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Which address will your bank accept for a US LLC?

Online banks ask for two addresses: a legal one (from your formation documents) and a physical one (where you run the business). Mercury, Relay, Wise and Brex all refuse P.O. boxes and mailbox services for the physical address; Relay accepts a registered agent as the legal address, while Mercury’s own articles disagree.

Checked against the providers’ and states’ own pages on 20 October 2026

Mercury

How you apply: Online, non-residents accepted

Legal / registered address: Formation-document address: HQ or registered agent; not a P.O. box, PMB or virtual office.

Physical / operating address: Where the business operates — office or home, US or international. Not a registered agent, P.O. box, PMB or virtual office.

Proof: Residential address may need a utility bill or bank statement from the last 90 days.

Where sources disagree: Two Mercury help articles disagree on whether a registered agent address may be the legal address. Ask support before applying.

support.mercury.com · support.mercury.com, checked 20 October 2026

Relay

How you apply: Online, non-residents accepted

Legal / registered address: A registered agent address is accepted, including for non-US residents.

Physical / operating address: A second, operating address is required: home or office, domestic or international. Not a registered agent, P.O. box or virtual mailbox.

Proof: Personal address must be residential; Relay lists utility bills, leases and similar. Statements from some fintechs (Revolut, Mercury, Bluevine) are not accepted as proof.

support.relayfi.com · support.relayfi.com, checked 20 October 2026

Wise Business

How you apply: Online

Legal / registered address: Registered address: the address on the formation document — may be a registration agency or attorney.

Physical / operating address: Trading address must be a physical location. P.O. boxes, mail forwarding, virtual offices, attorney offices and registration agencies are not accepted; coworking is.

Proof: Wise may ask for documents.

wise.com help: “How does Wise verify my business address” · wise.com help: “Verify your US business”, checked 20 October 2026

Brex

How you apply: Online

Legal / registered address: US incorporation, EIN and a US billing address.

Physical / operating address: US physical address required. No P.O. boxes, PMBs or mailbox services. A virtual (street) address is allowed for international founders; otherwise an owner needs a verifiable US presence.

Proof: Utility bill, lease or bank statement showing a physical address.

brex.com, checked 20 October 2026

Chase

How you apply: Usually in person at a US branch

Legal / registered address: Formation documents and EIN (or SSN/ITIN).

Physical / operating address: Chase’s checklist lists proof of address as possibly required; the address rule for foreign owners is not published.

Proof: Varies by state of organisation.

Where sources disagree: Third-party guides say a US residential address is generally needed; Chase does not publish this.

chase.com, checked 20 October 2026

Bank of America

How you apply: In person

Legal / registered address: Formation documents and EIN.

Physical / operating address: Owners need a physical residential address; passport details for foreign persons.

Where sources disagree: Bank of America’s small-business document says one owner or controlling manager must be a US citizen or resident — a fully foreign-owned LLC does not qualify on that rule.

resources.bankofamerica.com, checked 20 October 2026

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Sources

Address & mail for your US LLC

FAQ · 3 questions

Frequently asked questions

Not as the legal or physical address: Mercury’s help centre excludes P.O. boxes, PMBs and virtual offices. For the physical address it accepts a home or office, including outside the US.

Yes, as the legal business address, including for non-US residents — but Relay also asks for an operating address that is not a registered agent, P.O. box or virtual mailbox.

Neither publishes an online route for foreign-owned LLCs. Bank of America’s small-business document requires one owner or controlling manager to be a US citizen or resident.