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Relay Bank Account Setup
for Your US LLC - Done Right

We help US LLC owners - including NRPs and remote founders - avoid the KYC mistakes that kill applications, prepare the right documentation, and get their US business banking activated with confidence.

Already know if you're eligible? Let's get started.  Not sure? We'll tell you in under 60 seconds.

Not sure if Relay is right for you? See all banking options
500+ US LLCs Activated
UAE, UK, USA, Canada, Pakistan & beyond
KYC-compliant, zero shortcuts
The only banking service
that tells you the truth about Relay eligibility

Can You Open a Relay Account?

Let us confirm your eligibility in under 60 seconds - no guesswork, no wasted applications.

500+
LLCs Activated
12+
Countries Served
60s
Eligibility Check
Clients based in
🇦🇪 UAE
🇬🇧 UK
🇺🇸 USA
🇨🇦 Canada
🇵🇰 Pakistan
Eligibility Requirements

Can You Open a Relay Bank Account? Here Is the Honest Answer

Most guides bury this at the bottom. We're putting it first because wasting your time on an application you were never going to pass isn't useful to anyone. You need to know if you actually qualify before touching the form. Relay has specific requirements - and your situation as the individual owner matters just as much as the business itself. A lot of people miss that part.

Here is what Relay actually requires:
US-Registered LLC
Delaware, Wyoming, New Mexico, or any other state - any US LLC formation qualifies.
EIN from the IRS
Employer Identification Number issued by the IRS - your LLC's tax identification number.
US Operational Address
Not just a registered agent address - a real location where business activity actually takes place.
Government-Issued Photo ID
A valid, current government ID - passport or national identity document.
SSN or ITIN
Social Security Number or Individual Taxpayer Identification Number - required for the account holder.
Permitted Country Residency
Residency in a country that is not on Relay's restricted list. This is the detail most guides miss.

Important: Having a US LLC does not automatically qualify you for Relay. The individual owner's residency and tax identification are the primary KYC factors. This is the detail most guides miss.

🇵🇰

What About Pakistani Founders?

We're going to be straight with you here, because most services aren't.

✕ Restricted

Residing in Pakistan

Relay lists Pakistan as a restricted country. Applications from Pakistani residents won't be approved. We won't help you attempt it because it won't work.

✓ May Qualify

NRP in UAE, UK, USA, or Canada

You may qualify. You'll still need a valid SSN or ITIN and a legitimate US operational address - but the path is open.

? Not Sure

Not Sure Where You Stand

That's exactly what our free eligibility check is for. Get a clear answer before you touch any application.

Not eligible for Relay? Explore our banking service for NRPs

Think you qualify? Let us confirm and get you set up.

✅
You Likely Qualify If...
  • ✓
    You reside in a permitted country (UAE, UK, USA, Canada)
  • ✓
    You have an SSN or ITIN
  • ✓
    You have a US operational address
  • ✓
    Your LLC is active with a valid EIN
🚫
You Likely Do Not Qualify If...
  • ✗
    You currently reside in Pakistan
  • ✗
    You have neither SSN nor ITIN
  • ✗
    You only have a registered agent address
  • ✗
    Your LLC formation is incomplete

Not sure where you stand?

Our free eligibility check gives you a clear answer - no commitment required.

Explore NRP Banking Options
The Real Problem

Opening a US Business Bank Account Sounds Simple. For NRP Founders, It Rarely Is.

You registered your LLC. Did the research. Found Relay and it looked like a good fit - no fees, multiple accounts, everything online. Then something stopped you.

There's also a risk most guides skip entirely. A rejected KYC application isn't a start-fresh-tomorrow situation. It can leave a footprint that complicates future applications at Mercury or other US banks. Getting it right the first time isn't just more convenient - it protects your LLC's standing with US financial institutions going forward.

We built this service because we kept seeing the same founders stuck at the same point.

Maybe the application hit a wall with no explanation. Maybe you found out your country of residence is restricted and no blog post told you what that actually means for your specific situation. Or maybe Relay keeps asking for an "operational address" and all you have is a registered agent address and nobody has explained what the difference actually is.

Here is what founders in your position keep running into:

Application keeps hitting a wall with no clear explanation why
Your Relay application keeps hitting a wall with no clear explanation why - and Relay's support often doesn't provide specific reasons.
Country of residence is restricted - found out too late
Your country of residence is restricted and no one mentioned it before you started the process. No blog post told you what that actually means for your specific situation.
Registered agent address vs operational address - nobody explained
You have a registered agent address but Relay wants something different and you don't know what qualifies. The distinction isn't explained anywhere in their onboarding.
Documents uploaded - heard nothing back, or got a vague rejection
You uploaded your documents and heard nothing back - or got a rejection with no actionable detail on what went wrong.
Read 10 blog posts and none of them mentioned any of this
You read 10 blog posts and none of them mentioned any of this. Most guides are written for US residents and skip the nuances that apply to non-resident founders entirely.

The Risk Most Guides Skip Entirely

A rejected KYC application isn't a start-fresh-tomorrow situation. It can leave a footprint that complicates future applications at Mercury or other US banks. Getting it right the first time isn't just more convenient - it protects your LLC's standing with US financial institutions going forward.

We Built This Service Because We Kept Seeing the Same Founders Stuck at the Same Point.

Our assisted setup service stops every one of these failure points before they happen. Start with a free eligibility check - no commitment required.

Why Relay

Why Relay Is One of the Best Banking Choices for US LLC Owners

For founders who do qualify, Relay is genuinely one of the most useful banking tools you can set up for a US LLC. It's not just an account - it's a structure that helps you run the financial side of your business cleanly from day one.

Here is what you get:

Up to 20 Sub-Accounts
Up to 20 individual sub-accounts under one LLC - useful for Profit First accounting, separating tax reserves, operating costs, payroll, and profit into their own buckets.
Profit First Ready
Zero Monthly Fees
Zero monthly fees, no minimum balance requirements - no maintenance costs eating into your margins. A real fee-free banking solution.
No Hidden Costs
FDIC Insured $3M
FDIC insured up to $3 million through Relay's partner banks - significantly higher than the standard $250K limit at most banks.
3x Standard Coverage
Tool Integrations
Integrations with QuickBooks, Xero, Gusto, Stripe, and other tools your business likely already uses. Connect your entire financial stack.
QuickBooks, Stripe & More

Physical and Virtual Visa Debit Cards

Physical and virtual Visa debit cards per sub-account - giving you full control over spending by category, department, or project.

International Wire Transfers

International wire transfers supported - send and receive payments globally without the restrictions common to challenger banking alternatives.

Automated Savings and Transfer Rules

Automated savings and transfer rules between accounts - set rules to automatically move funds to tax or profit buckets as money arrives.

100% Online - No Branch Visits

100% online - no branch visits, no in-person requirements. Manage everything from anywhere in the world through Relay's web and mobile apps.

Expert Insight

For remote agency owners managing US client income alongside international team payments, Relay's sub-account structure is one of the only ways to automate tax set-asides for US obligations while keeping operating and payroll funds cleanly separated. Generic banks don't offer this level of built-in financial structure.

Relay Is the Best Tool - But It Has the Highest Bar for Non-Residents

Worth saying before we get into the setup process: Relay is excellent, but it's also one of the strictest options for non-resident founders. The features are worth it if you qualify. But qualifying takes more than an LLC and good intentions. This is why assisted setup makes sense. The goal isn't just filling out a form. It's making sure everything lines up before you submit, so the application doesn't come back with problems that are harder to fix the second time around.

Our Process

How We Support Your Relay Bank Account Setup

Here is how it works when you engage us - a clear, five-step process from eligibility to post-approval orientation.

1
Step 1
Eligibility Assessment
We look at your residency, LLC details, EIN status, and ID documentation to confirm whether Relay is the right path for you. No guesswork, no wasted time.
2
Step 2
Document Preparation
We help you gather and format the exact documents Relay's KYC process requires - including guidance on the US operational address requirement that catches most applicants off guard.
One thing worth knowing: not all virtual office addresses pass Relay's review. Addresses shared across hundreds of businesses - the kind that show up on Google Street View as a shipping store or a mailbox service - are increasingly flagged during KYC. We help you identify an address that actually qualifies.
3
Step 3
Application Walkthrough
We guide you through the Relay application interface, making sure each field is filled in correctly and your KYC submission is clean, complete, and consistent from start to finish.
4
Step 4
Follow-Up and Approval Support
If Relay requests additional documentation or clarification after submission, we handle that communication and response on your behalf. You don't have to figure out what they need or how to respond correctly.
5
Step 5
Post-Approval Orientation
Once your account is approved, we walk you through setting up your sub-account structure, naming conventions, and integrations with your existing tools like QuickBooks, Stripe, or Wise.
Ready to get started?
Start Your Relay Setup - Book a Free Consultation
No commitment required. We'll walk you through everything in the first call.
Service Scope

What Is Included in the Relay Setup Service

Here is exactly what you get when you work with us:

Initial Eligibility Screening Call (30 minutes)
A dedicated 30-minute call to assess your residency, LLC status, and documentation before any application steps begin.
Document Checklist Tailored to Your Situation
A personalized checklist built for your specific situation - whether you're an NRP, resident, or US-based founder.
KYC Document Review and Formatting Guidance
We review your documents and advise on formatting requirements before submission - so nothing gets flagged on the other side.
Operational Address Review
Confirming your address meets Relay's actual verification standards, not just the basic requirement - including flagging shared mailbox addresses that get rejected.
Application Walkthrough Session
Live or recorded, based on your preference - we walk through the Relay application interface together to ensure every field is correct.
Post-Submission Follow-Up Support (14 Days)
We stay with you for up to 14 days after submission to handle any additional requests or clarifications from Relay's review team.
Sub-Account Structure Recommendation
A recommended sub-account structure based on your business model - whether you're running an agency, SaaS, or e-commerce operation.
Integration Guidance
Guidance for connecting QuickBooks, Stripe, or Wise to your new Relay account after approval.
Not included:

This service does not include legal advice, tax filing, or LLC formation. It is a banking activation and compliance navigation service.

Everything You Need

From eligibility to post-approval

Eligibility screening call (30 min)
Tailored document checklist
KYC document review
Address verification check
Live application walkthrough
14-day follow-up support
Sub-account structure plan
QuickBooks / Stripe / Wise setup
3-7
Days avg. approval time
14
Days post-submission support
Or message us on WhatsApp
Banking Comparison

Relay vs. Other Banking Options for US LLC Owners

If you've been comparing options, here's a straightforward breakdown of how Relay stacks up against the most common alternatives for international LLC owners:

Relay Recommended Mercury Wise Business Traditional US Bank
Monthly Fee None None Low fee Often $15-$25
Sub-Accounts Up to 20 Limited No No
Pakistan Resident Eligible No Restricted Partially No
SSN Required Yes (ITIN OK) Yes No (ITIN OK) Yes
KYC Difficulty
High
High
Low-Medium
Very High
Best For NRPs with US presence Tech startups International transfers US-based businesses

The KYC difficulty row matters. Relay's strictness is part of what makes it credible - it's a real bank account that US clients and payment platforms take seriously. But that same strictness means the setup process needs to be done properly.

If you're based in Pakistan without a US SSN or operational address, none of the options above are likely to approve your application. That's not a gap in this table - that's the reality most guides avoid saying out loud. Our dedicated banking service for US LLCs exists for exactly this situation.

Explore our banking service for NRPs Mercury vs. Relay for non-resident LLC owners

Ready to confirm your eligibility?

We'll tell you exactly which banking path works for your situation.

Explore NRP Banking Options
Who It's For

Who Uses Our Relay Bank Account Setup Service

This service was built around a specific type of founder. If any of these sound like you, you're in the right place:

01
Digital Agency Owner
Agency Owners Accepting USD Client Payments
Digital agency owners with a US LLC accepting USD client payments from international clients - needing clean US accounts that US platforms recognize.
02
NRP Freelancer
NRP Freelancers and Consultants in UAE, UK, or Canada
NRP freelancers and consultants operating through a Wyoming or Delaware LLC from UAE, UK, or Canada - who need banking that works with their location.
03
SaaS Founder
SaaS Founders Needing Clean USD Accounts for Stripe
SaaS founders with a US entity who need clean USD accounts for Stripe payouts - where the banking quality affects payout velocity and trust.
04
E-commerce Seller
E-Commerce Sellers Using Shopify or Amazon with a US LLC Structure
E-commerce sellers using Shopify or Amazon with a US LLC structure - where clean banking is essential for marketplace payouts and payment processor approvals.
05
Remote Team Leader
Remote Teams with a US Parent Entity and International Staff
Remote teams with a US parent entity and international employees or contractors - who need sub-accounts for payroll, operating costs, and tax set-asides to be clearly separated.

Your Situation Not Listed?

If your situation isn't listed here but you have a US LLC and need banking clarity, the eligibility check will tell you what you need to know.

What Founders Say About Our Relay Setup Service
★★★★★

"As an NRP in Dubai with a Delaware LLC, I had no idea Relay would require an operational address. They flagged this before I even applied and helped me sort out the right setup. Account approved in 6 days."

A
A.R.
Digital Agency Owner, Dubai
★★★★★

"I had tried to set this up myself twice and got stuck at the KYC stage both times. Turns out my documents were formatted incorrectly and my address type was wrong. One session fixed everything."

S
S.K.
SaaS Founder, UK
★★★★★

"They told me upfront I would not qualify for Relay because of my residency. Instead of wasting my time, they pointed me to the right NRP banking option. That honesty alone made the difference."

M
M.F.
E-commerce Seller, Karachi
FAQ

Frequently Asked Questions About Relay Bank Account Setup

The questions founders ask most before getting started - answered directly.

Still have questions? Our free eligibility check covers your specific situation - not generic scenarios.

Restricted Country

No. Pakistan is on Relay's restricted country list, which means if you're currently living there, your application won't go through - no matter how solid your LLC is or how clean your documents look. If you're an NRP living in the UAE, UK, or USA, and you have a valid SSN or ITIN plus a US operational address, you might qualify. We offer a free eligibility check to figure out exactly where you stand.

Document Checklist

Your LLC formation documents, your EIN confirmation letter from the IRS, a government-issued photo ID, your SSN or ITIN, and proof of a US operational address. Just having a registered agent address usually isn't enough for Relay's KYC requirements.

Address Requirement

A registered agent address is a legal service address - it's where official state correspondence goes, not where your business actually runs. A US operational address is a location where real business activity happens: a physical office, a coworking space, or a virtual office with a verifiable physical presence. Relay wants the latter. Widely shared mailbox or shipping store addresses are increasingly getting flagged during review. For more detail, see our guide on how to get a Relay-compliant US address for banking.

Timeline

When everything is complete and consistent, most applications get reviewed within 3 to 7 business days. Incomplete or mismatched submissions can drag that out by quite a bit - which is one of the main reasons founders use an assisted setup service.

Any State Eligible

Not at all. Relay works with US LLCs registered in any state. Delaware is popular for structural reasons, but Wyoming and New Mexico LLCs are equally eligible.

Alternative Options

We offer a dedicated banking service for NRPs and international founders who don't meet Relay's residency requirements. We'll point you toward banking solutions built for remote founders in your situation rather than leaving you without a path forward.

SSN or ITIN Accepted

Relay requires either an SSN or ITIN for the account holder. An ITIN is accepted as an alternative. If you have neither, Relay isn't the right solution for where you are right now.

Before You Start

Common Questions Before Getting Started

Honest answers to the things founders usually ask - or think - before deciding whether to use an assisted setup service.

“
Common Objection
"I can just do this myself - it is a simple online application."
Our Response

A lot of founders think that, right up until they hit the KYC review stage. The most common failure points - the operational address type, document formatting, the restricted-countries check - none of these are explained in Relay's onboarding. And a declined application isn't always a clean slate. It can affect how other US banks look at your LLC later. Our service exists to stop those failure points before they happen.

“
Common Objection
"What if I am not approved even after using your service?"
Our Response

If our eligibility assessment determines you don't qualify for Relay, we tell you upfront and redirect you to a banking solution that actually works for your situation. We don't walk clients through a process we already know will fail.

“
Common Objection
"Is this service legitimate and compliant?"
Our Response

Yes. We don't assist with KYC workarounds, fake addresses, or any attempts to get around Relay's restricted-country list. Every step sits within Relay's compliance framework and US banking regulations.

“
Common Objection
"Why can't I just use a different bank?"
Our Response

You can, and we can help with that too. But for LLC owners who do qualify, Relay's fee-free multi-account structure is one of the most operationally useful tools available. If Relay is the right fit, it's worth setting up correctly the first time.

Our Commitment to You

If our eligibility assessment determines that you don't qualify for Relay, we won't charge you for a setup service you can't use. We'll redirect you to the right solution at no additional cost.

We don't promise Relay approval - nobody can guarantee a bank's decision. What we do promise is that if you're eligible, your application will be submitted correctly, completely, and compliantly.

No charge if you don't qualify
Honest eligibility assessment
Zero KYC shortcuts
Redirected if Relay doesn't fit
Get Started Today

Ready to Activate Your
US Business Banking?

Whether you qualify for Relay or need a different path, we'll tell you exactly where you stand - for free.

No commitment required
No generic advice
Just clarity
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No commitment required. No generic advice. Just clarity.

🌍

Not eligible for Relay?

We offer dedicated banking solutions built for NRPs and international founders who don't meet Relay's residency requirements.

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500+
US LLCs Activated
12+
Countries Served
3-7
Days Avg. Approval
14
Days Support After Submission

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