Social Security Number
        - Current address and previous address if you have lived at your current address for less than five years
        - Driver license number
        - Employer information, if applicable (for Corporate Account)
        - E-mail address
        - Account information of your financial institution, if funding your account from a non-Bank of America account
        - Account information of your credit card or debit card, if funding your account from a credit or debit card
        - Account numbers of existing Bank of America accounts, if linking your account to other Bank of America accounts.


        I know so because I have very many friends who have tried this and ended up the Corporate route.

        So consider yourself very lucky indeed.
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  • Profile picture of the author bryan1812
    I recommend Suntrust. As they are Florida based, they deal a LOT with foreign nationals.
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    • Profile picture of the author prodozoan
      There are a couple of ways this can be done. I got it done recently by getting a company registered with a friend who is on a short visit to US( and who i partnered for this venture). With the company registered documents you can start a corporate bank account.

      The other option is to find banks based in your country which also have branches in US. They will be able to help you set one up in US if you have an account with them in your country. Again, you need to check with the bank's policy.

      Ajith
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  • Profile picture of the author lostpoet
    Hmmm, I think WILL call up the local HSBC branch asap.
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  • Profile picture of the author babushka99
    Banned
    Some information you will find helpful.

    (a) You do NOT need a Social-Security # to open a Non-Resident US Bank Account. Its an added benefit, but not required.
    (b) You can open an account with any brokerage firm (E-trade, Charles Schwab, Ameritrade, Scott Trade, etc.) will all open a bank account for you also, the minimum investment for this is $5,000
    (c) LLC route, register a company (cost about $200), Lawyer fees (depends - $100-$500-$1000), and cost of opening account $300-$1000 (that is the deposit), you will get an EIN (Employer Identification Number) from the IRS instead of an SSN. Yearly fees about $300.
    (d) If you have been an HSBC customer for over 12 months, you will qualify by HSBC for them to open an account where ever HSBC operates.
    (e) Deutsche Bank will open an account for you in NY, provided you have been banking with them for over 24 months.
    (f) and lastly as someone suggested Wachovia will open an account, however, it is a long and tedious process if you can convince them of why you need it - its all about KYC (Know Your Customer) regulation arrangement and verification between your current bank and Wachovia.
    (g) Bank of America will open a corporate account for you.
    (h) Citibank allows global deposits (you will need their corporate services for this, minimum balance of US$ 25,000 is allowed), deposits can be made into any Citibank branch worldwide, Fees of US$ 45 is applicable per deposit and mid-bank deduction fees may apply. You have to be a Citibank customer in good standing for over 12 months.
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  • Profile picture of the author lostpoet
    @Babushka99 - Now that's some good info! What's a corporate account please?
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    • Profile picture of the author babushka99
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      Originally Posted by lostpoet View Post

      @Babushka99 - Now that's some good info! What's a corporate account please?
      One that is tied into a company and not to an individual's name.
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  • Profile picture of the author babushka99
    Banned
    By the way all those websites out there on the Internet, that are citing/selling books to tell you how to open a US bank account for non-residents, it is the same LLC roue. They are simply providing you a list of accounts of Bank that allow via proxy account opening. Via proxy means, a registered LLC and attorney is representing your company's interests and opens an account for you.
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  • @ babushka99

    This is Wachovia.

    I first sent them an email explaining that I'm doing internet marketing and that I'd like to receive payments but its impossible because paypal can't send payments to my countries bank account.

    I Told them all I wanted to do with this account and told them I will supply all details and documents they may need about me.

    They then replied and told me to phone a customer representative. Phoned and the customer representative who is now my personal account representative opened a file for me and sent me the documents to fill-up and return to them.

    No fax, only secure mail.
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    • Profile picture of the author androomidaa
      Originally Posted by Makabongwe Maseko View Post

      @ babushka99

      This is Wachovia.

      I first sent them an email explaining that I'm doing internet marketing and that I'd like to receive payments but its impossible because paypal can't send payments to my countries bank account.

      I Told them all I wanted to do with this account and told them I will supply all details and documents they may need about me.

      They then replied and told me to phone a customer representative. Phoned and the customer representative who is now my personal account representative opened a file for me and sent me the documents to fill-up and return to them.

      No fax, only secure mail.
      @Maseko,

      I'm an affiliate marketer (cpa, cps) and I'm in the middle of account opening process with wachovia as well. But for now I'm kinda stuck with them.

      I have applied for their free checking account and the process is taking really long (almost a year now):confused:! They have lost my documents once so I had to send them back again! Also I was confused about what to write in the transaction profile where it states "why the account is needed" and I wrote "to receive payments, to save and to invest in my business" and they replied they cant open a personal account for business purpose therefore they need clarification:confused: (my bad I thought they would rather like the term 'business' then 'internet marketing!')

      Now I'm kinda confused what to do! I have dropped them 3 emails explaining how am i going to use the account (receiving my cpa earnings via ACH, buying some gadgets online blah blah blah) but no reply from them yet! Any suggestions? Also what account did u apply for? And do u think your wachovia account rep can help me on this?

      Any help would be greatly appreciated

      Thanks
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  • Profile picture of the author thunderflash
    hi, I have some need too, I want to open a US bank account ,but wherever you ask the bank custmer service online or phone, they ask SSN first, if not, then you have to pay a personal visit. someone tell that has open a account successfully, but I can not verify reality. still watching
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  • Profile picture of the author teeds01
    Ok - this is being made way to complicated. You can open a U.S. Business account WITH a Tax ID (EIN ) number. One signer on the account needs a social. Any transfers over $10k are reported federally. You might want to check with the larger banks because all you need is a U.S. routing number for the transfers to occur quicker.
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  • Profile picture of the author zorus
    get a payoneer card and then upgrade to virtual us account and you can get ach payment from amazon or any other ach payment company.
    you can get a payoneer from many sites, e.g. markethealth, copeac etc
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    • Profile picture of the author hamlak
      Originally Posted by zorus View Post

      get a payoneer card and then upgrade to virtual us account and you can get ach payment from amazon or any other ach payment company.
      you can get a payoneer from many sites, e.g. markethealth, copeac etc
      The Payoneer option is not an easy option at all.

      Below is an email that I got from Payoneer when I asked them to upgrade my card.

      "Dear xxxxx,

      Thank you for contacting us.

      This program is currently in pilot and available to selected card holders by invitation only.

      Please note the criteria for receiving an invitation to register for the service?

      1. You need to be a registered Payoneer card holder with one of our selected partners
      2. You need to have previously received at least 3 payments from the partner
      3. You need to complete a risk questionnaire and be approved by Payoneer

      Please feel free to contact us if you have any additional questions. "

      As you can see it is not an easy or automatic option.

      You can still meet all the requirements above and still fail approval by Payoneer.

      hope this clarification helps.
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    • Profile picture of the author hamlak
      Originally Posted by zorus View Post

      get a payoneer card and then upgrade to virtual us account and you can get ach payment from amazon or any other ach payment company.
      you can get a payoneer from many sites, e.g. markethealth, copeac etc
      The Payoneer option is not an easy option at all.

      Below is an email that I got from Payoneer when I asked them to upgrade my card.

      "Dear xxxxx,

      Thank you for contacting us.

      This program is currently in pilot and available to selected card holders by invitation only.

      Please note the criteria for receiving an invitation to register for the service?

      1. You need to be a registered Payoneer card holder with one of our selected partners
      2. You need to have previously received at least 3 payments from the partner
      3. You need to complete a risk questionnaire and be approved by Payoneer

      Please feel free to contact us if you have any additional questions. "

      As you can see it is not an easy or automatic option.

      You can still meet all the requirements above and still fail approval by Payoneer.

      hope this clarification helps.
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      • Profile picture of the author Rickling
        Wow what a mess!!! Do you think having a Bank account in Mexico would help to gettting a USA account as I know paypal allow either to them or depositing of money!! Definitely a USA bank account would simplify things especially if you have US based customers...!! If it wasn't so damn difficult I would do it myself!! Have an Australian account but of course live there! HSBC are in Mexico they are in US too? In Australia but say neither asre associated!! As the HSBC in Mexico was formally Bital.
        Rick.
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        • Profile picture of the author tmursch
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          • Profile picture of the author atvking
            Save yourself the trouble and just travel to the USA and open an account. Been trying online with different banks for almost a year now. The only reason I need it is to use the Authorize.net payment gateway but its available for Americans and Canadians only. Phone the bank upfront and send them all your documents you will STILL need to visit in person but at least its a 5 min visit once you prepare up front.
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          • Profile picture of the author Haroon Ballim
            It seems a few people have had success while others have not . Bank laws in the US have really become very strict since 2001 . But as u say you have a green card and SSN than it should not be too difficult.

            Going through agents and lawyers like some suggest is only really viable if you have huge amounts coming into your account as the costs of these agents can be extremely high
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            • Profile picture of the author ajguille
              Thanks Nissim for your help the address I used is aldog@ajguilledotokdotpe
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              • Profile picture of the author marciayudkin
                But as u say you have a green card and SSN than it should not be too difficult.
                As I said elsewhere in this thread, you can have a US passport and US citizenship but if you have no established US address, no US credit history and no US drivers license, it can be extremely difficult.

                Marcia Yudkin
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              • Profile picture of the author Nissim
                Originally Posted by ajguille View Post

                Thanks Nissim for your help the address I used is {email}
                Sending you a PM
                Signature

                Nissim
                Director of Community at Payoneer

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          • Profile picture of the author eijk82
            Originally Posted by tmursch View Post

            I've tried to open an account on wallmart money card but unfortunately it's for American citizen only.
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      • Profile picture of the author zorus
        3 payments from the partner is not so hard
        Btw to me it was automatic, they upgrade for me, and it works wonderful, also I paid to one guy locate in South Africa for info relate to this, it was useless personal opinion info. and that guy refuse to get paid via mastercard/visa and paypal because that it was impossible to get a refund, so watch out.
        payoneer has been the only legit way to do this.
        of course i'm always open to new alternatives and suggestion.



        Originally Posted by hamlak View Post

        The Payoneer option is not an easy option at all.

        Below is an email that I got from Payoneer when I asked them to upgrade my card.

        "Dear xxxxx,

        Thank you for contacting us.

        This program is currently in pilot and available to selected card holders by invitation only.

        Please note the criteria for receiving an invitation to register for the service?

        1. You need to be a registered Payoneer card holder with one of our selected partners
        2. You need to have previously received at least 3 payments from the partner
        3. You need to complete a risk questionnaire and be approved by Payoneer

        Please feel free to contact us if you have any additional questions. "

        As you can see it is not an easy or automatic option.

        You can still meet all the requirements above and still fail approval by Payoneer.

        hope this clarification helps.
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  • Profile picture of the author Marian Berghes
    so I sent an email to Citibank in my country and they have requested that I send them my phone number so that they "can give me the details".

    Ill post here if its possible or not after I talk to them.
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  • Profile picture of the author steveo
    I think you will want a credit card from Mastercard/Visa first because this is global market and can help verify your bank account. If you have credit card info it should help make getting a US bank account easy
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  • Profile picture of the author steveo
    It should be fairly mainstream to set up US bank account in other country..Most of these banks have become global market and even encourage such accounts.
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  • Profile picture of the author Marian Berghes
    well Citibank called me back today and they said that the most common method and easiest is if I could just take a trip to the USA and sign the papers in person, BUT
    the lady also said that there are some other exceptions that are done from time to time and that she would contact me back once she has some real facts to tell me.

    Keeping my fingers crossed hope I don't have to take a trip to the US just to sign some papers
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  • Profile picture of the author leaper
    You can open one as a non resident ,all you need is ID proof,a letter from your local bank in Germany if you have an account with this bank .just check more info
    with : everbank.com
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  • Profile picture of the author fingers4hire
    If you have someone in the US that you trust have them open the account. Once it is opened have them add your name to the acct. Most banks provide online services and they can send you a debit card, etc. It would save a heck of a lot of time.
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  • Profile picture of the author gautam42
    Citibank & wachovia are both very responsive. They will send documents via courier, which you need to fill up to open an account. So focus on these banks only.
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  • Profile picture of the author Floyd Fisher
    IIRC, if you open account in a bank that has a branch in the US, don't you automatically have a US bank account?
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  • Profile picture of the author raj.uk
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    • Profile picture of the author Alexa Smith
      Banned
      Originally Posted by Floyd Fisher View Post

      IIRC, if you open account in a bank that has a branch in the US, don't you automatically have a US bank account?
      No.

      Originally Posted by raj.uk View Post

      Did I miss something here? It seems to be about opening UK-based US Dollar (and Euro) accounts, for UK residents (which you can easily do anywhere). How is it relevant to this thread? :confused:
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  • Profile picture of the author celente
    WOW I wish I came and read this post when I was doing my US account from australia here.

    They wanted blood and my first born to be able to open it.. Might have had soemthing to do with sept 11th or whatever, but still I wont be doing it again.
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    • Profile picture of the author liveurlyf
      Originally Posted by celente View Post

      WOW I wish I came and read this post when I was doing my US account from australia here.

      They wanted blood and my first born to be able to open it.. Might have had soemthing to do with sept 11th or whatever, but still I wont be doing it again.
      That's funny....
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  • Profile picture of the author Prisqua
    You can open a bank account with Bank of America easily (I have French passport and live in Australia), you just have to be able to walk into the bank anywhere in the States. Because that's what I did so now I can finally get my Amazon commissions and was able to link my Paypal and iTunes account.

    So maybe you should plan a little holiday to the States...
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    • Profile picture of the author lobo999
      Originally Posted by Prisqua View Post

      You can open a bank account with Bank of America easily (I have French passport and live in Australia), you just have to be able to walk into the bank anywhere in the States. Because that's what I did so now I can finally get my Amazon commissions and was able to link my Paypal and iTunes account.

      So maybe you should plan a little holiday to the States...


      Prisqua witch paper do i need to open an corporate account with boa?
      only my German passport living in Guatemala, or i need a US direction? whats the initial costs and monthly fees for this account. thanks for help
      lobo
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      • Profile picture of the author Rishy
        Hello Gautam,

        Since Payoneer services have been discontinued in India, did you manage to open a us bank account from India without visiting USA. Does citibank help with that?
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  • Profile picture of the author King Shiloh
    Banned
    This thread will be evergreen as long as PayPal and Clickbank still ban some countries from opening account.

    This is one reason why old threads should not be locked.

    Back to the topic, I'm interested in having or opening a US bank account now, maybe later, I will.
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  • Profile picture of the author cooler1
    Is it really a $100 fee for cashing a US check in Germany? In the UK it's only around £10 for most banks.
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  • Profile picture of the author Dan Bainbridge
    It is possible! I am from the UK and have an American Bank account! Not just a bank account in the UK in $ currency, but a proper American bank account.

    I got rejected by Barclays, HSBC, and I forget, someone else.

    It took me 6 months of research and getting rejected and faxing things back and forwards. Eventually I got accepted by chase - look into them, they have a division which accepts foreign businesses. They will profile you, research you and require a LOT of documentation and signitures, but as long as you are totally above board they will accept you.

    A lot of the banks only accept BIG foreign businesses, but Chase have a setup where they allow small foreign businesses to open accounts IF they are above board... get in touch with them. CHASE BANK FOR THE WIN!
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  • Profile picture of the author Boricua
    Originally Posted by FlashDriveDT View Post

    I live in Germany and would like to have a US bank account so I can get my amazon.com payments quicker and cheaper. (Amazon doesn't offer paypal or anything similar) I've done some googling and there's many services that offer to open one but I'm pretty wary of these sites.
    http://www.google.com/search?q=open+...t+non-resident
    I'd rather do it directly with a bank, even if its a little tedious.

    So I would like to ask if there are any Warriors who live abroad and have succesfully opened a US account? Can anyone recommend a bank? Of course I'm looking for the easiest and most proficient application. What may come in handy for me is that I still have a valid US green card and even state ID (along with social security #). I could pretend that I'm still a resident and open a normal account but I don't want to lie. Besides, I'm sure the bank would need proof that I'm actually living in the states.

    Thanks for any feebdack!
    Little Secret...

    1) Online mail management including online postal mail, po boxes, mail forwarding and more | Earth Class Mail

    2) NetSpend Visa Prepaid Card Application - Apply Online (they give you bank account # and everything...)

    Mmm...wonder how many people got their Paypal Debit Card while currently leaving outside the United States

    This should solve your verification issues.
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  • Profile picture of the author seasoned
    Originally Posted by FlashDriveDT View Post

    I live in Germany and would like to have a US bank account so I can get my amazon.com payments quicker and cheaper. (Amazon doesn't offer paypal or anything similar) I've done some googling and there's many services that offer to open one but I'm pretty wary of these sites.
    http://www.google.com/search?q=open+...t+non-resident
    I'd rather do it directly with a bank, even if its a little tedious.

    So I would like to ask if there are any Warriors who live abroad and have succesfully opened a US account? Can anyone recommend a bank? Of course I'm looking for the easiest and most proficient application. What may come in handy for me is that I still have a valid US green card and even state ID (along with social security #). I could pretend that I'm still a resident and open a normal account but I don't want to lie. Besides, I'm sure the bank would need proof that I'm actually living in the states.

    Thanks for any feebdack!
    I was going to recommend something ALREADY recommended. Deutsche bank is a good choice. THEY, like most big national banks, etc... have a presence in the US. I'm of the understanding that they can deal with everything right down to conversion to euros in your account. They are a big bank, either do business with you or can validate your credit, can deal in both currencies, AND do business with both countries. So they would be my FIRST choice if I were you. They may EVEN be able to get you a US credit card.

    Steve
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  • Profile picture of the author vitminl
    It's pretty tough to open a US bank account if your a non resident, with the concerns about terrorism and money laundering at an all time high. Your better off just trying to use paypal or some other payment system, I'm not sure what payment services are available in Germany.
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  • Profile picture of the author Rukshan
    I have a USA virtual bank account from payoneer. It's so easy to get cash from paypal, CPA networks. I'm pretty sure that amazon will work with it. Don't buy crappy products called "how to get usa account". Get a payoneer card and try at least 3 payments from the vendor and ask a USA bank account from feedback@payoneer.com
    They will ask few questions and let you
    Signature

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  • Profile picture of the author IMHunter
    You can actually open a US Bank Account through Payoneer. Contact them and they will explain the whole thing.
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    • Profile picture of the author Nissim
      Originally Posted by IMHunter View Post

      You can actually open a US Bank Account through Payoneer. Contact them and they will explain the whole thing.
      Payoneer provides a US Payment Service, which allows non-US residents to receive US ACH/Direct Deposit transfers from select US corporations, directly to their Payoneer card. This service can be used to receive funds only, and not send transfers. All payments received are automatically loaded to the Payoneer card, which can be used worldwide where MasterCard is accepted.

      Application for the US Payment Service is open to all Payoneer cardholders, and is subject to approval by our US Payment Service department. To apply, simply contact our customer support department, or also feel free to PM me for further details.
      Signature

      Nissim
      Director of Community at Payoneer

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  • Profile picture of the author Alexa Smith
    Banned
    Originally Posted by bowerboy View Post

    I think there is a lot of misinformation on this thread.
    That's putting it mildly!

    But that's par for the course, on this subject. :rolleyes:
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  • Profile picture of the author braincandy7
    Try out Payoneer Affiliates..

    I just signed up with them. They offer a mastercard debit card with an online USD account which is accepted by lots of major affiliate networks. Amazon, paypal and Clickbank are who i will be using them for.
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    • Profile picture of the author dkovacec
      Originally Posted by braincandy7 View Post

      Try out Payoneer Affiliates..

      I just signed up with them. They offer a mastercard debit card with an online USD account which is accepted by lots of major affiliate networks. Amazon, paypal and Clickbank are who i will be using them for.
      I signed up with Payoneer also. I live in Slovenia (EU) and have almost decided to establish LLC in Delaware, but then found out about Payoneer recently so LLC will have to wait for now...
      I also described my story on Squidoo UpMarket.
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      • Profile picture of the author braincandy7
        Which part of Slovenia? I'm moving to Krsko on the eastern border next to Zagreb towards the end of the year.

        Originally Posted by dkovacec View Post

        I signed up with Payoneer also. I live in Slovenia (EU) and have almost decided to establish LLC in Delaware, but then found out about Payoneer recently so LLC will have to wait for now...
        I also described my story on Squidoo UpMarket.
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  • Profile picture of the author Richard Van
    Originally Posted by bowerboy View Post

    I think there is a lot of misinformation on this thread.

    I have operating bank accounts in 6 different countries (UK, Singapore, Australia, China, Hong Kong and Thailand) and in EVERY case I had to be present personally and needed proof of residence or proof of permission to work in that country (for my full time job I have lived in several countries so this has happened by accident more than by design)

    Furthermore in EVERY case I needed to provide utility bills that showed my address. I cannot possibly believe under any circumstances that it would be any different in USA.

    It may be possible for a company to open an account by proxy as described here but the rest I fear is misinformation.
    This^^^^^

    I do the IM for a company here that specialises in opening companies abroad. I just spoke to one of the sales people as they do this daily.

    If you have a company in a country outside the US, you can come to the company I do work for and they'll set up a company for you in the States.

    Then you can you apply for a US bank account.

    According to the chap I spoke to I couldn't do that as an individual and I couldn't do it with my company here. I'd need a company in the USA. I assume I also could if I was in the States working or living, as Bowerboy has pointed out.
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  • Profile picture of the author milla04
    I want to point out I have NEVER been to the US, but do intend on going in the future and I live in North London, UK.

    To open a bank account is quite simple, ONLY if you know how, the good news is the US wants more business grow in most states, in fact they encourage it. The point I am making is if you were to incorporate a business in the US would the banks be willing to finally listen..?

    Well, I will tell my store and hopefully you can see its possible, not impossible. I too was calling around in the US to try and find a bank that will accept my application over the phone and electronically, plus, asking if they would open a personal free checking account without a SSN and no history of me whatsoever, this was becoming impossible.

    Until, I read somewhere, the US states are desperate for economic grow for business. Then a light bulb went off.

    Why not form an LLC (where the tax, pass through rates will be less expensive) so i searched around and found New Mexico, this seems the state that is in direr need for more business because they will waive tax fees, ANY annual fees whatsoever, so I pay NOTHING in the US, however i still need to pay tax in the UK. Plus I still need to file in NM but i will be billed for nothing.

    So, I set up an LLC $300 with a street forwarding address and including registered agent (R.A) for one year and my EIN. I then contact afew more banks they asked to see me articles of incorporation, passport and I could send them a copy of my bank statement from my UK bank to proof my address and also to verify a relationship with my bank, if I were to try anything i.e fraud, the bank i was applying to would contact my bank in the UK and prosecute.

    I was fine about that. They sent Docs UPS to my home address in the UK, I read over everything and signed it sent it back (They paid for the return shipping,) 3 days later my account was opened, they sent my card to my US address and pin details and routing number and cheeking account nember, I just forwarded the mail.

    I know most people believe this is an impossible task but its not. Just to show I have a US debit business card (mastercard) here is a screenshot.

    2012-04-14_0921 - DarrenJM's library.

    MyUSBusiness.com helps to get the job done.

    Also, storecoach.com forum has been involved too check out the conversation.

    I hope this helps others around the world
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    • Profile picture of the author ajguille
      I have a payoneer card but I only can receive payments from 2checkout how I can receive payments from other companies. I dont have a company I am an affiliate.

      thanks
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      • Profile picture of the author Nissim
        Originally Posted by ajguille View Post

        I have a payoneer card but I only can receive payments from 2checkout how I can receive payments from other companies. I dont have a company I am an affiliate.

        thanks
        You can contact us and request to apply for our US Payment Service, which will allow you to receive US transfers from select corporations. Also feel free to send me a PM for further details.
        Signature

        Nissim
        Director of Community at Payoneer

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        • Profile picture of the author ajguille
          Thanks for the help
          I tried apply but I don't have a company. What I can do?
          Thanks
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        • Profile picture of the author Moneymaker2012
          Originally Posted by Nissim View Post

          You can contact us and request to apply for our US Payment Service, which will allow you to receive US transfers from select corporations. Also feel free to send me a PM for further details.
          Is payoneer Virtual bank a/c good to attach with paypal and receive payments by paypal?
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          • Profile picture of the author Nissim
            Originally Posted by Moneymaker2012 View Post

            Is payoneer Virtual bank a/c good to attach with paypal and receive payments by paypal?
            Yes, so long as you have the option of withdrawing from your PayPal account to a US account, you will be able to use the Payoneer US Payment Service to withdraw funds.
            Signature

            Nissim
            Director of Community at Payoneer

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            • Profile picture of the author sanrazak
              Hello everyone,

              I also got the same question here,
              I want make an ecommerce shopping website.
              I've talk to the suppliers but the need an LLC,US banking account,US mailing address, tax id before they can approved me. All of the suppliers are like that.

              I've conduct a research, to form LLC I can just go to legalzoom.com and if I want to get an ecommerce package I can go to globesamerica.com

              But when I search a review for globesamerica.com I found bad reviews about them. I nearly purchased their services!


              To get a corporate bank account opened one has to come to US to sign documents, is it true?


              Additional Details
              =============
              I'm in Malaysia and want to form LLC in USA. State Delaware.

              My requirements are as follows:
              1. LLC Formation
              2. EIN - Tax ID
              3. Company Bank acct (also merchant bank acct to accept online card payments)
              4. A registered agent
              5. US mailing address with electronic mailing services like scan, email, regular mail -
              Volume of mails will not be much though!
              6. Accounting, tax & returns reporting service.

              I read that to get an account opened one has to come to US to sign documents, is it true? This is my biggest concern.... please answer my question because I do not have visa


              If you guys can recommend me please let me know

              Best Regards
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  • Profile picture of the author braincandy7
    You don't need a company to open a Payoneer account ajguille.
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    • Profile picture of the author ajguille
      Thanks for the help
      when I tried to apply for the service they send me a form to partner whit payoneer you can send me the link for the service please
      Thanks
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  • Profile picture of the author braincandy7
    The only link i have is the link for the main site or m own affiliate link to the main site.

    I would suggest sending an email to David Stein on davist@payoneer.com or waiting for nissim to get back to you. But i think you may be confusing the different types of accounts with them.

    They have the standard debit card account which can be used with some affiliate networks and then the US Payment Service which is for companies like amazon who want to direct deposit into a us account. They link the two accounts together under the same card for you
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  • Profile picture of the author silverline
    Thank you guys. Very useful information. Been thinking of ways of opening a US account.
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    • Profile picture of the author Nissim
      It sounds like you're going to payoneer.com and selecting the "apply to be a partner" form. This is for companies looking to use our global payment solutions.

      You want to go to payoneer-affiliates.com and apply for a card there. I'll PM you a link.

      Also feel free to e-mail me at any time: nissimal@payoneer.com
      Signature

      Nissim
      Director of Community at Payoneer

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  • Profile picture of the author aaaa33030
    Here is what I did to open a U.S. Bank account as a non U.S. resident

    Travel to the United States legally
    Get a U.S. address
    Go to a U.S. bank
    Provide your passport and U.S. border pass
    Bank account opened

    I now have 2 bank of america accounts
    One checking and one savings


    Originally Posted by FlashDriveDT View Post

    I live in Germany and would like to have a US bank account so I can get my amazon.com payments quicker and cheaper. (Amazon doesn't offer paypal or anything similar) I've done some googling and there's many services that offer to open one but I'm pretty wary of these sites.
    open a US bank account non-resident - Google Search
    I'd rather do it directly with a bank, even if its a little tedious.

    So I would like to ask if there are any Warriors who live abroad and have succesfully opened a US account? Can anyone recommend a bank? Of course I'm looking for the easiest and most proficient application. What may come in handy for me is that I still have a valid US green card and even state ID (along with social security #). I could pretend that I'm still a resident and open a normal account but I don't want to lie. Besides, I'm sure the bank would need proof that I'm actually living in the states.

    Thanks for any feebdack!
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  • Profile picture of the author aaaa33030
    Another way of doing it is to get a U.S. address that will forward to you in Germany
    Apply with accountnow or visionprepaid using your social security number
    If approved they will mail you a bank account number and debit card
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  • Profile picture of the author TamilYoung
    Yeah, Amazon delays payment for those non US Residents. Having a US denominated account in our home country is a good solution I got here. Thanks Warriors. Let me have one!
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  • Profile picture of the author dkovacec
    Originally Posted by FlashDriveDT View Post

    So I would like to ask if there are any Warriors who live abroad and have succesfully opened a US account? Can anyone recommend a bank? Of course I'm looking for the easiest and most proficient application.

    Thanks for any feebdack!
    In summer 2011 I started publishing books on Kindle Desktop Publishing platform . Because I am from Slovenia (European country) , the only way of getting payed for the books I sold in the US is by check. A payment is carried out 60 days after the end of the month in which the sales have been made. At that time Amazon sends me a check in the mail. I carry this check to my local bank in Slovenia and have to wait for the check to clear. After some time( depending on the bank) the bank transfers funds to my personal account. They charge of course a commission, which again vary depending on the bank. Entire procedure takes some time, it can be months, so I searched for a better solution.
    Here it is :
    Payoneer offers a prepayed Mastercard US credit card. You can pay with this card on points of sale and withdraw money from ATMs across the globe. After you get a Payoneer credit card they invite you to the program called "US Payment Service" which is actually a virtual US bank account. You can't transfer money from this account(pay bills for instance), the only purpose of it is to get payments( from certain companies), and the money is automatically transferred to your Payoneer credit card.

    payoneer-affiliates dot com
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  • Profile picture of the author Nash360
    Can the payoneer "US Payment Service" works for Amazon seller? They need a U.S account. Thanks
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    • Profile picture of the author Nissim
      Originally Posted by Nash360 View Post

      Can the payoneer "US Payment Service" works for Amazon seller? They need a U.S account. Thanks
      As mentioned above, you can indeed use the US Payment Service to receive payments from Amazon. Payoneer provides you with a US account/routing number that can receive funds only, and all payments received are then loaded directly to your Payoneer card. A list of additional approved senders for the service can be found here.
      Signature

      Nissim
      Director of Community at Payoneer

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      • Profile picture of the author getupthere
        Originally Posted by Nissim View Post

        As mentioned above, you can indeed use the US Payment Service to receive payments from Amazon. Payoneer provides you with a US account/routing number that can receive funds only, and all payments received are then loaded directly to your Payoneer card. A list of additional approved senders for the service can be found here.
        Hi Nissim,

        I asked Payoneer about this back in January and got this response:

        "Thank you for your email.

        Unfortunately there is no option to receive funds directly from a US bank account to an international payoneer card."

        So it seems I can't get that US account/routing number as you suggest. Or am I asking the wrong question?

        Regards,

        Greg
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        • Profile picture of the author Gaz Cooper
          Originally Posted by getupthere View Post

          Hi Nissim,

          I asked Payoneer about this back in January and got this response:

          "Thank you for your email.

          Unfortunately there is no option to receive funds directly from a US bank account to an international payoneer card."

          So it seems I can't get that US account/routing number as you suggest. Or am I asking the wrong question?

          Regards,

          Greg
          Hey Greg

          What you cannot do is send money from one bank to another using your Payoneer bank account it is ONLY for receiving funds from the approved networks such as Amazon paypal Plimus clickbank etc.

          It works great been a customer a while now

          Kickin it on Amazon

          Gaz Cooper
          Amz Training Academy
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        • Profile picture of the author Nissim
          Originally Posted by getupthere View Post

          Hi Nissim,

          I asked Payoneer about this back in January and got this response:

          "Thank you for your email.

          Unfortunately there is no option to receive funds directly from a US bank account to an international payoneer card."

          So it seems I can't get that US account/routing number as you suggest. Or am I asking the wrong question?

          Regards,

          Greg
          Hi Greg,

          As mentioned by Gaz, it sounds like customer support confused your question with general transfers from a US bank account to the Payoneer card. The US Payment Service provides you with a US account/routing number linked to your card, which can be used to receive funds only (from select corporations). All funds received are then loaded to your Payoneer card.

          If you'd like to contact me directly (via PM or e-mail) I'd be more than happy to assist you in getting set up with our US Payment Service.
          Signature

          Nissim
          Director of Community at Payoneer

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  • Profile picture of the author braincandy7
    Yes it works for Amazon associates. I have been using them for a while now.
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  • Profile picture of the author mikemeth
    I think the best solution is to go there by yourself. Book 2 weeks apartment in some us city, go to back open account provide information and address of your apartment, then they will send you all the papers to that apartment and you are good to go.
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  • Profile picture of the author cooler1
    Payoneer sounds good initially, but it's even more expensive than recieving checks so it doesn't seem worth it.

    There is a $29.95 annual card maintainence fee plus you have to pay 1% on each transfer and pay $3.15 for a cash withdrawel. So if you earn $10,000 a year, you need to pay $129.95 in fees and that isn't even including the cost of cash withdrawels. It's cheaper to recieve checks, if you opt to not recieve them monthly.
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  • Profile picture of the author Nissim
    May countries apply processing fees to cash checks, and in general the payment method is far less convenient than electronic fund transfers.

    Of course, no one payment method is the best for everyone, and you should choose the payment method that best suits your specific needs.
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    Nissim
    Director of Community at Payoneer

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  • Profile picture of the author ScooterDaMan
    Usually, you'll have a very tough time getting a US bank account without residency or without establishing a US business identity. I have not used them (I live in the US), but I have heard very good things about myusbusiness.com.
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  • Profile picture of the author Lightlysalted
    I'm in the UK and I get my payments very quickly. I'm surpised that Germany isn't equally as quick.
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  • Profile picture of the author anthony2
    Originally Posted by FlashDriveDT View Post

    I live in Germany and would like to have a US bank account so I can get my amazon.com payments quicker and cheaper. (Amazon doesn't offer paypal or anything similar) I've done some googling and there's many services that offer to open one but I'm pretty wary of these sites.
    http://www.google.com/search?q=open+...t+non-resident
    I'd rather do it directly with a bank, even if its a little tedious.

    So I would like to ask if there are any Warriors who live abroad and have succesfully opened a US account? Can anyone recommend a bank? Of course I'm looking for the easiest and most proficient application. What may come in handy for me is that I still have a valid US green card and even state ID (along with social security #). I could pretend that I'm still a resident and open a normal account but I don't want to lie. Besides, I'm sure the bank would need proof that I'm actually living in the states.

    Thanks for any feebdack!
    It was mentioned in previous post about....if you have a family member
    in the U.S then you can use them to help you open up a bank account.
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  • Profile picture of the author Thomas W
    this is very simple and not complicated to do. You still need a good US contact to help you do this.

    1. Get a UPS store Address in any of the 50 states
    2. Get a US phone number from like Google Voice
    3. You will need is what they call a "Registered Agent" to help you register your business
    to any one of the 50 states.
    4. Someone from the US will need to get your an EIN tax number

    A US person will take those Articles of Incorporation papers, EIN number and open up a bank account on your behalf.

    I personally opened up many businesses on behalf of people. PM if you still need any help or questions
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    • Profile picture of the author dkovacec
      Originally Posted by Thomas W View Post

      A US person will take those Articles of Incorporation papers, EIN number and open up a bank account on your behalf.
      I am from Europe and have just formed an LLC in Delaware with my friend . We already have Registered Agent and ITIN, just need to open a bank account.
      It would be very expensive for us to take a trip to US .
      Is it possible to get a business bank account in the US without traveling to the US ?
      We have a friend in Massachusetts, he could help us, but he is not a US resident also.
      Which are the right banks to contact ?
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  • Profile picture of the author milla04
    If you dont know what banks to apply to and more importantly have the right documents such as US address, you will have a very tough tough time. I have opened bank accounts for many people because I have a system in place for my business.
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