How do I open a business bank account online?

To open a business bank account online, you need your EIN letter from the IRS, your formation documents (Articles of Organization or Certificate of Incorporation), your operating agreement or corporate bylaws, and a government-issued photo ID for all signers.

Digital-first banks like Mercury, Relay, and Novo allow fully online applications completed in 10 to 15 minutes. Traditional banks (Chase, Bank of America) may require an in-person visit to a branch. International founders can open accounts at Mercury or similar fintechs using their passport and registered agent address. Approval typically takes 1 to 3 business days. Choose a bank that integrates with your accounting software and supports your transaction volume. Lovie's agent-native banking allows account opening and management through AI assistants via MCP.