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    American Banking System

    Bank Account in the United States

    Access the financial system of the world's largest economy and receive payments in dollars.

    Why Have an Account in the USA?

    Advantages of accessing the world's largest financial system

    US Dollar Account

    Hold dollars in the world's largest economy, the global reserve currency

    FDIC Protection

    Deposits insured by the US government up to USD 250,000 per account

    US Debit Card

    A card accepted worldwide, ideal for purchases and travel

    Access to the US Market

    Makes payments, receipts and operations in the United States easier

    US Investments

    Access to American brokerages, stocks, ETFs and investment funds

    International Credibility

    An account with a US bank boosts credibility for global business

    Available Account Types

    Personal Account (Tourist)

    For Brazilians without US residency

    Banks: Mercury, Relay (via LLC), some traditional banks

    • Opened with a Brazilian passport
    • Brazilian address accepted (some banks)
    • Visa/Mastercard debit card
    • Access via app and online banking
    • Deposits via international transfer

    Business Account (LLC)

    For American companies owned by Brazilians

    Banks: Mercury, Relay, Chase, Bank of America

    • Linked to your US LLC
    • Receive payments from US clients
    • Integration with Stripe, PayPal, etc.
    • Multiple users and cards
    • Business line of credit

    Investment Account

    For investing in the American market

    Banks: Charles Schwab, Interactive Brokers, TD Ameritrade

    • Stocks, ETFs, REITs, bonds
    • No maintenance fee
    • Research and analysis included
    • Margin account available
    • Access to IPOs

    Why Open an Account via an LLC?

    For Brazilians, the most practical way to have a US account is through an American company

    A business account is easier to open than a personal one for non-residents
    Separates personal finances from business finances
    Makes it easy to receive payments from American clients
    Integration with payment gateways (Stripe, PayPal)
    Credibility for doing business in the US
    Possibility of building business credit

    Top Options for Brazilians

    Mercury

    Best for LLCsAccepts non-residents

    A digital bank focused on startups and companies. 100% online process, ideal for non-resident LLCs

    Relay

    No feesAccepts non-residents

    A digital bank for small businesses. Simple interface with no hidden fees

    Chase Bank

    Largest ATM network

    The largest bank in the US. Excellent for those with a physical presence or who travel to the US frequently

    Bank of America

    Traditional bank

    The second largest bank. Accepts some non-residents with a business account

    Charles Schwab

    InvestmentsAccepts non-residents

    A brokerage with an integrated bank account. Ideal for investors, accepts non-residents

    Wise (TransferWise)

    Easiest to openAccepts non-residents

    A multi-currency account with US bank details. 100% remote opening

    Costs and Fees

    Typical amounts charged by American banks

    Account opening (digital)Usually free
    Account opening (traditional)USD 0-25
    Monthly maintenanceUSD 0-15 (waived with minimum balance)
    Debit cardFree
    Wire transfer (outgoing)USD 25-35
    Wire transfer (incoming)USD 0-15
    Out-of-network ATM withdrawalUSD 2-5

    Requirements to Open an Account

    Personal Account (Tourist)

    • Valid Brazilian passport
    • US visa (B1/B2 or other)
    • US address (can be a hotel/friend's)
    • American phone number (optional)
    • Initial deposit (USD 25-100)

    Business Account (LLC)

    • LLC registered in a US state
    • EIN (company tax ID)
    • LLC Operating Agreement
    • Passport of partner(s)
    • Proof of company address

    Points to Watch Out For

    • The US participates in FATCA - tax information is exchanged with Brazil
    • Some banks close non-resident accounts without notice - keep activity flowing
    • A virtual address (registered agent) may not be accepted as a business address
    • Traditional banks may require physical presence to open an account
    • Building US credit history takes time - start with a secured card

    Frequently Asked Questions

    Open Your Account in the United States

    We handle the entire process: LLC formation, obtaining an EIN and opening a bank account.