Can a non-US founder open a Mercury account?

Yes. Mercury explicitly supports foreign founders with a US LLC. You need the LLC formation documents, IRS EIN letter, a non-US passport for identity, and a US business address. No US SSN or residency is required.

Does the state I form my LLC in affect Mercury eligibility?

No. Mercury accepts LLCs from all US states and territories. The formation document name varies by state (Articles of Organization vs. Certificate of Formation), but Mercury accepts both.

Mercury KYC for LLCs: All 50 States (2026)

How to pass Mercury verification as an LLC

Mercury is a fintech banking platform whose deposits are held at FDIC-member partner banks (currently Choice Financial Group and Column N.A., Members FDIC), making it popular with startups and small businesses including those with non-US founders. To open a Mercury account for a US LLC, you must provide the company's formation documents, an IRS-issued EIN confirmation, a government ID for the beneficial owner(s), and a physical US address. Mercury supports all US-state LLC types and is commonly used by foreign founders who have formed a US LLC, since it does not require founders to be US citizens or residents.

What Mercury requires from an LLC

LLC formation documents. Your Articles of Organization (or Certificate of Formation, depending on your state) showing the LLC is validly registered in the US.
IRS EIN confirmation letter. An IRS EIN confirmation document: the CP575 EIN assignment letter, a 147C letter, a completed SS-4, or a screenshot of the IRS online EIN confirmation. Mercury requires one of these to verify the business tax ID.
Government-issued ID for owner(s). A passport or US driver's license for each beneficial owner and controller of the LLC.
US business address. A physical US address where the company operates. Commercial, residential, or co-working space addresses are accepted. Important: Mercury has tightened address requirements as of 2025-2026 and may reject registered-agent-only addresses, PO boxes, UPS Store addresses, and virtual mailbox services. If your only US address is a registered agent, you may need to provide a co-working space, fulfillment partner, or other operational address.

Not legal advice: Requirements change. Confirm with Mercury. Reviewed 2026-07-21.

Frequently Asked Questions

: Yes. Mercury explicitly supports foreign founders with a US LLC. You need the LLC formation documents, IRS EIN letter, a non-US passport for identity, and a US business address. No US SSN or residency is required.
: No. Mercury accepts LLCs from all US states and territories. The formation document name varies by state (Articles of Organization vs. Certificate of Formation), but Mercury accepts both.

What Mercury requires from an LLC

Mercury verification by state

Frequently Asked Questions

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