US Nominee Director Services & Bank Account Opening For Non-Residents
Apply for a U.S. local branch, nominee director and commercial banking setup designed for non-resident founders, foreign companies and international businesses that need credible access to U.S. banking.
The objective is not to fool compliance. That is the wrong game. Banks already look for beneficial ownership, control, business activity, source of funds, counterparties and expected payment flows. A better structure is transparent: establish a U.S. local branch or operating presence, disclose the real owners, appoint a controlled nominee director or local officer where appropriate, and present the bank with a file that makes commercial sense.
Submit ApplicationWhat This Service Is Built For
This package is for non-residents who need more than a basic fintech account. It is designed for companies seeking commercial banking, debit and credit cards, trade finance discussions, supplier payments, merchant review, working-capital lines, treasury controls and U.S.-facing payment credibility.
U.S. Local Branch Setup
Foreign company registration or U.S. operating presence coordination, state filing support, registered agent coordination, EIN support and bank-facing documentation.
Nominee Director / Local Officer
Nominee or local officer support for governance paperwork, bank onboarding, local administration and structured communication with financial institutions.
Commercial Banking Package
Preparation of a bank file covering ownership, activity, counterparties, expected flows, contracts, invoices, payment needs and credit requirements.
Why A Local Branch Is Better Than A Fake Local Profile
Non-residents often try to solve U.S. banking problems with weak shortcuts: virtual addresses, hidden control, fake operating stories, borrowed signatories or nominee-only structures that do not match the real business. Banks reject these files because the risk is obvious.
A U.S. local branch gives the application a cleaner explanation. The foreign company can show a U.S. registration footprint, local contact point, formal governance file, U.S. banking purpose and disclosed beneficial ownership. The nominee director or local officer supports administration and bank-facing process without pretending to be the hidden owner of the business.
How The Nominee Director’s Fund Access Can Be Restricted
A serious nominee arrangement should not give one person uncontrolled access to client funds. The nominee’s role can be limited through written authority schedules, corporate resolutions, bank mandates, dual-approval procedures, transfer thresholds, no-card policies, segregated operating accounts and treasury approval workflows.
| Control | Purpose |
|---|---|
| Limited Bank Mandate | Allows the nominee to support account administration without full unilateral control over funds. |
| Dual Approval | Transfers above a set threshold require approval from the client or another authorised person. |
| No Card Or Wire Authority | The nominee can be excluded from debit cards, credit cards, outbound wires or treasury release rights where the bank allows it. |
| Segregated Accounts | Operating funds, reserves and transaction funds can be separated to reduce misuse risk. |
| Written Authority Schedule | The nominee’s powers, limits and administrative role are documented before bank onboarding begins. |
Final account permissions depend on the bank’s own mandate rules, online banking tools and compliance policy.
Commercial Banking Needs Covered
Business Bank Accounts
Operating accounts for foreign-owned companies with U.S. business reasons, international counterparties and documented payment flows.
Credit Cards
Support for business card applications, expense controls, subscription payments, travel spend, procurement and supplier payments.
Trade Finance
Preparation for LC, SBLC, documentary collection, supplier payments, import finance, export finance or transaction banking review.
Lines Of Credit
Packaging for working capital lines, receivables-backed requests, inventory finance or bank credit review.
Merchant Review
Banking narrative and documentation support for online businesses, settlement flows, subscriptions, card processing and platforms.
High-Risk Sectors
Gambling, gaming, forex, crypto-adjacent, adult, CBD and other higher-risk activities can be reviewed if lawful and documented.
Businesses Supported
We support importers, exporters, commodity traders, e-commerce companies, SaaS businesses, agencies, consulting firms, procurement companies, logistics operators, online platforms, gambling and gaming businesses, payment-heavy companies and other international businesses with real U.S. banking needs.
Gambling and other higher-risk industries are supported for review and structuring, but bank acceptance is not guaranteed. If the U.S. route is not realistic, we can review alternative offshore or international banking setups, subject to a custom quote.
Pricing
One-time setup fee. This covers the U.S. local branch or operating presence coordination, nominee director onboarding, banking package preparation and commercial banking application support.
Annual renewal from year two: 3,500 USD annual maintenance fee plus 5,000 USD annual nominee director fee.
After application submission, FG Capital Advisors will issue an invoice. Work begins after payment, onboarding and requested documents are received.
Timeline
| Phase | Indicative Timing | Workstream |
|---|---|---|
| Application & Invoice | 1 to 3 business days | Application is received, scope is checked and invoice is issued. |
| Onboarding & Document Collection | 3 to 7 business days after payment | KYC, KYB, ownership file, business evidence and banking objectives are collected. |
| U.S. Local Branch / Operating Setup | 10 to 21 business days | State filing, registered agent coordination, EIN support and governance documents. |
| Nominee Director Setup | 5 to 10 business days after onboarding file approval | Nominee authority, limits, resolutions and bank-facing documents are prepared. |
| Banking Applications | 30 to 90+ days | Bank review, compliance questions, document requests and final account-opening decision. |
| Credit, Cards And Trade Finance | 60 to 120+ days after banking traction | Subject to revenue, collateral, account activity, financial statements, credit policy and underwriting. |
What We Need From You
Ownership File
Company documents, shareholder register, UBO IDs, director details, group chart and proof of address.
Business Evidence
Website, contracts, invoices, licences where applicable, supplier list, customer list and explanation of expected U.S. flows.
Banking Objectives
Required account type, expected monthly volume, countries involved, currencies, card needs, credit needs and trade finance use case.
Apply For The U.S. Nominee Director & Banking Setup
Submit your application for the U.S. local branch, nominee director and commercial banking setup. After receiving your application, we will issue an invoice for the service. Work begins after payment and onboarding documents are received.
Submit ApplicationSubmit Your Application
Complete the application below. After submission, FG Capital Advisors will issue an invoice for the applicable setup fee. Bank account opening, credit cards, trade finance and lines of credit remain subject to bank review, compliance approval and underwriting.
Frequently Asked Questions
Can a non-resident apply for U.S. commercial banking through this service?
Yes. The service is designed for non-residents and foreign-owned businesses that need a U.S. local branch or operating setup, nominee director support and a commercial banking file.
Do you guarantee bank account opening?
No. Banks make their own decisions based on ownership, industry, documentation, geography, expected flows, licensing, compliance risk and internal policy.
Are gambling businesses supported?
Yes, gambling and gaming businesses can apply where the activity is lawful, licensed where required and properly documented. Acceptance by U.S. banks is not guaranteed.
When do we pay?
Submit the application first. FG Capital Advisors will issue an invoice for the service. Work begins after payment and onboarding documents are received.
Disclosure. FG Capital Advisors is not a bank, law firm, tax adviser, gambling licensing adviser, payment processor or regulated money services provider. This service does not guarantee bank account opening, credit card approval, trade finance approval, line of credit approval, payment processing approval or acceptance by any U.S. financial institution. Nominee director services must not be used to hide beneficial ownership, mislead banks, bypass licensing rules, conceal regulated activity or evade compliance review. All structures are subject to KYC, KYB, AML, sanctions screening, source-of-funds review, source-of-wealth review, tax review and applicable law.
