Do I need a US address to open a business bank account?

Most US business bank accounts require a US mailing address, but not necessarily a residential address.

A registered agent address or virtual mailbox in the US typically satisfies this requirement. International founders can use their registered agent's address as their business address for banking purposes. Some banks (Mercury, Relay) accept international founders with just an EIN and registered agent address. Others (traditional banks like Chase or Bank of America) may require in-person verification or a US residential address. The key documents needed are: your EIN letter from the IRS, your formation documents (articles of organization or certificate of incorporation), and a US mailing address. Lovie's registered agent service ($79/year, $49/year in Wyoming) provides a US business address that satisfies banking requirements.