I tried opening a US business account in 18 EMIs, here's the result

[rss]

I ended up only using Airwallex.

When did you open the account? Me and many others keep getting rejected for no apparent reason, almost as if they are trying to not onboard any new customers

 

[disagree]

When did you open the account? Me and many others keep getting rejected for no apparent reason, almost as if they are trying to not onboard any new customers

Same here... But I know that they accept people when you get introduced by other customers with a direct contact to a airwallex rep.

 

[daniels27]

I never got rejected.

 

[rss]

I never got rejected.

When did you apply

 

[daniels27]

Last year, this year

 

[rss]

Last year, this year

That would explain why you didn't get rejected.
Both Airwallex and Zen have been rejecting everyone for no reason last couple months...

 

[disagree]

That would explain why you didn't get rejected.
Both Airwallex and Zen have been rejecting everyone for no reason last couple months...

Yeah, I got rejected 3 times, around between 3 and 1 month ago.

 

[daniels27]

All working fine here with real companies paying taxes.

 

[rss]

Good for you, but if you apply with your real companies paying taxes NOW, you'd get rejected just like everyone else with real companies paying taxes.

 

[ilke]

Both Airwallex and Zen have been rejecting everyone for no reason last couple months...

Not no reason

 

[daniels27]

They accepted another one last week.

 

[Forester]

– Second answer
In USA each state has own register where from you can provide the exact link and as well official registry extract in English signed by registry e-signature.

I am not sure whether this is true for all 50 states so neither for the state of yours (you have not mentioned it) but generally it is well understandable (and doable, for the states where this works).

I sent him the page about my company in my state website, where you can search for your company,

Wrong. You were asked for the exact link.

but they answered: "as we mentioned above it is not sufficient."

Do not expect bank monkeys to search on their own initiative.

It looks like they're trying to find a official page/document where they can see both the company name and the beneficial owner name.

I do not understand it this way. They did not say anything like this (and they do not need it).
BTW, they did not mention UBO but shareholder.

In most cases a notarized and apostilled Certificate of Incumbency does the job. Have you checked that?

Exactly. If the registry of your state does not provide the direct link, this can work well. They might also wonder about your Articles of Incorporation (Articles of Association, Operating Agreement). (Notarized and apostilled of course.) They are not obligatory in all states but it is always worth having it.
Bottom line: Yes, in the named documents the company's director and shareholders have to be quoted. Forget about anonymity of US LLCs; if the anonymity is your goal, you are walking on a wrong path.

Yes, the Resignation of Organizer and the operating agreement can do it too. But those are normally not apostillable.

Not apostillable? Are you sure? For what reason? In general, any document that can be notarized should be possible being apostilled, an apostille is nothing more than the internationally acknowledged validation that the person who notarized a document had the power to do it in the relevant country, simply said...

Both Airwallex and Zen have been rejecting everyone for no reason last couple months...

I can confirm I witnessed the onboarding a new customer with Zen really a few months ago (a US LLC, BTW).

 

[disagree]

for the state of yours

Mine is Wyoming.

exact link

I sent them the exact link and they answered it was not sufficient. But yeah, I suppose I can try with the other documents @daniels27 was talking about.

Do you guys know how I can get those apostilled?

 

[Forester]

Mine is Wyoming.


I sent them the exact link and they answered it was not sufficient.

Oh well. In the case of WY this is well understandable. There is no information about shareholders in the WY register, IIRC – and they explicitly had asked for it.

A side-note: From their responses it is possible to judge that they are accustomed to onboard US LLCs, in general. It seems that they know what they are speaking about.

 

[disagree]

Oh well. In the case of WY this is well understandable. There is no information about shareholders in the WY register, IIRC – and they explicitly had asked for it.

A side-note: From their responses it is possible to judge that they are accustomed to onboard US LLCs, in general. It seems that they know what they are speaking about.

So do you think there is a workaround for this with these certificates?

 

[daniels27]

So do you think there is a workaround for this with these certificates?

EIN letter which lists responsible party?

 

[disagree]

EIN letter which lists responsible party?

Already attached it the first time, not sufficient

 

[daniels27]

Not apostillable? Are you sure? For what reason? In general, any document that can be notarized should be possible being apostilled, an apostille is nothing more than the internationally accepted validation that the person who notarized a document had the power to do it in the relevant country, simply said...

The Certificate of Incumbency is typically issued by a notary, while the others are issues by the company itself. Typically you can only get an apostille for a document from the state of issued by a notary. Hence for the operating agreement you could get a notarized copy which you can then apply the apostille.

That's what I meant. The chances of them accepting a statement from a notary is higher than having a notary certifying a copy of something that could be faked.

 

[Belfort]

When did you open the account? Me and many others keep getting rejected for no apparent reason, almost as if they are trying to not onboard any new customers

March. I know they've been limiting people, since someone with the same setup as mine was rejected in June.

 

[EliasIT]

Not no reason
View attachment 8388

Zen has done that for the last year at least.