Access to U.S. banking is no longer reserved for American residents or large corporations. In 2026, Caribbean entrepreneurs can legally open U.S. business bank accounts—even without living in the United States—thanks to fintech innovation, neobanks, and proper U.S. business structuring.

With the right setup, business owners from Trinidad and Tobago, Jamaica, Barbados, The Bahamas, Guyana, St. Lucia, Grenada, and across the Caribbean can operate in the world’s strongest economy and get paid in USD with ease.

With support from Atlas Global Services Trinidad and Tobago Limited, Caribbean nationals can form a U.S. company (in Wyoming) and apply for a U.S. business bank account 100% remotely.

What Types of Businesses Do U.S. Banking Providers Accept?

Banking providers and fintech platforms each have their own compliance policies, but in general, they are open to low-risk, digitally driven businesses, including:

• E-commerce brands (DTC & B2C)
• Amazon FBA, Shopify, Etsy, eBay sellers
• Dropshipping businesses
• Software & SaaS companies
• Technology startups
• Digital marketing agencies
• Freelancers & consultants
• Online education & digital products
• IT and professional services

Many Caribbean founders in these sectors have successfully expanded into the U.S. market, gaining access to:

• U.S. payment processors
• American suppliers
• Global clients
• USD-based banking infrastructure

All without relocating.

Industries Commonly Restricted by U.S. Banks

To remain compliant with U.S. and international banking regulations, most banks will not support businesses operating in the following sectors:

• Adult entertainment
• ATM operation
• Cryptocurrency, NFTs, or tokenized assets
• Currency exchange & remittance services
• Debt collection or consolidation
• DAOs (Decentralized Autonomous Organizations)
• Telemarketing or direct marketing
• Gambling or gaming
• Money Services Businesses (MSBs)
• Nutraceuticals
• Payday lending
• Hate speech or extremist promotion
• Weapons or firearms sales
• Marijuana, cannabis, or CBD products

If your business falls into one of these categories, approval is unlikely—even with a U.S. company.

What Do Caribbean Nationals Need to Apply for a U.S. Business Bank Account?

Before applying for a U.S. business bank account, you must first have a U.S.-registered company. This is a non-negotiable requirement.

Once your company is formed (commonly a Wyoming LLC), banks will conduct a full compliance review. This applies to all applicants, including U.S. citizens.

Business Documents Required

• U.S. LLC or Corporation formation documents
• EIN verification (CP 575, 147C, recent business tax return, or IRS EIN confirmation)

Beneficial Owner Requirements

• Valid passport
• Proof of residential address
  • Utility bill or bank statement
  • Must match the applicant’s name
  • Must be in English or Latin characters

Business Description

You must clearly explain:

• What your business does
• How you make money
• Where your customers are located
• How you market and advertise
• Whether you operate in or outside the U.S.

Online Presence

Banks expect visibility and legitimacy. This can include:

• Business website
• Amazon, Etsy, eBay, or Shopify store
• Social media profiles
• Online portfolios or landing pages

⚠️ Each bank has its own internal compliance standards, so approval is never guaranteed—but these requirements represent the baseline for 2026.

How Caribbean Entrepreneurs Can Get a U.S. Business Bank Account

The process typically works as follows:

1. Form a U.S. company
   Atlas Global Services Trinidad and Tobago Limited helps Caribbean nationals register a U.S. company in Wyoming, fully remotely.
2. Prepare compliant documentation
   A properly structured company significantly improves banking approval rates.
3. Apply to a suitable banking provider
   The right bank or fintech depends on your business model, transaction volume, and growth plans.

Banks are far more likely to approve accounts for businesses that are:

• Properly formed
• Professionally presented
• Backed by a legitimate service provider

Why This Matters for Caribbean Business Owners in 2026

A U.S. business bank account allows you to:

• Receive payments in USD
• Access Stripe, PayPal, and U.S. merchant processors
• Work with American suppliers
• Build international credibility
• Scale globally without leaving the Caribbean

Ready to Get Started?

If you’re a Caribbean entrepreneur looking to expand into the U.S. market, Atlas Global Services Trinidad and Tobago Limited can guide you through:

• U.S. company formation (Wyoming)
• EIN registration
• Banking readiness and application support

The U.S. market is open—if you structure correctly.