US Bank Accounts
Ways to hold and receive US dollars as a non-resident — from multi-currency fintech to brokerages and in-branch bank accounts.
7 guides
Choosing a USD Account as a Non-Resident Compare Wise, Payoneer, IBKR, Schwab International, in-branch US banks and Mercury: who each suits, what they need, and country limits. Wise USD Account for Non-Residents How to get Wise USD account details (ACH and wire) without an SSN, what it costs, which countries are excluded, and how to avoid freezes. Payoneer US Receiving Account How Payoneer's USD receiving account works for freelancers and cross-border sellers, full fee table, application steps, and common reasons for account holds. Interactive Brokers as a USD Account Using IBKR to hold USD as a non-resident: W-8BEN, funding and withdrawal fees, cards, mainland China rules and the US estate-tax trap. 
Charles Schwab International Account Opening a Schwab One International account as a non-resident with no minimum: documents, W-8BEN, wire funding and mainland China notes. 
Opening a US Bank Account in Person Opening a checking account at Chase, Bank of America or Citi during a US visit: documents, the branch process, and keeping it alive afterwards. 
Mercury and US Business Banking for Foreign-Owned LLCs Mercury, Relay or Wise Business for a foreign-owned US LLC: eligibility, documents, 2026 prohibited countries and why applications fail.