--- title: "Apply for a Business Bank Account | LLC Attorney" description: "Let us help you set up your business banking the right way. We will guide you to the right business accounts, financing, and resources for your small business." canonical: https://llcattorney.com/services/bank-account-opening image: https://llcattorney.com/images/share-cover.png source_path: /services/bank-account-opening --- [Same-day Filing](/starting-a-business/same-day-filing)[Bank Account Application](/services/bank-account-opening)[No Hidden Fees](/pricing) ## Get Your LLC, EIN, and Business Bank Application in One Place Opening a business bank account is one of the first steps to keeping your finances clean and separate—but you can’t open one without the right paperwork. That’s why it makes sense to form your LLC, get your EIN, and set up your business banking with one provider. At LLC Attorney, we handle the formation, file for your EIN, and connect you directly with a trusted banking partner that knows exactly what you need to get started. No chasing documents, no guesswork—just one smooth process to help you go from idea to official in record time. **With LLC Attorney you get:** - **LLC Formation with Built-In Legal Know-How** We’re not just filing forms—we’re using professionally guided processes to make sure your entity is done right from the start. - **Fast, Accurate EIN Filing** No IRS phone queues, no confusing paperwork. We get your EIN—usually within 24 hours—so you can move forward fast. - **U.S. Business Bank Application** We submit your application to our banking partners, who accept many foreign founders without a U.S. address or Social Security Number. Some countries aren’t eligible; see the lists below. - **Privacy Protection with a Business Address** Keep your personal info off public records. We give you a real U.S. business address to use on official paperwork and banking documents. - **Support from Business Success Advisors** Our professionally guided team is here to answer questions, flag what’s missing, and make sure you don’t hit roadblocks. It’s like having a guide who knows how to get through the red tape. Book a Free Consultation #### 100,000+ Businesses Formed #### 50 States Served #### $2 Billion + Earned by Clients ## The Basics of Opening a Business Bank Account with Our Lead Attorney ## The Advantages of Using LLC Attorney for Your LLC & Bank Account Setup ![Same Day LLC Filing](/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fuser-headset.ca0e9dfd.webp&w=256&q=75) ### Same Day LLC Filing The moment we receive your order, we get to work filing all the paperwork with the Secretary of State. When it's ready, you'll receive an email letting you know that your business is official! ![Get an EIN Fast](/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fhourglass-clock.7cdc5c34.png&w=256&q=75) ### Get an EIN Fast When we file the documents to form your LLC with the Secretary of State, we also file a request with the IRS for your EIN so you don't lose any time. ![Business Bank Application](/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fcontract-green.a0e0793b.webp&w=256&q=75) ### Business Bank Application Once we receive your EIN, tell us you'd like a business bank account and we'll submit the application to our banking partners for you, entirely online. The bank decides whether to open it, and some countries aren't eligible. ![All Your Docs in One Place](/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fhandshake.8943a3bb.png&w=256&q=75) ### All Your Docs in One Place When you form your LLC with us, all your key business documents are stored in a secure portal you can access anytime, anywhere—no more lost paperwork. [Learn More About Us](/about/who-we-are) ## Get to Know the Basics of Opening a Business Bank Account ### What Documents Do You Need to Open an LLC Bank Account? To open your business bank account, you’ll need the following LLC documents: - Articles of Organization - Employer Identification Number (EIN) - Operating Agreement - ID for owners (e.g., driver's license or passport) - Information for all owners with 20%+ ownership (name, date of birth, address, and SSN or passport number) Once your LLC is formed and with your approval, LLC Attorney will submit your business bank application using your EIN. The bank decides whether to open the account. ![What Documents Do You Need to Open an LLC Bank Account?](/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fcheck-papers.5af5ecfd.webp&w=3840&q=100) ### How to Apply for Your Business Bank Account ‍**1\. Form Your LLC and Get an EIN at the same time:** We’ll file your LLC with the state and secure your EIN. **2\. Apply for Your Bank Account:** We securely integrate with our banking partners, so we submit your application for a business checking account as soon as your LLC is formed. The bank decides whether to open it. **3\. Receive Your Debit Cards:** If the bank approves your account, you’ll receive your physical and virtual debit cards. ![How to Apply for Your Business Bank Account](/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fcheck-online-bank.a42107fc.webp&w=3840&q=100) [Start My Business](https://app.llcattorney.com/formation?intake_type=formation) ### Check your country before you order The bank decides whether to open your account, not us. Our partner banks can't serve owners from every country, and their lists change, so check them before you order. - **Relay** can't open an account for a business owner who holds citizenship or residency in a country on its prohibited list. As of September 2026 that list is: Afghanistan, Belarus, Bosnia and Herzegovina, Burkina Faso, Burma (Myanmar), Burundi, Cambodia, Central African Republic, Cuba, Democratic Republic of the Congo, Ethiopia, Guinea-Bissau, Haiti, Iran, Iraq, Lebanon, Libya, Mali, Nicaragua, Nigeria, North Korea, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Ukraine, Venezuela, Yemen and Zimbabwe. [See Relay's current list](https://relayfi.com/hc/en-us/articles/10239600121748-Prohibited-Countries/) - **Lili** accepts owners who are not US citizens only if they hold citizenship from one of 20 countries. As of September 2026 they are: Argentina, Australia, Bolivia, Brazil, Canada, Chile, China, Colombia, Ecuador, India, Israel, Mexico, New Zealand, Norway, Panama, Paraguay, Peru, the United Arab Emirates, the United Kingdom and Uruguay. Every owner with 25% or more of the company must qualify. [See Lili's current list](https://support.lili.co/hc/en-us/articles/8993238767258-Can-non-U-S-citizens-open-a-Lili-account) If you're a citizen or resident of a country on Relay's list, and you're not a US citizen or a citizen of one of Lili's countries, neither partner can open an account for you today. Your LLC, EIN and formation documents don't depend on bank approval. ## Frequently Asked Questions ### What documents do I need to open a business bank account? ![icon](/_next/image?url=%2Fimages%2Ficons%2FfaqPlus.png&w=128&q=75) Most banks require your EIN (Employer Identification Number), formation documents (like your Articles of Organization or Incorporation), and possibly an operating agreement or bylaws. ### Do I need a business bank account to run my business? ![icon](/_next/image?url=%2Fimages%2Ficons%2FfaqPlus.png&w=128&q=75) You're not legally required to open a business bank account, but it's highly recommended. To protect your personal assets—especially if your business is ever involved in legal action—you need to keep your business and personal finances completely separate. A dedicated business account helps maintain that important legal and financial boundary. ### Can I open a business bank account without an EIN? ![icon](/_next/image?url=%2Fimages%2Ficons%2FfaqPlus.png&w=128&q=75) No, most banks require an EIN to open a business account. It's usually a required field on the application. ### How does having a business bank account help protect my personal liability as an LLC owner? ![icon](/_next/image?url=%2Fimages%2Ficons%2FfaqPlus.png&w=128&q=75) Opening a business bank account is a key part of protecting your personal liability as an LLC owner. By only using your business account for business-related expenses and revenue, it helps ensure that if your company is ever sued, your personal assets are less likely to be at stake. Mixing personal and business finances can weaken that protection and put you at risk. ### Does my bank need to be located in the same state as my LLC? ![icon](/_next/image?url=%2Fimages%2Ficons%2FfaqPlus.png&w=128&q=75) Not generally. Many online business banks support multi-state operations, especially for digital or service-based businesses. ### Why is it important to separate personal and business funds? ![icon](/_next/image?url=%2Fimages%2Ficons%2FfaqPlus.png&w=128&q=75) Mixing your business and personal funds can jeopardize the liability protection you get from forming an LLC. It can also complicate taxes and bookkeeping, increasing the chance of errors. If your business is ever audited, having a dedicated business bank account can make the process much smoother and far less stressful. ## Big Moves Start Here. Ready To Form Your LLC? We’ll file your entity within 24 business hours so you can start building your future the right way, right away. [I'm Ready to Form My LLC](https://app.llcattorney.com/formation?intake_type=formation) ## Additional Services Explore Our Full Suite of Services for Businesses [ ![LLC Formation Image](/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fllc-formation-icon.af385a42.webp&w=3840&q=75) ### LLC Formation LLCs are a flexible option for business owners. **Learn More** ](/services/llc-formation-services)[ ![Corporation Formation Image](/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fcorp-formation.03f411ca.webp&w=3840&q=75) ### Corporation Formation Corporations come with powerful benefits. **Learn More** ](/services/corporation-formation)[ ![Private Formation Image](/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fprivate-formation-icon.111b9f20.webp&w=3840&q=75) ### Private Formation Explore aspects of this entity and its benefits. **Learn More** ](/services/private-formations)[ ![International Formations Image](/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fint-formation-icon.4718deae.webp&w=3840&q=75) ### International Formations Why a non-resident would want to form an LLC in the US. **Learn More** ](/services/international-llc-formation)[ ![Mail Forwarding Image](/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fmf-icon.6c82fd30.webp&w=3840&q=75) ### Mail Forwarding Access your mail directly from anywhere and forward packages. **Learn More** ](/services/mail-forwarding)[ ![Registered Agent Image](/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fra-agent.6c82fd30.webp&w=3840&q=75) ### Registered Agent A registered agent is the person who’s listed on your LLC **Learn More** ](/services/registered-agent)