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OPEN A BUSINESS BANK ACCOUNT IN DELAWARE ONLINE |
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How to Start a Business in the U.S. as a Foreigner
Starting a U.S.-based business as a foreigner can be a long road, but the country makes it easy to register your company and open your business. Learning English is a basic requirement if you plan on doing business with Americans, but other aspects such as filing for your Employer Identification Number (EIN), and choosing which type of company you want to be, can make matters more confusing.
Choose Your Company Structure
Most foreign nationals, says Schwartz International tax advisor and lawyer Richard Hartnig, choose to establish a C corporation, which can expand by offering unlimited stock and is typically more attractive to outside investors, even though its profits are taxed twice, first at the corporate level, and then as dividends to shareholders.
For corporate shareholders, the advantages are usually clear: Corporate shareholders typically qualify for a lower dividend rate. And so long as the U.S. company doesn’t primarily hold real estate, the corporate parent won’t pay capital gains when it sells the U.S. affiliate. Even individual foreign owners are probably best off with a C corporation, says Hartnig, since the structure will shield them from direct IRS scrutiny. “Foreign individuals are very, very hesitant to put their names on the U.S. tax rolls,” he says.
Of course, C corporation owners pay more for that shield as a result of the double tax. But in many cases, tax planners can use salaries, pension costs, and other expenses to reduce corporate income and eliminate much of the double taxation.
All that said, in some cases–usually depending on the particulars of one’s native tax laws–a limited partnership may be the best business structure. In a limited partnership, partners without management control have limited liability, and profits are passed through to the members, who pay income tax on their individual tax return.
Choose a State to Register Your Company In
The company’s business should determine where it locates. If one state dominates its market, it’s best off incorporating there–there’s no way to avoid obligations of doing business in, say, California, a famously high-cost jurisdiction, by registering in Nevada or Delaware, two famously low-burden states. On the other hand, if the business will not be concentrated in any particular state, most advisors will probably recommend Delaware incorporation, followed by Nevada.
This is in part because of Delaware’s “flexible” corporate law that offers generous protections to shareholders and directors, and also due to its outsider-friendly rules. (Besides not requiring either a local physical address or bank account, Delaware makes its corporate law website available in 10 languages.) It’s also, at least in part, a matter of inertia: Tax advisors are so familiar with Delaware’s welcoming ways that many haven’t bothered to learn the requirements of more far-flung states.
Register
The forms and other requirements for forming a business entity vary somewhat by state. Here’s how incorporation works in Delaware, which serves as a simplified model for many states:
- The company principals choose a unique name.
- They select a registered agent that is able to receive legal documents for the company. (A company with a physical address in the state can serve as its own agent, but this is not true in other states, like California.)
- The company fills out a one-page certificate of incorporation that identifies the corporate name, the name and address of its registered agent, the total amount and par value of the shares the corporation is authorized to issue, and the name and mailing address of the incorporator. Fees start at $89 and increase principally based on the amount of stock issued or capital raised.
Once the business is incorporated, it must file a report ($50) and pay franchise tax (from $175) annually. Though many online services exist to help with entity formation for a separate fee that can reach several hundred dollars, the paperwork is generally fairly straightforward, and states (usually through their secretary of state) normally provide guidance online to help individuals file the proper paperwork.
Obtain an Employer Identification Number
An Employer Identification Number (EIN) is necessary not just to hire workers but to open a bank account, pay taxes, or often to get a business license. Apply for the EIN for free directly with the IRS, and avoid the many online services with government-sounding internet addresses that charge for this service. But unless the U.S. company’s principal officer (who the IRS calls the “responsible party”) has already obtained a separate Taxpayer Identification Number from the agency, it can’t apply for an EIN online–it must apply by mail or FAX, and where the form asks for the Taxpayer Identification Number, enter “foreign/none.”
Once you have obtained an EIN, you should consider comparison shopping to find a business bank account that fulfills your specific needs. Some key factors to review include rewards, access to brick-and-mortar and online services, the convenience of making cash deposits, and the ability to earn attractive interest rates on your deposits.
The Bottom Line
In most cases, foreigners with business or investments in the United States should set up a domestic corporation. Consult with experts on tax law in both your home country and the U.S. before taking the plunge, as the rules for foreign nationals can be more complex than if you were a citizen.
Starting an LLC in Delaware is Easy
You can start a Delaware LLC online by registering the Certificate of Formation with the Department of State. The cost to create an LLC in Delaware is $90.
Follow our How to Form an LLC in Delaware guide below to get started.
Step 1: Create A Name For Your Delaware LLC
Before you register your LLC, you'll need to come up with a name. Your business name needs to be catchy for branding purposes and legitimate for legal purposes.
We go into depth on this topic in our LLC naming guide. We’ll go over the basics below.
Naming Your LLC
First, brainstorm some possibilities. Use our LLC name generator to get the ideas flowing.
Next, make sure your name meets Delaware guidelines:
- it contains the words limited liability company, limited company, LLC, or L.L.C.
- it doesn't contain restricted words that suggest your business is a government office, a doctor's office, a law firm, or bank
- it's distinguishable from any other entity or trade name registered in Delaware
- full list of Delaware naming guidelines
Next, do a Delaware LLC name search with the Department of State to find out if your name is available in Delaware.
If your business name is available and meets guidelines, you’ll be able to register it when you file your Certificate of Formation with the Department of State.
Is the URL available? Before you commit 100% to a name, check to see if there’s a good web domain available.
We recommend buying your domain right away because even if launching a business website isn’t on your radar right now, it will be soon.
Once you register a domain name for your LLC, consider setting up a business phone system to establish credibility and enhance your customer service. Nextiva provides a plethora of useful features and a quick, easy setup. Try Nextiva.
Step 2: Appoint A Delaware Registered Agent
When you file your Certificate of Formation, you'll need to list a registered agent.
A registered agent's job is to accept legal documents like service of process and tax notices for your LLC.
Your registered agent can be a person or a registered agent service. You can act as your own registered agent, but many business owners choose to use a registered agent service.
Here are a few things to think about before you decide to act as your own registered agent:
- You’ll need to be available during normal (9 am - 5 pm) business hours at the address you provide
- If you run your business from home, you’ll have to make your personal address public
- You could be served with a lawsuit in front of your family or coworkers
Step 3: File the Certificate Of Formation
It’s time to officially form your LLC by filing your Certificate of Formation with the Delaware Department of State.
You'll need to fill-out the Certificate of Formation form and upload it online. You can also mail it in. The filing fee is $90.
Recommended: Now is a good time to decide if your LLC will be member-managed vs manager-managed.
You'll need to know the following information to complete the form:
- Entity Name
- Registered Agent Name and Registered Office Address
For more detailed help with completing the form, visit our Delaware Articles of Organization guide.
Mail Your Articles of Organization:
Send the form and payment (payable to the Department of State) to:
Delaware Division of Corporations
401 Federal Street
Suite 4
Dover, DE 19901
How long does it take to get an LLC approved? Typical processing time is 10 to 15 business days, but you can expedite the processing for an additional fee.
Step 4: Create A Delaware LLC Operating Agreement
Creating a DelawareLLC operating agreement is the only way to legally lock down your LLC’s management and ownership structure. Having this document in place will give you something to return to if a dispute or lawsuit arises.
Even single-member LLCs benefit from having an operating agreement.
Your operating agreement should outline the following:
- Each member’s responsibilities
- How new members will be admitted
- How existing members may transfer or terminate their membership
- How profits and dividends will be distributed
You can add as many provisions as you want, as long as they don't conflict with Delaware business law. Take a look at our What is an Operating Agreement guide to learn more.
Download a template or create a custom Free Operating Agreement using our tool.
Step 5: Obtain An EIN (Employer Identification Number) For Your LLC
An Employer Identification Number (EIN) is like a Social Security number (SSN) for your company. The IRS and the state of Delaware will use this number to track your business activity.
Your EIN will come in handy when it’s time to:
- Open a business bank account
- File Federal and State taxes
- Hire employees
The best way to get an EIN for your LLC in Delaware is by using the free online application on the IRS website.
Read our Get an EIN guide for instructions.
Steps After Forming an LLC
After forming your LLC, it's important to:
Need Help Forming an LLC?
Read our Best LLC Services review to learn more about pricing and packages.
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Online and from the mobile app, it’s easy to send and receive money between almost any U.S.-based bank accounts. Just enroll with your email or U.S. mobile number and you’re ready to go.
- It’s easy to use. Send to friends, family and people you trust with a bank account in the U.S.
Zelle enrollment is required with a U.S.-based bank account and a U.S. mobile number or email address.
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Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.
Zelle enrollment is required with a U.S.-based bank account and a U.S. mobile number or email address. Voice over IP (VOIP), prepaid mobile phone numbers, landlines and Google voice numbers are not eligible for Zelle enrollment. Message and data charges from your carrier may apply. Transaction limitations may apply.
To use Zelle with Discover, an account center registered Discover checking, savings, or money market account is required. Discover and Zelle do not offer a protection program for any authorized payments made with Zelle.
- You’re protected. We won’t share any of your bank account information with your recipient.
- No fees. Whether you’re sending or receiving, Discover doesn’t charge any fees to use Zelle.
See Zelle FAQs
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1 (800) 347-7000 Click here to Call us at5 Online Banking Myths Debunked
Put your online banking knowledge to the test and see if you've fallen for one of these common myths.
“If you can manage your traditional bank’s account online via its website or app, you can manage an online-only account. It’s the same basic experience.”
– Miguel A. Suro, founder of financial blog The Rich Miser
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What is Zero-Sum Budgeting and Can It Work for You?
If you want a thorough budget that will put every dollar to work for you, zero-sum budgeting might be the answer.
Choosing a budgeting system is a lot like choosing the right approach to rehabbing or remodeling your home. You might spend months looking for the right contractor or figuring out how to do it yourself. The zero-sum budget, also known as the zero-based budget, can provide a holistic solution to revamping your finances.
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What Happens to Mortgage Rates When the Fed Cuts Rates?
Your guide to understanding how a Fed rate cut could impact your mortgage as a homeowner or prospective buyer.*
*This should not be considered tax or investment advice. Please consult a financial planner or tax advisor if you have questions.“If the Fed drops its rate during the adjustment period, you could see your interest rate go down and, in turn, see lower monthly payments.”
– Emily Stroud, financial advisor and founder of Stroud Financial Management
Read full article
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Do I Need to Set Up a Delaware LLC or Corporation Bank Account?
How to Open a Bank Account for Non-U.S. Residents
We get asked all the time to help people set up a U.S. bank account in Delaware. If you are not a U.S. resident, it is possible to set up a bank account in America, but it is not easy. Most banks will want you to come to their branch in person. If at all possible, we recommend just setting up a PayPal account, Google checkout account, or bank account in your home country. There are banks that do this service for their clients, but you really have to get a good banker that is willing to work with you!
We recommend national banks like Wells Fargo, Chase, HSBC, or Citibank. Often we hear HSBC is the easiest for people because they have worldwide locations and you can go into a bank closer to where you are, instead of flying into America just to set up a US bank account for your Delaware LLC or Delaware corporation.
Please don’t get duped by services offering to set up a US bank account for you. There’s absolutely no way for some incorporation service to set up a Delaware LLC or Delaware corporation bank account for you, without you doing most the work! You will more than likely pay for their “Guidance” and they’ll just give you a whole bunch of crappy paperwork for you to fill out and let you deal with a banker that will want you to fly to America and meet with them in person.
When we form the company for you, we will have a filed certificate of formation or certificate of incorporation for you, initial resolutions, and an LLC operating agreement or corporate bylaws in your online account at all times. If the bank requires you to show a certificate of good standing, we can order that for you, or you can get it yourself at: Delaware Certificate of Good Standing.
If you are truly going to fly to the U.S. and open a U.S. bank account for your Delaware company, we recommend buying the optional certified copy and certificate of good standing on our incorporation order form, just in case you get a grumpy banker that is being difficult with you. Then you’re not calling us last minute and overpaying for us to get these documents for you last minute.
If you need to put down our address for the bank account address, that is fine, but we legally cannot forward you a physical debit or credit card without a physical mail forwarding option, such as the one we offer in our Delaware virtual office service for $50 a month. We really do not want to upsell you something…that’s not our goal. It is an option if you do need it, but most of our clients do not need to pay us anything else besides $45 a year to act as their Delaware registered agent.
8 Best Business Bank Account Promotions & Offers – November 2021
Most of the best bank account promotions on the market right now cater exclusively to consumers. Indeed, many of the United States’ best online banks seem to favor personal account holders rather than business owners.
But not all banks give business owners short shrift. If you’re a small-business owner, solopreneur, or freelancer, you just need to know where to look to find potentially lucrative credit union and bank account bonuses and referral opportunities.
Let this list guide you to entrepreneur-friendly banks and credit unions hungry enough for your business to pay you for it.
Best Business Bank Account Bonuses (November 2021)
These are the best business bank promotions this month. Unless otherwise noted, all are available to businesses of all sizes, including sole proprietors and freelancers without formal incorporation.
However, business checking and savings accounts impose minimum balance requirements, monthly maintenance fees, and other requirements or restrictions that can impact their suitability.
And all accounts must be open and in good standing when the bonus is paid.
1. Chase Business Complete Banking (Chase Business Complete Checking) – $300 Bonus

A very attractive offer awaits Chase-curious entrepreneurs, including sole proprietors new to Chase Business Complete Banking: $300 for newChase Business Complete Checking customers who open an account online or in-person and complete qualifying activities. This offer is valid through Jan. 20, 2022.
It’s not difficult to qualify for this opportunity. All you need to do is open a new Chase Business Complete Checking account with qualifying activities (described at the link above).
No minimum opening deposit is required. Once your Chase business checking account is open, you’ll have multiple ways to waive the $15 monthly service fee.
Chase has ATMs and branches in the following states: AZ, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, KY, LA, MA, MI, NV, NJ, NY, OH, OK, OR, TX, UT, WA, WV, WI. This offer is available online nationwide, except for residents of AK, HI, and Puerto Rico.
Apply Now
2. Axos Bank Basic Business Checking — $100 Cash Bonus

Open a newAxos Bank Basic Business Checking account by the offer end date using the promo code “EARN100” to earn a $100 welcome bonus. Here’s how it works:
- Apply for your new Axos Bank Basic Business Checking account by the offer end date with a minimum opening deposit of $1,000.
- Maintain an average daily balance of at least $5,000 during the first three months (new funds only).
- You’ll receive your $100 cash bonus in your new checking account within five business days of your third statement cycle date.
This is a truly free business checking account with great perks for account holders.
For more information, read our Axos Bank review.
Learn More
3. Brex Cash — Up to 50,000 Bonus Points

Open a newBrex Cash account and spend $3,500 in purchases within 30 days to earn 30,000 bonus points. Or spend $9,000 in purchases within 30 days to earn 50,000 bonus points — it’s up to you.
This is a truly fee-free business account that earns cash back on eligible purchases. So, you can look forward to no account fees or minimum daily balance requirements, a generous ongoing rewards program, and value-added perks worth $150,000.
Learn More
*Brex Treasury LLC is not a bank; Brex Cash is not a bank account.
4. NorthOne Business Banking (NorthOne Deposit Account)

Open a newNorthOne Business Banking account (NorthOne deposit account) to take advantage of a limited-time bonus opportunity available exclusively to Money Crashers readers: one month of free business banking.
That’s a $10 value — NorthOne’s customary monthly maintenance fee for business banking customers. To get the bonus, simply open your account using the link above or below.
This offer expires April 26, 2022. It’s valid only for new customers who haven’t been approved for a NorthOne deposit account in the past 48 months. The account maintenance fee waiver doesn’t apply to other fees NorthOne may charge, such as overdraft, insufficient funds fees, and wire transfer fees.
Learn More
5. Huntington Unlimited Plus Business Checking — $750 Bonus Cash

Through March 7, 2022, you can earn a bonus worth $750 when you open a new Huntington Bank Unlimited Plus Business Checking account and complete qualifying activities. Here’s how it works:
- Open a new Unlimited Plus Business Checking account between Nov. 1, 2021, and March 7, 2022
- Make cumulative new money deposits of at least $20,000 within 60 days of account opening
- Keep your account open for a minimum of 90 days
After completing these qualifying activities, you should receive your $750 bonus in your account within 14 business days.
Moving forward, enjoy these great Unlimited Plus Business Checking benefits:
- Unlimited transactions§ and up to $25,000 in cash or currency deposits monthly in-branch or at an ATM at no charge; $0.30 fee for each $100 after
- Waived monthly maintenance fee with $50,000 in combined deposit relationship balances (otherwise, $40/month)#
- Your choice of two additional bonus services, such as up to 25 returned deposit items per month and two free incoming domestic wires
Apply Now
Disclosures:
o To be eligible for the $750 cash bonus, business customer must open a new Huntington Business Checking 100, Unlimited Business, Unlimited Plus Business, Business Analyzed, Business Non Profit Analyzed, or Business Non Profit Interest Checking account by March 7, 2022 then make a minimum cumulative new money deposit into the new checking account of at least $20,000 within 60 days of account opening.
o “New money” is defined as money that is not currently on deposit in any Huntington account
(except maturing business CDs). Account must maintain an open status for at least 90 days
before it is eligible for the bonus payment. All new accounts subject to account opening approval
and account conversions are not eligible. An Early Account Closing Fee will apply to accounts
closed within 180 days of opening.
o Your $750 bonus will be deposited into your new checking account within 14 days of meeting the
above requirements. Your business checking account must remain in an open status to receive
the bonus.
o This offer is only available to new business checking customers. All existing Huntington business
checking customers, including those with business checking accounts closed within the last six
months, are not eligible. Public Fund/Government Banking dollars and Brokers are not eligible for
this offer.
o Cash bonus does not count towards the deposit requirement. This offer cannot be used in
combination with any other offer. For tax purposes, the bonus will be reported on IRS Form
1099-INT for the year in which you receive your bonus. Huntington reserves the right to limit an
individual business owner with multiple businesses to one account-related gift incentive per
rolling 12-month period across all deposit account relationships.
§A “transaction” is any combination of checks paid, deposit tickets, deposited checks (except those you process through a remote deposit scanner), incoming ACH debits and credits, debit card purchases and bill payment transactions made through Huntington’s Online Bill Pay service.
#The business can avoid the monthly checking maintenance fee ($20.00 for Unlimited Business Checking and $40.000 for Unlimited Plus Business Checking) for any statement period on this checking accountwhen the business keeps a total deposit relationship balance of at least $10,000 for the Unlimited Business Checking account and $50,000 for the Unlimited Plus Business Checking account in a combination of deposits held directly by us. Eligible deposits are this checking account and any other checking, money market, savings, or certificate of deposit (CD) account(s) owned by the business, but deposits owned by separate legal entities (even those that share EINs or TINs) are not eligible. We figure the total relationship deposit balance each month by adding the average daily balance for all eligible deposit account balances of the business for the applicable statement period. We calculate the average daily balance by totaling the balances in your account from the end of each day in the applicable statement period and dividing that amount by the number of days in that period. However, for new accounts or closed accounts, we only count the number of days that the account was open during the applicable statement period for purposes of determining the average daily balance.
6. Huntington Unlimited Business Checking — $400 Bonus Cash

Now through March 7, 2022, you can earn a bonus worth $400 when you open a new Huntington Bank Unlimited Business Checking account and complete qualifying activities. Here’s how it works:
- Open a new Unlimited Business Checking account between Nov. 1, 2021, and March 7, 2022
- Make cumulative new money deposits of at least $5,000 within 60 days of account opening
- Keep your account open for a minimum of 90 days
After completing these qualifying activities, you should receive your $400 bonus in your account within 14 business days.
Moving forward, enjoy these great Unlimited Business Checking benefits:
- Unlimited transactions§ and up to $10,000 in cash or currency deposits monthly in-branch or at an ATM at no charge; $0.30 fee for each $100 after
- Waived monthly maintenance fee with $10,000 in combined deposit relationship balances (otherwise, $20/month)#
- Your choice of one additional bonus service, such as two incoming domestic wire transfers per month
Apply Now
Disclosures:
o To be eligible for the $400 cash bonus, business customer must open a new Huntington Business Checking 100, Unlimited Business, Unlimited Plus Business, Business Analyzed, Business Non Profit Analyzed, or Business Non Profit Interest Checking account by March 7, 2022 then make a minimum cumulative new money deposit into the new checking account of at least $5,000 within 60 days of account opening.
o “New money” is defined as money that is not currently on deposit in any Huntington account
(except maturing business CDs). Account must maintain an open status for at least 90 days
before it is eligible for the bonus payment. All new accounts subject to account opening approval
and account conversions are not eligible. An Early Account Closing Fee will apply to accounts
closed within 180 days of opening.
o Your $400 bonus will be deposited into your new checking account within 14 days of meeting the
above requirements. Your business checking account must remain in an open status to receive
the bonus.
o This offer is only available to new business checking customers. All existing Huntington business
checking customers, including those with business checking accounts closed within the last six
months, are not eligible. Public Fund/Government Banking dollars and Brokers are not eligible for
this offer.
o Cash bonus does not count towards the deposit requirement. This offer cannot be used in
combination with any other offer. For tax purposes, the bonus will be reported on IRS Form
1099-INT for the year in which you receive your bonus. Huntington reserves the right to limit an
individual business owner with multiple businesses to one account-related gift incentive per
rolling 12-month period across all deposit account relationships.
§A “transaction” is any combination of checks paid, deposit tickets, deposited checks (except those you process through a remote deposit scanner), incoming ACH debits and credits, debit card purchases and bill payment transactions made through Huntington’s Online Bill Pay service.
#The business can avoid the monthly checking maintenance fee ($20.00 for Unlimited Business Checking and $40.000 for Unlimited Plus Business Checking) for any statement period on this checking accountwhen the business keeps a total deposit relationship balance of at least $10,000 for the Unlimited Business Checking account and $50,000 for the Unlimited Plus Business Checking account in a combination of deposits held directly by us. Eligible deposits are this checking account and any other checking, money market, savings, or certificate of deposit (CD) account(s) owned by the business, but deposits owned by separate legal entities (even those that share EINs or TINs) are not eligible. We figure the total relationship deposit balance each month by adding the average daily balance for all eligible deposit account balances of the business for the applicable statement period. We calculate the average daily balance by totaling the balances in your account from the end of each day in the applicable statement period and dividing that amount by the number of days in that period. However, for new accounts or closed accounts, we only count the number of days that the account was open during the applicable statement period for purposes of determining the average daily balance.
7. Huntington Business Checking 100 — $100 Bonus Cash

For a limited time, take advantage of this opportunity to earn a $100 bonus when you open a Huntington Bank Business Checking 100 account and complete qualifying activities. Here’s how it works:
- Open a new Business Checking 100 account between Nov. 1, 2021, and March 7, 2022
- Make cumulative new money deposits of at least $2,000 within 60 days of account opening
- Keep your account open for a minimum of 90 days
Complete these qualifying activities and you should receive your $100 bonus in your account within 14 business days.
Moving forward, enjoy these great Business Checking 100 benefits:
- 100 monthly transactions§
- Deposit up to $5,000 in cash or currency monthly in-branch or at an ATM#
- Free 120-day trial of a fraud tool: Reverse Positive Pay
- No monthly maintenance fee
Apply Now
Disclosures:
o To be eligible for the $100 cash bonus, business customer must open a new Huntington Business Checking 100, Unlimited Business, Unlimited Plus Business, Business Analyzed, Business Non Profit Analyzed, or Business Non Profit Interest Checking account by March 7, 2022 then make a minimum cumulative new money deposit into the new checking account of at least $2,000 within 60 days of account opening.
o “New money” is defined as money that is not currently on deposit in any Huntington account
(except maturing business CDs). Account must maintain an open status for at least 90 days
before it is eligible for the bonus payment. All new accounts subject to account opening approval
and account conversions are not eligible. An Early Account Closing Fee will apply to accounts
closed within 180 days of opening.
o Your $100 bonus will be deposited into your new checking account within 14 days of meeting the
above requirements. Your business checking account must remain in an open status to receive
the bonus.
o This offer is only available to new business checking customers. All existing Huntington business
checking customers, including those with business checking accounts closed within the last six
months, are not eligible. Public Fund/Government Banking dollars and Brokers are not eligible for
this offer.
o Cash bonus does not count towards the deposit requirement. This offer cannot be used in
combination with any other offer. For tax purposes, the bonus will be reported on IRS Form
1099-INT for the year in which you receive your bonus. Huntington reserves the right to limit an
individual business owner with multiple businesses to one account-related gift incentive per
rolling 12-month period across all deposit account relationships.
§A “transaction” is any combination of checks paid, deposit tickets, deposited checks (except those you process through a remote deposit scanner), incoming ACH debits and credits, debit card purchases and bill payment transactions made through Huntington’s Online Bill Pay service.
#Deposit up to $5,000 in cash or currency monthly in-branch or at an ATM at no charge; $0.30 fee for each $100 after.
8. PNC Bank Business Checking — Up to $500 Cash Bonus

Open an eligible new PNC Bank business checking account (Business Checking or Business Checking Plus) by Dec. 31, 2021, for the opportunity to earn a $200 cash bonus. Here’s how the bonus offer works:
- Open an eligible account by Dec. 31, 2021.
- Maintain an average cycle balance (account balance) of $5,000 or more for each of the first three statement cycles.
- Complete at least 20 total qualifying debit card transactions within the first three statement cycles.
Once you’ve completed the qualifying activities, you’ll receive a $200 cash bonus in your account within 90 days.
See the respective application pages for Business Checking and Business Checking Plus for more details on avoiding the monthly maintenance fees.
Alternatively, open a new Treasury Enterprise Plan or Analysis Business Checking account by Dec. 31, 2021, for the opportunity to earn a $500 bonus. All you need to do is maintain a minimum average balance of $30,000 throughout the first three statement cycles, and you’ll receive your bonus.
These offers are available nationwide. Limit one offer per customer.
Apply Now
Final Word
Most of the banks mentioned here do not cater to small-business owners exclusively.
They also offer consumer accounts — in some cases, generous and expansive lineups that include free checking accounts, rewards checking accounts, CDs with above-average rates, money market accounts, and high-yield savings accounts that might just keep your emergency fund on pace with inflation.
Others offer cash-back credit cards, among other types of rewards-laden spending aids for individuals.
This matters. After all, every business owner is a person too — one with personal money management needs. That means every business owner needs a personal checking account, among other key personal banking relationships.
If you’d like that relationship to involve the same bank you choose for your business banking needs, perhaps one of these promotions will seal the deal.
How open a business bank account in delaware online Start a Business in the U.S. as a Foreigner
Starting a U.S.-based business as a foreigner can be a long road, but the country makes it easy to register your company and open your business. Learning English is a basic requirement if you plan on doing business with Americans, but other aspects such as filing for your Employer Identification Number (EIN), and choosing which type of company you want to be, can make matters more confusing.
Choose Your Company Structure
Most foreign nationals, says Schwartz International tax advisor and lawyer Richard Hartnig, choose to establish a C corporation, which can expand by offering unlimited stock and is typically more attractive to outside investors, even though its profits are taxed twice, first at the corporate level, and then as open a business bank account in delaware online to shareholders.
For corporate shareholders, the advantages are usually clear: Corporate shareholders typically qualify for a lower dividend rate. And so long as the U.S. company doesn’t primarily hold real estate, the corporate parent won’t pay capital gains when it sells the U.S. affiliate. Even individual foreign owners are probably best off with a C corporation, says Hartnig, since the structure will shield them from direct IRS scrutiny. “Foreign individuals are very, very open a business bank account in delaware online to put their names on the U.S. tax rolls,” he says.
Of course, C corporation owners pay more for that shield as a result of the double tax. But in many cases, tax planners can use salaries, pension costs, and other expenses to reduce corporate income and eliminate much of the double taxation.
All that said, in some cases–usually depending on the particulars of one’s native tax laws–a limited partnership may be the best business structure. In a limited partnership, partners without management control have limited liability, and profits are passed through to the members, who pay income tax on their individual tax return.
Choose a State to Register Your Company In
The company’s business should determine where it locates. If one state dominates its market, it’s best off incorporating there–there’s no way to avoid obligations of doing business in, say, California, a famously high-cost jurisdiction, by registering in Nevada or Delaware, two famously low-burden states. On the other hand, if the business will not be concentrated in any particular state, most advisors will probably recommend Delaware incorporation, followed by Nevada.
This is in part because of Delaware’s “flexible” corporate law that offers generous protections to shareholders and directors, and also due to its outsider-friendly rules. (Besides not requiring either a local physical address or bank account, Delaware makes its corporate law website available in 10 languages.) It’s also, at least in part, a matter of inertia: Tax advisors are so familiar with Delaware’s welcoming ways that many haven’t bothered to learn the requirements of more far-flung states.
Register
The forms and other requirements for forming a business entity vary somewhat by state. Here’s how incorporation works in Delaware, which serves as a simplified model for many states:
- The company principals choose a unique name.
- They select a registered agent that is able to receive legal documents for the company. (A company with a physical address in the state can serve as its own agent, but this is not true in other states, like California.)
- The company fills out a one-page certificate of incorporation that identifies the corporate name, the name and address of its registered agent, the total amount and par value of the shares the corporation is authorized to issue, and the name and mailing address of the incorporator. Fees start at $89 and increase principally based on the amount of stock issued or capital raised.
Once the business is incorporated, it must file a report ($50) and pay franchise tax (from $175) annually. Though many online services exist to help with entity formation for a separate fee that can reach several hundred dollars, the paperwork is generally fairly straightforward, and states (usually through their secretary of state) normally provide guidance online to help individuals file the proper paperwork.
Obtain an Employer Identification Number
An Employer Identification Number (EIN) is necessary not just to hire workers but to open a bank account, pay taxes, or often to get a business license. Apply for the EIN for free directly with the IRS, and avoid the many online services with government-sounding internet addresses that charge for this service. But unless the U.S. company’s principal officer (who the IRS calls the “responsible party”) has already obtained a separate Taxpayer Identification Number from the agency, it can’t apply for an EIN online–it must apply by mail or FAX, and where the form asks for the Taxpayer Identification Number, enter “foreign/none.”
Once you have obtained an EIN, you should consider comparison shopping to find a business bank account that fulfills your specific needs. Some key factors to review include rewards, access to brick-and-mortar and online services, the convenience of making cash deposits, and the ability to earn attractive interest rates on your deposits.
The Bottom Line
In most cases, foreigners with business or investments in the United States should set up a domestic corporation. Consult with experts on tax law in both your home country and the U.S. before taking the plunge, as the rules for foreign nationals can be more complex than if you were a citizen.
Do I Need to Set Up a Delaware LLC or Corporation Bank Account?
How to Open a Bank Account for Non-U.S. Residents
We get asked all the time to help people set up a U.S. bank account in Delaware. If you are not a U.S. resident, it is possible to set up a bank account in America, but it is not easy. Most banks will want you to come to their branch in person. If at all possible, we recommend just setting up a PayPal account, Google checkout account, or bank account in your home country. There are banks that do this service for their clients, but you really have to get a good banker that is willing to work with you!
We recommend national banks like Wells Fargo, Chase, HSBC, or Citibank. Often we hear HSBC is the easiest for people because they have worldwide locations and you can go into a bank closer to where you are, instead of flying into America just to set up a US bank account for your Delaware LLC or Delaware corporation.
Please don’t get duped by services offering to set up a US bank account for you. There’s absolutely no way for some incorporation service to set up a Delaware LLC or Delaware corporation bank account for you, without you doing most the work! You will more than likely pay for their “Guidance” and they’ll just give you a whole bunch of crappy paperwork for you to fill out and let you deal with a banker that will want you to fly to America and meet with them in person.
When we form the company for you, we will have a filed certificate of formation or certificate of incorporation for you, initial resolutions, and an LLC operating agreement or corporate bylaws in your online account at all times. If the bank requires you to show a certificate of good standing, we can order that for you, or you can get it yourself at: Delaware Certificate of Good Standing.
If you are truly going to fly to the U.S. and open a U.S. bank account for your Delaware company, we recommend buying the optional certified copy and certificate of good standing on our incorporation order form, just in case you get a grumpy banker that is being difficult with you. Then you’re not calling us last minute and overpaying for us to get these documents for you last minute.
If you need to put down our address for the bank account address, that is fine, but we legally cannot forward you a physical debit or credit card without a physical mail forwarding option, such as the one we offer in our Delaware virtual office service for $50 a month. We really do not want to upsell you something…that’s not our goal. It is an option if you do need it, but most of our clients do not need to pay us anything else besides $45 a year to act as their Delaware registered agent.
The free business bank account for freelancers
What are the benefits of the free business bank account from N26?
N26 Business Standard is a flexible, free business bank account that makes online banking even easier for freelancers and self-employed individuals. Within seconds of opening the account, get a free virtual N26 Mastercard that lets you pay in stores, apps, and online. Withdraw cash free of charge up to 3 times per month at NFC-equipped ATMs. Send, receive, and request money instantly with MoneyBeam. At the end of the month, see your spending at a glance with Statistics, and enjoy 0.1% cashback on every purchase. Find out more in our Terms and Conditions.
Do I need an online business bank account if I’m self-employed?
Generally, it’s a good idea to keep your personal and business expenses separate. The N26 Business Standard free business bank account helps you break down your business expenses and income transparently. As your business grows, this will become more and more helpful when it comes to bookkeeping and taxes.
How do I open my free business bank account?
It’s easy to open an N26 Business Standard online business bank account. It requires zero paperwork, and takes only 8 minutes. All you need is your smartphone and your valid photo ID. There’s no minimum deposit amount, and you’ll be able to start using your account as soon as your identity is verified!
Go to our Support Center for more details on the requirements for opening a bank account with N26.
Should I open my free business bank account in my own name or in my company’s name?
At N26, our free business bank account is designed for self-employed individuals and freelancers who do business under their own name. Therefore, you have to open the account in your own name. This is the name that will appear in your account and on your N26 Mastercard.
How do I receive my cashback for purchases I made with my N26 Mastercard?
We calculate 0.1% cashback for every purchase you make with your N26 Mastercard automatically. We’ll credit your free business bank account with the total cashback amount once per month—you don’t need to lift a finger.
Can I have both a private and a business account with N26?
No. You can only have one account with N26. If you already have a personal account with us and want to open a free business bank account, you’ll have to close the private account first, and then open the N26 Business Standard account.
What happens if I use my online business bank account for private expenses?
Since N26 Business Standard is intended for business purposes, you should primarily use it for your business expenses. This includes overheads like rent for your company premises or expenses for business trips. Still, you can use your free business bank account for private expenses from time to time—as long as this is not the majority of your expenses.
Details you’ll need to apply online:
- Business tax ID
- Date business was formed
- Country and state of legal formation (formed in U.S. to apply online)
- Country and state of primary business operation (must be a U.S.-operating business)
- Legal business name and DBA (“doing business as”) name, if applicable
- Personal information about the business owner and controlling manager. Visit our "What does a Beneficial Owner need to apply online" FAQ for more information.
Additional documents to send us:
- Current and stamped/filed articles or certificates of organization (must have proof of filing with state or county)
If you need a Limited Liability Company Resolution to complete this application, we’ll email you the necessary documents after you complete and submit the application.
If you are conducting business using a DBA (doing business as), fictitious name, trade name or assumed name, please include one of the following additional documents (document must bear the business name you’ve adopted and be current and in good standing):
- Fictitious name certificate
- Certificate of trade name
- Assumed name certificate
- DBA certificate
Sending your documents
We need both your application and your required supplemental documents within 11 days to process your application. If we don’t receive your documents, your application will be declined and you’ll have to apply again.
You’ll receive your application ID after you submit your online application. Please include your application ID on the fax cover sheet or in the email subject line.
Fax to 800.435.0051
Or scan and map of north and south carolina beaches to [email protected]
What business owners should know:
- The primary applicant must be an owner (minimum of 25% ownership in the business) or an authorized officer; additional owners listed on the application will need to have a minimum of 25% ownership
- Applicants should be U.S. residents (foreign business customers aren’t eligible to apply online at this time)
- Applicants authorize Bank of America to obtain a credit report or other report or account information to help verify application information
- Online applicants agree to account servicing via electronic communication