✭✭✭✭✭ 4.9 / 5.0
We Get You Approved
⬈🚀 We assign a banking expert to your business in order to review all your incorporation documents, EIN, website, social media accounts and all other required information.
⬈🚀 We advise you what should be on your website - which exact information the bank wants to see there so you will be approved.
⬈🚀 We help you apply for a USA bank account - we go with you Line by line over the application until it is complete.
⬈🚀 We follow up with the bank to expedite your application and have it approved.
⬈🚀 After the account is approved - we help you set up your account and debit card.
⬈🚀 We make sure your card is sent out to your home country address.
⬈🚀 We help with ongoing questions.
Opening Bank Accounts
3PointO.co is part of TAXUSA – a leading U.S. incorporation & taxation firm established in 2004. TAXUSA has helped over 200,000 founders, business owners and tax payers over the last 18 years.
We launched 3PointO.co to enable our Non-U.S. Resident customers enjoy a productive and stress-free experience with their bank account opening process.
Which banks are available for non-us-residents?
There are 2 options:
Bank of America, Chase, Wells Fargo and more. they require the owner to identify in person and sign account documents at the bank in the USA. So if you can travel to the USA - that is a great option!
There are only 4 banks in the USA that allow non residents to open account remotely without traveling to the USA
We work with all 4!!! Great option to open your bank account from anywhere.
Banking Experts Preparing Your Business
We will prepare your business for the bank's due diligence requirements. Unlimited live sessions with our banking experts until you get approved by the bank and your account is opened!
✭✭✭✭✭ (5.0 / 5.0)
Great Service. Way above all other alternatives. Perfect match to founders like us :)
All other platforms just link you to the bank's website so you can apply on your own. The team at 3PointO.co makes sure you get approved! They were amazing, patient and professional.
Adam & Monique Lhuillier (Canada)
Date of experience: September 05, 2022
✭✭✭✭✭ (5.0 / 5.0)
Thank you for getting my bank account approved in 6 days. 3PointO - you are my super hero :)
It was an amazing experience going through the incorporation process with you guys. The best part was the stress-free bank account application with your banking experts. Big thank you!
Daniel Castro (Argentina)
Date of experience: October 06, 2022
We only work with banks in the United States with USA banking license.
We are official partners of many U.S. banks that:
• Allow U.S residents and non U.S. residents to open business accounts without travelling to the U.S., instead open accounts online and complete the entire onboarding process without visiting the bank in the U.S.
• Insured by The Federally Insured Cash Account (FICA)
• Offer complete and powerful online banking allowing the owners of the account to operate the account from anywhere in the world using online banking website and / or mobile banking app.
• Offer visa or Mastercard debit card which can be used online and / or offline in any place that accepts cards
Important notes :
1. The banks we work with are fine for annual sales of 100,000,000$ or less
If you have more than $100,000,000 in annual sales - you should open more than one account ;
You can start with ours and then later open second account yourself by traveling to the USA in person
And last thing ;
2. All the banks we work with include ACH credits and debits . This is the USA system for bank to bank domestic transfer .
Amazon / eBay / Etsy / Shopify : they all accept it and they all work with the same ACH system
What are the features of the account?
Below you can find estimated fees for different banking items.
The actual fees may varies by bank:
• Account opening : Free
• Minimum deposit: $0
• Monthly fees: $0
• Overdraft fees: $0
• Checking account
• Savings account
• Debit Card $1,000 daily
• Incoming & Outgoing ACH : Free
• Checks: Free
• Domestic wires : $0 - $10
• Outgoing International wires: $20-$30
• Incoming International wires: Free
Frequently Asked Questions
Can I manage the account online?
Yes! All the banks we work with, offer extremely powerful online banking including web and smartphone apps. You will be able to operate the account from anywhere in the world: check balance, send funds pay bills, make deposits, download statements and more.
Do I need to have a social security number or ITIN to open my bank account?
No. You don't to have a social security number or ITIN to open my bank account. Our banking partners and affiliates enable to open the account - without having social security number or ITIN. You will need to provide a copy of your valid passport as a form of identity proof.
Do I need to be physically in the U.S. to open my bank account?
No. You will not need to be physically in the U.S. to open your bank account.
Our banking partners and affiliates enable to open the account - online without travelling to the U.S.
Do I need a website for my business to open the bank account?
Yes, you need to have a website for your business to show the bank. We will prepare your website for the bank's due diligence requirements.
Which documents do you need from me?
If you are a Non U.S. Resident (meaning you live outside the United States) we will need from you a copy of a valid passport from a Non restricted country* and a proof of address.
If you are a U.S. Resident or a U.S. Citizen we will need from you a copy of a valid driving license , valid passport from a Non restricted country* or any other government issued photo ID.
Do you help me to open my bank account and get approved?
Yes, we do help you to open your bank account and get approved. We assign a banking expert to your business in order to review all your incorporation documents, EIN, website , social media accounts and all other required information. Your dedicated banking expert will support you along the way until you have successfully opened your bank account. After the account is approved - we help you set up your account and debit card.
How long it takes to open a U.S. business bank account?
It takes about 7-14 business days to review all of your information, prepare any additional required documents, submit the application to the bank and follow up with the bank's new account department until they approve the account.
Your Bank Account is Approved
3Point0.co invests a lot of resources in each customer during the bank account opening process. We assign you a dedicated banking expert to prepare your business and support you until your account is approved by the bank. 😀💪
Comparing us to other alternatives? Before choosing your platform - check if they only give you a link to the bank's website or actually help you get approved with real-human-banking-experts (not bots).
We guarantee you will pass the due diligence process and get approved.
In other platforms - can you get live support 24/7 from a dedicated banking expert?