Your Business.
Your Country. Your Account.
A U.S. business checking account built for founders who arrived with a visa and a vendor list — not a Social Security number.
Available Balance
$14,820.00
This Month
+$3,240.00
Wire → Harinas del Pacífico, San Salvador
+$1,240.00
2m ago
POS · Restaurant Depot, Chicago IL
-$87.50
14m ago
Invoice · Eko Freight Partners, Lagos
₦3,200,000
1h ago
Wire → Nguyễn Supply Co., Hồ Chí Minh
+$2,100.00
3h ago
Payroll · Nail Tech #3, Dallas TX
-$420.00
5h ago
Wire → Padaria São Jorge, São Paulo
+$890.00
6h ago
POS · Sysco Foods, Houston TX
-$312.40
8h ago
Wire → Harinas del Pacífico, San Salvador
+$1,240.00
2m ago
Invoice · Eko Freight Partners, Lagos
₦3,200,000
1h ago
Wire → Nguyễn Supply Co., Hồ Chí Minh
+$2,100.00
3h ago
Wire → Harinas del Pacífico, San Salvador
+$1,240.00
2m ago
POS · Restaurant Depot, Chicago IL
-$87.50
14m ago
Invoice · Eko Freight Partners, Lagos
₦3,200,000
1h ago
Wire → Nguyễn Supply Co., Hồ Chí Minh
+$2,100.00
3h ago
Payroll · Nail Tech #3, Dallas TX
-$420.00
5h ago
Wire → Padaria São Jorge, São Paulo
+$890.00
6h ago
POS · Sysco Foods, Houston TX
-$312.40
8h ago
Wire → Harinas del Pacífico, San Salvador
+$1,240.00
2m ago
Invoice · Eko Freight Partners, Lagos
₦3,200,000
1h ago
Wire → Nguyễn Supply Co., Hồ Chí Minh
+$2,100.00
3h ago
94%
ITIN approval rate
vs 23% at legacy banks
4h
Avg wire settlement
US → MX corridor
0
Credit score required
ITIN or EIN accepted
"Can I open a business checking account with just an ITIN?"
Yes. Every time. No exceptions.
We built Remit around the ITIN holder, not around them. Your Individual Taxpayer Identification Number is all we need to get your business banking started.
ITIN Approval Rate by Institution
2025 dataAccepted Documents
ITIN (Form W-7)
Primary document — no SSN needed
EIN (Employer ID)
Sole props & LLCs welcome
SSN
Standard path also accepted
Passport (foreign)
Combined with ITIN
U.S. Driver's License
State ID accepted
USCIS Work Permit
EAD card accepted
Credit Score
Not required — ever
U.S. Address History
Not a requirement
María José Ramos, Panadería El Sol, Chicago. Opened her Remit account in 11 minutes using her ITIN and Salvadoran passport. Her flour supplier in San Salvador received the first wire 4 hours later.
"Will my transfers to my home country get flagged or frozen?"
Cross-border is our default,
not your exception.
Legacy banks treat international wires as suspicious. We treat them as normal business. Your transfers are pre-cleared for the corridors your business actually uses.
Chicago, IL → San Salvador, SV
Bakery suppliers, food distributors
Houston, TX → Lagos, NG
Freight invoices, logistics partners
Dallas, TX → Hồ Chí Minh, VN
Salon supplies, technician payments
Miami, FL → São Paulo, BR
Restaurant imports, food wholesale
Los Angeles, CA → Mexico City, MX
Most active corridor on our network
FinCEN registered — your transfers are compliant, not suspicious
Pre-approved corridors — no freeze alerts for routine business wires
Automatic receipts in sender and recipient language
"What are the real fees? What am I not seeing?"
Every fee. Right here. No footnotes.
We know you've been burned by fine print before. This is the complete fee schedule, compared line-by-line against the banks that turned you away.
Monthly maintenance fee
$0
Always free
$15–$30
$16–$29
ITIN account opening
Accepted
Rejected
Rejected
International wire (outbound)
$4.99
Flat rate, any corridor
$40–$50
$30–$45
International wire (inbound)
$0
$15
$15
Foreign currency conversion
0.5%
Mid-market rate
3%
3%
Multilingual statements
5 languages
English only
English only
Minimum balance required
$0
$1,500
$5,000
ACH transfers
$0
$0
$0
Overdraft fee
$0
No overdraft program
$34
$35
Wire settlement time
2–6 hours
1–3 days
1–5 days
$480+
Saved per year on monthly fees
vs Chase Business Complete
$350+
Saved per year on 8 wires/month
at $4.99 vs $40 average
$420+
Saved on FX conversion annually
0.5% vs 3% on $20K volume
The questions you search at 1 a.m.
We wrote these answers before you had to ask. Because we've read every forum thread, every Reddit post, every immigration lawyer FAQ.
Your account stays open. Remit is ITIN-based, not visa-status-based. Whether you're on H-1B, F-1 OPT, a green card, or in adjustment of status — your business account remains active. We've never closed an account due to an immigration status change.
Regular business payments to the same vendors and suppliers are pre-cleared on our compliance system. We pattern-learn your business — if you wire $1,200 to the same San Salvador supplier every month, that's normal. We flag anomalies, not routines.
Yes. Your Remit business debit card arrives 3–5 business days after account approval. It works at any Visa-accepting merchant in the U.S. and internationally. Your business name appears on the card, not a generic placeholder.
Remit generates monthly statements in English, Spanish, Portuguese, Vietnamese, and French. Your CPA gets the English version; you get yours. Export to CSV, QuickBooks, or Wave. Every transaction includes a merchant category code your accountant already understands.
No minimum balance. No minimum opening deposit. No monthly fee. You can open with $1 or $10,000 — the account works the same. We make money on interchange and FX spread, not on punishing small balances.
Read first. Decide after.
We answer every question before asking for a single keystroke. The guide is free. The eligibility check is instant. No hard credit pull. Ever.
The ITIN Business Banking Guide
Free PDF GuideChoose your language
Everything you need to open, fund, and use a U.S. business account with an ITIN.
- ITIN application checklist
- Wire transfer guide (40 corridors)
- Fee comparison worksheet
- Document requirements by state
Check Your Eligibility
60-Second Soft Check · No Credit PullWhat type of business are you opening an account for?