🏦 Business Setup · Open Anywhere in America
Open Your Business Bank Account
A dedicated business bank account is part of your fundability foundation — underwriters and bureaus expect the business to look real and consistent. Open one on your EIN, keep 60+ days of activity, and you're ready for business cards and no-doc funding.
🧠 C3 Intelligence — no personal-credit check to open: these accounts open on your EIN and business documents. Opening the account itself doesn't depend on your personal score.
Where to open
Mercury first for nationwide online access; add a major bank for the relationship that leads to high-limit business cards.
Mercury
No-fee online business banking, open in all 50 states. Same-day open, free wires. The fastest way to a real business account on your EIN.
mercury.com ↗
Chase Business
Best for relationship-building toward high-limit Chase Ink business cards. Strong branch network and premium ecosystem.
chase.com/business ↗
Bank of America Business
Strong on its customized cash-rewards business card after about 90 days of deposit seasoning.
bankofamerica.com/smallbusiness ↗
Ameris Bank
Southeast-US regional bank, aggressive on SBA-friendly lending. High approval if you hold a southeast LLC + in-state business address.
amerisbank.com ↗
📍 Out-of-State Bank Access — Foreign-LLC Strategy
- Use a registered agent in your target state (e.g. Georgia) for the legal address.
- Get a virtual office address via iPostal1 ($9.99–$19.99/mo) — a real in-state street address for documents that won't accept a registered-agent address.
- Open the account using the foreign LLC + iPostal1 address. SBA eligibility extends nationwide once you have a state-registered entity with an in-state physical address.
- Regional banks like Ameris (Southeast-only natively) can then serve you remotely.
Your next step
With banking open, the business track moves to Net 30 vendor accounts to start reporting tradelines.
Bank availability, fees, and eligibility vary — verify current terms on each bank's site.