From our own experience as immigration lawyers, along with email & telephone correspondence, we have come to the conclusion that a non-resident of the US would usually want to open a US bank account for one of the following reasons:

1. To deposit USD checks. These checks usually come from affiliate commissions and other internet earnings. If you deposit the checks at your local bank account, they'll charge you a high transaction fee, which comes up to around USD $10 per check. That means if you deposit 1 check every month, you will need to pay USD $120 just for bank fees every year. If you receive a check with a small amount, say $30 and your bank takes away $10 from it, you will be left with $20. 33% of your profit is gone for no good reason! By having a US bank account, you can now deposit unlimited USD checks for FREE. If you usually deposit 12 checks per year through your local bank, you stand to save up to $120 per year.

Your local bank would also take around 4 to 6 weeks to cash a USD check because they need to send your check back to the US bank that issued the check! By having your own US bank account, you can quickly mail your check back to them and have it cashed once they have received it.

2. To withdraw your PayPal funds. You can be paid via PayPal for various reasons. This is especially true when you are selling something online either directly through your websites or eBay. If you do not have a US bank account, there is only one way to use your PayPal funds, which is to use it online through other PayPal merchants. By having a US bank account, you can withdraw your PayPal funds and then use the money anyway you want. Having a US bank account also allows you to fully activate and verify your PayPal account.

3.  To Bank and do Business Offshore.  With globalization the way it is and Internet transactions surging to record levels annually, having a U.S. Bank Account has become a number one priority for non-U.S. residents.  Nearly every country compares their currency against the dollar, and most International Businesses only deal in U.S. Currency.  With a non-resident U.S. Bank Account, you'll put yourself in a position that will ensure your long term business success and viability, because when your purchase goods & services worldwide, your payment is received instantaneously and securely.  When you want to wire or transfer your funds, you don't need to go to the bank and wait in long lines.  Simply login to your bank account online and initiate a money transfer for FREE.  When you deposit a check drawn from a U.S. Bank, your check will clear within 1-3 business days.  Fortunately, with a U.S. Federally Regulated Bank Account, there are no astronomical banking fees assessed against personal & checking accounts and no risk of the government swooping in and freezing your account for no reason...

Here's the average welcome kit you'll get with your account (you have to ask for your checks and debit card once you have your account open):

Why would you want a US Bank Account?

If you are selling using PayPal, Ebay, 2Checkout, Stormpay or any other common payment service, you know how expensive and time consuming is to get your funds in your country.

Getting checks emailed to you can cost anywhere from USD$ 5,00 to USD$ 30,00 plus the charges that your local bank will takes for the international deposit.

There are some services that wire the money to your local bank but there are not cheap, if available.

But the most important of all problem of all... "time".

It can take weeks or even months to see your money. Especially if you sell occasionally and your payment service has a high minimum requirement before they send you the checks (PayPal requires USD$ 150,00 plus USD$ 12,00 for mailing costs).

Let's face it.

If you use PayPal or Ebay to make some money occasionally.
You need a US Bank Account.

If you have, or want to have, clients in the U.S.
You need a US Bank Account.

If you want to make serious business in the Internet.
You need a US Bank Account.

There are 3 ways you can open an account in the US:

How to Open an US Bank Account - Expensive Method

You can search in your local city if there is a bank that gives this service. In our home town they ask for tons of papers and references. And a minimum deposit from USD$ 2000,00 to even USD$ 50,000,00 (Yes, you read it right, fifty-thousand!).

How to Open a US Bank Account - Never ending Method

You can also spend weeks and months researching the internet. Visiting site after site, asking bank after bank, making phone calls and sending emails just as most non-residents do.

Banks will give you answer like:

• "You need a Social Security Number."
• "You need a US Address."
• "You need notarized documents."
• "You need to come to US to sign some papers."

We have clients that spent years.... that's right, YEARS trying to find out how to open a US Bank Account fast and without all the problems.

Finally, if you are lucky enough to view this web site,

How to Open an US Bank Account - The right way

Simply get all the information in less than 2 minutes. Fill up the forms and send it to the bank along with your passport. (¡You don't have to send me anything!)

In 7 days you will have your bank account in the US. It's that simple.

Now, that's a good way to do it.

And here are some other reasons to open a US Bank Account for non-residents.

• So you can receive payments from USA citizens easy and fast. Plus, you can use the money right away.
• So you can transfer your money from PayPal and take it out from any VISA ATM machine.
• So you can make investments in US and International Companies.
• So you can get a FREE US check book
• So you can shop on line or at any establishment that accepts VISA.

Plus,

• You can open your account just with a copy of your passport.
• You can open your account in 7 days or less. FAST and SECURE.
• You can keep your account with NO MINIMUM
• You have our full 45 DAYS MONEY BACK GUARANTEE

| H.I.R. Investments | Legal Notice/Disclaimer

P.O. Box 852, Hampton, NH 03843 - U.S.A.

LIST OF US BANKS