A US company with foreign owners meets the same bank-side identity and beneficial-ownership rules as any US company, and a different route to an EIN. This page sets out what the US authorities themselves say.
What US rules govern account opening and payments for a company with non-US owners.
Banks and other covered financial institutions in the US operate under the FinCEN Customer Due Diligence rule, which shapes how they onboard legal-entity customers.
The United States is not in the EPC's list of SEPA scheme countries (version 8.0, 24 Dec 2025). SEPA schemes cover EU and EEA states plus 11 non-EEA countries; a US account does not itself hold SEPA status.
Federal Reserve Financial Services says only financial institutions, or agents acting on their behalf (such as payment processors or fintechs), can connect to its payment rails; a company therefore reaches ACH or Fedwire through a bank or provider, not directly.
FinCEN's current position (final rule issued 11 Aug 2026, effective 14 Aug 2026): US companies are exempt from BOI reporting and US persons need not report; only entities formed under foreign law and registered to do business in the US remain reporting companies. A Delaware LLC is US-formed, so it is exempt regardless of owner nationality.
CDD Final Rule — FinCEN
EPC list of SEPA scheme countries v8.0 (24 Dec 2025) — European Payments Council
FedACH Services — Federal Reserve Financial Services
Beneficial Ownership Information reporting — FinCEN
BOI FAQs — FinCEN
Fact sheet last reviewed 2026-09-28. Jurisdiction rules are confirmed against the sources above; a provider's own requirements differ and are confirmed by the provider.
Tell us about your structure, activity and payment needs — the essentials, not a full application.
We assess the structure and requirements against what providers typically accept before recommending a direction.
We identify a suitable regulated provider and explain what is realistically available for your case.
You complete official KYC/KYB directly with the regulated financial provider — not with Latynex.
The provider makes the final decision and activates the account. We stay involved if anything needs coordinating.
Latynex is not a bank or electronic money institution. Financial accounts and payment services are provided by independent, regulated financial institutions. Final eligibility and approval are determined by the selected provider, following its own KYC/KYB review.
The United States is not in the EPC's list of SEPA scheme countries (version 8.0, 24 Dec 2025). SEPA schemes cover EU and EEA states plus 11 non-EEA countries; a US account does not itself hold SEPA status.
FinCEN's current position (final rule issued 11 Aug 2026, effective 14 Aug 2026): US companies are exempt from BOI reporting and US persons need not report; only entities formed under foreign law and registered to do business in the US remain reporting companies. A Delaware LLC is US-formed, so it is exempt regardless of owner nationality.
Not yet on a confirmed basis — Latynex is expanding provider coverage here. Your case is still reviewed on submission; where a suitable match exists we make the introduction, and where one doesn't yet, we say so plainly rather than promising one.
No. Latynex is not a bank, EMI or payment institution. We review your case and, where suitable, introduce it to an independent, regulated financial provider who handles the account itself.
No. No introducer can guarantee a banking or payment-account decision. The provider you are introduced to runs its own KYC/KYB review and makes the final call under its own policies.
Typically: certificate of incorporation, register of directors and shareholders, proof of UBO identity and address, a description of business activity, and evidence of source of funds. Exact requirements vary by provider.
Setup and ongoing fees vary with jurisdiction, ownership structure, business activity, expected turnover and compliance profile. The provider discloses its fees before you proceed, and any Latynex advisory fee is disclosed separately.
No obligation — we review your case and respond with a straight answer.
Tell us about your company and payment needs — we review the case and point you to a provider genuinely suited to it.
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