Opening a Business Bank Account in Dallas-Fort Worth (DFW) for Non-Residents – 2025

Opening a business bank account is one of the first steps for any newly formed company in Dallas-Fort Worth. Many international founders and small business owners find US banking requirements confusing, especially as documents and procedures can vary between banks and even across local branches. As a Texas-based CPA firm working with startups and cross-border clients, we’re sharing the latest practical tips as of 2025.

1. Who Needs a Business Account in DFW?

• New LLCs, corporations, or small businesses

• Non-resident or foreign-owned companies

• International sellers and e-commerce teams needing US banking for payment and tax compliance

2. What Do You Need to Prepare?

1. Certificate of Formation/Articles of Organization

2. IRS EIN acceptance letter

3. Operating Agreement (some branches require it)

4. Valid photo ID for owners/managers (passport, US driver’s license, etc.)

5. Proof of US business or mailing address (utility bill, lease, Amazon delivery slip, etc.)

6. Some banks require you to visit in person, so call ahead if you\’re outside the US

7. These materials may vary according to certain regulation, contact us today for professional help!

3. Steps and Reminders

1. Book an appointment and prepare all documents

2. Visit the branch, present your paperwork, and complete forms

3. Be ready to explain your business activity, source of funds, and estimated transactions (for compliance)

4. Most accounts are active the same day; you may get debit card and online banking access right away

5. Ask about monthly fees, minimum balance, transfer rules, and ongoing requirements before leaving

4. Tips

• PO box or virtual addresses are often NOT accepted—you need a real office or residential address

• Non-resident owners should check if the branch is familiar with international clients as some are stricter on non-citizen IDs

• Local banks may offer easier processes and better service for small businesses

• Since 2025, big banks are more thorough on cross-border account reviews; have paperwork in order and don\’t hesitate to call multiple branches if you hit roadblocks

5. Final Thoughts

With good preparation, opening a business bank account in Dallas-Fort Worth (DFW) is straightforward and usually takes less than an hour. If you\’re unsure about any step, consult an experienced CPA or local advisor. Got questions? Feel free to reach out to us or leave a comment. We\’re happy to help you connect with local banking resources and save time!