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How to Open a Mercury Bank Account as a Non-Resident

This article outlines the requirements and steps to successfully open a Mercury bank account as a non-resident.

Requirements to Open a Mercury Bank Account

To open a Mercury bank account as a non-resident, you will need the following documents:

  • Company Formation Documents: This includes the Articles of Organization for your LLC.
  • EIN Confirmation Letter: You must have your official IRS EIN letter (CP 575 or 147C).
  • Identification: A valid international passport or government-issued ID.
  • Proof of Address: This can be a utility bill or lease agreement in your name or your LLC’s name, dated within the last 3 months.
  • Bank Statements or Revenue Receipts: If available, these documents help meet federal banking regulations and verification standards.
Steps to Open a Mercury Bank Account
  1. Prepare Your Documents: Ensure you have all the required documents ready, including your EIN confirmation letter and proof of address.
  2. Log in to Your Doola Dashboard: Access your dashboard where you can start the application process.
  3. Initiate the Application:
    • Find the Mercury card on the Home tab and click "Continue" to begin the application.
    • Review the pre-filled company information and proceed to Mercury’s verification process.
    • You can also access the Mercury Bank Application here
  4. Complete the Application:
    • Fill in all required fields, including company info (name, business description, operating address, etc.).
    • Provide personal details for founders/owners (legal name, date of birth, residential address, ownership percentages).
    • Complete identity verification by submitting a government-issued ID and a selfie.
    • Specify expected transactions and source of funds.
  5. Submit Your Application: After completing all steps, submit your application for review.
  6. Verification Process: Mercury typically completes verification within 1–3 business days. Keep an eye on your email (including spam folders) for updates.
Additional Information
  • Address Requirements: You can use your local address in your home country for verification. However, Mercury will require proof of this address.
  • Phone Number: A phone number capable of receiving verification codes is necessary. If you need a U.S. number, consider using a service like OpenPhone, which connects a U.S. number to your local phone.
  • Final Decision: Mercury reviews all submissions at their discretion, and the final decision on account approval rests with them.
Conclusion

Opening a Mercury bank account as a non-resident involves preparing specific documentation and following a structured application process. Ensure that all information provided is accurate and consistent to facilitate a smooth verification process. If you have further questions or need assistance, consider reaching out to customer support for guidance.