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Open Your Business

Bank Account

from anywhere. with our banking experts.

We help you with remote opening of your U.S. business bank account until you get approved.

✭✭✭✭✭ 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.

Guaranteed Bank Account Service

Successfully passing a USA bank’s due diligence process is the key to getting approved for a USA bank account. We guarantee you will pass the due diligence process and get approved.
 

Opening Bank Accounts
Since 2004

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:

Big Banks

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!

Remote Opening

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!

Image by Ben White

✭✭✭✭✭ (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

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✭✭✭✭✭ (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 
 

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TAXUSA

What are the features of the account?

Online banking

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

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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.

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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.

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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.

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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.

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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.

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Industries that may cause our banking partners to raise an eyebrow

Some of our banking partners have a list of activities that are forbidden or limited. If your business is engaged with one or more activities from the list below, you may find it difficult to open a bank account.

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What are Restricted Countries?

Any country or geographic territory subject to extensive economic sanctions imposed by OFAC or the EU, such as Cuba, Iran, North Korea, Sudan, Syria, and Ukraine's Crimea region, is referred to as a Restricted Country.

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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.

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How do I start?

If you already have a U.S Company (Certificate of Organization  / Incorporation) & EIN Confirmation Letter you can apply here:

If you don't have a U.S. Company you can apply here:

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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). 

3Point0.co

We guarantee you will pass the due diligence process and get approved.

Alternatives

In other platforms -  can you get live support 24/7 from a dedicated banking expert?

No Guarantee

Options & Pricing

Already Incorporated?

Bank Account {3.0}
Guaranteed Bank Account Service

$

499

One-Time-Fee. 

Available to all States

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Already have a U.S. Company and EIN (Tax ID Number)? Want to open a U.S. bank account?
Add our Guaranteed Bank Account Service to make sure you get your bank account approved.

Successfully passing a USA bank’s due diligence process is the key to getting approved for a USA bank account. You can always try to open an account yourself. It’s free! But:

If you try to open the account yourself - you risk rejection because you are not familiar with the USA banking laws and don’t know what exactly the bank is looking for in order to approve your application for a new account.

That’s what we do for you. We guarantee you will pass the due diligence process and get approved. 

How we do that ? 
1. 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.

2. We advise you what should be on your website - which exact information the back wants to see there so you  will be approved.

3. We help you apply for a USA bank account - we go with you Line by line over the application until it is complete.

4. We follow up with the bank to expedite your application and have it approved.

5. After the account is approved- we help you set up your account and debit card.

6. We make sure your card is sent out to your home country address.

7. We help with ongoing questions.

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Not Incorporated?

✭✭✭✭✭ 4.9 / 5.0
All-Inclusive

Company Formation Solution

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