A Written Bank Verdict In 15 Business Days, Or Your Money Back
Most non-residents pay for a full business bank account setup and only learn at the end whether a bank will say yes. This reverses the order. We package your file, put it in front of real U.S. banks, and deliver a written verdict with a deadline attached to it.
Flat fee: 800 USD. Credited in full toward the full U.S. business bank account setup if you proceed within 60 days.
Get Your Written Verdict, 800 USD- 15 business day deadline
- Full refund if we miss it
- 800 USD credited in full
What You Are Guaranteed
You are not paying us to sit and wait. The engagement has a deadline, a deliverable and a refund clause. Everything below is written into the engagement letter that arrives with your invoice, not offered as marketing language.
Verdict in 15 business days, or refund
The clock starts the day payment and a complete file are both received. If the Pre-Screening Memorandum is not in your inbox within 15 business days, the 800 USD is refunded in full.
If no bank engages, you do not pay
If we cannot obtain a substantive response from at least one bank or banking partner on your file, the 800 USD is refunded in full and you keep any work product already issued.
The credit is contractual
The 800 USD credit toward the full business bank account setup is written into the memorandum itself. Proceed within 60 days and it comes off the setup fee in full.
If our verdict does not hold, we re-route
Where we name a specific bank in a positive verdict and that bank later declines the formal application on materially the same file, we re-route to an alternative bank at no additional advisory fee. If the verdict is conditional or negative, we re-review your updated file once within 12 months at no charge.
How It Works
1. Pay And Submit
Complete the intake and pay the 800 USD. The 15 day clock starts the moment your file is complete.
2. Packaging And Gap Analysis
Your LLC documents, ownership file, business evidence and payment flows are rebuilt into a bank-ready file.
3. Bank Introduction
We put the file informally in front of up to two suitable U.S. banks at relationship manager level to test appetite.
4. Written Verdict
A memorandum setting out banks approached, feedback received, any soft indication, and the exact remediation path.
Pricing
One-time flat fee, paid at checkout. Covers intake, file packaging, gap analysis, bank soundings and the written memorandum.
Credited in full against the full U.S. business bank account setup if you proceed within 60 days. Written into the memorandum.
| Included | Not Included |
|---|---|
| File packaging and gap analysis | LLC formation, state filing or registered agent services |
| Informal soundings with up to two banks | Formal bank application or signed account mandate |
| Written memorandum and remediation plan | Nominee director or local officer appointment |
| Route recommendation and 800 USD credit | EIN, tax filings, cards, credit or merchant underwriting |
A soft indication of interest is a relationship level signal, not a bank decision. It is not a pre-approval or a commitment by any institution.
Terms
- 800 USD flat fee, payable at checkout before work begins. Non-refundable once work has begun, except where one of the guarantees above is triggered.
- 15 business day deadline runs from the date payment and a complete file are both received. An incomplete file pauses the clock, and we tell you exactly what is missing.
- Credited in full toward the full business bank account setup only if you proceed within 60 days of the memorandum date.
- No formal bank application is submitted without your written instruction. Pre-screening is informal by design.
- No guarantee of account opening at the formal application stage. The guarantees cover our delivery and our verdict, not the bank's final decision.
- Transparency only. Cannot be used to conceal beneficial ownership, mislead banks, bypass licensing rules or evade compliance review.
Start Your Pre-Screening
Complete the intake and pay the 800 USD flat fee. Your 15 day clock starts the day your file is complete.
Proceed To Intake And CheckoutIntake And Checkout
US Business Bank Account Pre-Screening
Flat fee of 800 USD
Credited toward the full setup within 60 days.
- Written verdict in 15 business days
- Refund if the deadline is missed
- Refund if no bank engages
- 800 USD credited in full
- Credit valid 60 days from memorandum
Frequently Asked Questions
What happens if you miss the 15 business day deadline?
The 800 USD is refunded in full. The deadline is written into the engagement letter, not just stated on this page. The only thing that pauses the clock is an incomplete file, and we tell you exactly what is missing.
Is the fee refundable outside the guarantees?
No. Once work has begun the fee is non-refundable, except where the deadline guarantee or the no-bank-engagement guarantee is triggered. If you proceed to the full setup within 60 days, the 800 USD is credited in full regardless.
Does a positive verdict guarantee the account opens?
No bank can guarantee that, and you should not trust anyone who does. What we guarantee is our delivery, our verdict and our re-routing. If a named bank declines on materially the same file, we re-route at no additional advisory fee.
Do I need a U.S. LLC before applying?
Not necessarily. If you already have one we package and test it. If you do not, we tell you at verdict stage whether forming one would realistically change the outcome.
Disclosure. FG Capital Advisors is not a bank, law firm, tax adviser, gambling licensing adviser, payment processor or regulated money services provider. The 800 USD fee is a professional service fee for file packaging, gap analysis, informal bank introductions and a written memorandum. It is non-refundable once work has begun, except where the 15 business day delivery guarantee or the no-bank-engagement guarantee is triggered, and is credited toward the full setup only if you proceed within 60 days of the memorandum date. Pre-Screening does not guarantee a soft indication of interest, a formal application, business bank account opening, card approval, trade finance approval, line of credit approval, payment processing approval or acceptance by any U.S. financial institution. All engagements are subject to KYC, KYB, AML, sanctions screening, source of funds review, source of wealth review, tax review and applicable law.
