企财盈集团提供美国公司/新加坡公司/日本公司/泰国公司/马来西亚公司/加拿大公司/墨西哥公司/巴西公司/英国公司/法国公司/新西兰公司//越南公司/印度尼西亚公司/迪拜公司等国外公司注册的相关工商财税服务，也提供香港公司/深圳公司/广州公司/上海公司/杭州公司/北京公司/海南公司等国内公司注册的企业服务，公司年审审计/记账报税/缴纳强积金/变更信息/银行开户/ODI备案/BVI注册/税务合规/跨境电商陪跑代运营等企业一站式服务，你有需要或感兴趣随时滴滴我（电话and微信咨询：13045886252）。

IRS大裁员27%！美国2026报税季恐陷“混乱”，退税不被卡必看

距离2026年4月15日的联邦报税截止日期日益临近，美国国税局（IRS）近日宣布了一项重大技术升级，旨在帮助会计师事务所和税务专业人士更高效地处理客户授权，减少纸质作业。

然而，这一“利好”消息的背后，却笼罩着2026报税季可能面临“巨大挑战”的阴影。

IRS推出数字新政：告别纸质授权，提速办案

根据IRS发布的最新公告，税务专业账户（Tax Pro Account）已完成扩容升级。这项新功能对于许多依赖专业会计师处理税务问题的移民家庭来说是一个好消息。

1）告别繁琐：会计师事务所现在可以将公司的集中授权档案（CAF）号码与雇主识别号（EIN）关联。这意味着，您的会计师可以实时在线申请和获取CAF号码，而无需像过去那样通过传真或邮寄漫长等待。

2）即时操作：税务代表现在可以代表客户在线即时查看或撤销授权，并直接在系统内为客户设置付款计划。

3）减少延误：IRS首席执行官Frank J. Bisignano表示，这一“利于纳税人”的变革将减少纸质提交，简化互动流程。

预警：2026报税季恐面临“严重拥堵”

尽管数字化工具上线，但国家纳税人权益维护官（National Taxpayer Advocate）在致国会的2025年度报告中发出了严厉警告：2026年的报税季可能对纳税人构成严峻挑战。

报告指出了造成这一局面的“三重打击”：

1）大规模裁员：IRS正面临27%的人员缩减，人手严重不足。

2）高层动荡：领导层的更替可能影响执行效率。

3）新法复杂：根据川普政府颁布的《一个大而美好的法案》（One Big Beautiful Bill Act），大量复杂且具有追溯力的税法变更需要实施。这要求IRS进行大量的系统编程、发布新指南并修改税表。

对于移民群体而言，税务合规是维持合法身份和申请移民福利的关键。专家分析指出，IRS人手的减少加上新税法的实施，极有可能导致退税处理速度变慢、电话咨询等待时间变长。

IRS表示，此次推出的企业级数字工具是未来扩展的“数字基础”，希望能通过技术手段缓解部分人力短缺带来的压力。建议纳税人今年尽早准备材料，数字授权功能加快办理进度。

「全国税务专业人士协会」(National Association of Tax Professionals)税务内容及政府关系部主任欧萨班(Tom O’Saben)告诉记者，首次设置国税局在线帐户可能会有点麻烦，你需要申请一个第三方身分验证公司ID.me的帐户，不过一但申请好，就万事大吉了。

除此之外，也可以直接开设一个美国本土银行账户来承接退税。

01 Without a U.S. Bank Account, Your Tax Refund May Be "Yellow"

For cross-border e-commerce companies, tax refunds are an important part of profits.

Delayed arrival:Without a U.S. bank account, you could be dealing with a long wait.The IRS cycle for processing paper checks is usually 4-6 weeks, while electronic transfers take only 1-2 weeks. Slower money turnover can be the final straw that breaks the camel's back for e-commerce businesses that rely on cash flow.

Communication costs have skyrocketed:When IRS asks for additional documents, you need to provide more complex identification and proof of source of funds. Back and forth email communication can take as little as a few weeks or as much as a few months, and the finance team's energies are spent pulling the wool over their eyes.

Risk of lost checks:Paper checks have the potential to be lost or stolen in cross-country mailings. In the event that this happens, the replacement process is cumbersome and time-consuming, directly affecting your financial planning.

Why are cross-border e-commerce companies panicking more?

As a cross-border e-commerce company, our business is naturally "cross-border", and our pain points are more prominent than those of ordinary U.S. companies:

(1) Complexity of multi-store and multi-object tax refunds:

If your business involves multiple Amazon stores or different subjects, each account needs a corresponding U.S. bank account to receive tax refunds. Managing the confusion can easily trigger an IRS compliance review.

2) The efficiency of capital return directly affects profits:

E-transfers get tax refund funds back into operating accounts quickly for restocking, advertising, or supply chain turnover. By delaying an extra month, you may miss out on a pop-up order cycle.

3) Higher compliance requirements:

The IRS is becoming more and more stringent in monitoring cross-border financial flows. Without a compliant U.S. bank account, your tax return process can easily be flagged as "high risk" or even face a tax audit.

What now?

Don't panic, there's just one core solution: open a compliant U.S. bank account as soon as possible and make sure the account information is updated in real time.

如果你还在用第三方收款账户“曲线救国”，建议直接升级为美国本土银行账户，从根源上解决退税到账的问题。

定期检查你的W-8BEN表格和账户信息，确保与IRS系统中的数据完全一致，避免因信息不符导致退税被卡。

In fact, these tax and capital problems, looking for a professional organization can be easily dealt with. Enterprise Caiying Group can help you one-stop to get the U.S. bank account opening and tax compliance declaration, so that your capital flow is more hassle-free, and business is more stable.

In short, the IRS's eRefund transition is on the horizon. Instead of passively waiting, it is better to proactively lay out your financial system to keep up with the digitalization of the U.S. tax footsteps. After all, on the track of cross-border e-commerce, smooth cash flow is the only way to run faster and farther.

If you plan to register a U.S. company/Singapore company/Japanese company/Thailand company/Malaysia company/Canada company/Mexico company/Brazil company/Britain company/France company/New Zealand company/Japanese company/Singapore company/Vietnamese company/Indonesia company/Dubai company and other foreign companies registered in the relevant business and financial services, or plan to register a Hong Kong company/Shenzhen company/ Guangzhou company / Shanghai company / Hangzhou company / Beijing company / Hainan company and other domestic companies registered business services, the company's annual audit audit / bookkeeping tax / payment of MPF / change of information / bank account / ODI record / BVI registration / tax compliance / cross-border e-commerce accompanied by running on behalf of the operation of the enterprise one-stop service, you can add my WeChat (phone with V: 13045886252) at any time to consult ↓↓ ↓ 

02 Advantages of Opening a U.S. Bank Account

‌✅跨境交易与投资便利性‌

美国作为全球金融中心，美元是主要结算货币。拥有美国账户可简化国际支付、接收海外款项或进行跨境购物，节省汇率转换费用和时间‌，对于投资者，账户便于直接参与美股、港股基金等市场，且2025年多数券商要求资金从美国账户入金，以避免第三方资金风险‌。‌

✅资产多元化与安全性‌

通过美国银行系统配置美元资产，可分散单一货币风险。美国严格的监管体系为资金安全提供保障，同时支持全球投资机会，如债券或加M货币，增强财务灵活性‌。‌

✅信用记录

建立‌长期正常使用账户有助于积累美国信用历史，这对申请本地信用卡、贷款或租房等生活需求至关重要，甚至影响求职机会‌。‌

✅金融服务与技术体验‌

美国银行提供丰富的产品（如支票、储蓄账户）和先进的数字服务（在线/移动银行），支持便捷的账单支付、转账及全球资金管理，提升日常效率‌。‌

✅应对政策变化的前瞻性

优势‌2026年跨境资金监管趋严，美国账户能降低因中转行审查导致的资金延迟或冻结风险，成为全球化运营（如跨境电商收款）的必要工具‌。

If you plan to open a Chinese-American bank account services, you can add my WeChat (phone with V: 13045886252) at any time to consult ↓↓↓↓ 

03 East West Bank (USA)

1) Introduction to Hua Mei Bank

East West Bank is the largest independent commercial bank and publicly traded company headquartered in Southern California, with $61 billion in total assets in the U.S. and Chinese-American markets. East West Bank is ranked among the top 30 publicly traded banks in the United States by total assets. The bank was ranked 11th on Forbes' 2020 list of the nation's top 100 banks.

Founded in Los Angeles in 1973 and listed on the NASDAQ in 1999, East West Bank has total assets of US$56.9 billion and over 125 branches in the U.S. and Greater China, and holds a full banking license. East West Bank is ranked among the top 30 banks in the United States with outstanding performance. Since 2010, East West Bank has been ranked on Forbes' "America's Best Banks" list. 

It has a network of more than 125 locations in the United States and Greater China, with the U.S. market primarily located in California, Georgia, Nevada, New York, Massachusetts, Texas, and Washington; and a full-service network of banks in Hong Kong, Shanghai, Shenzhen, and Shantou, as well as representative offices in Beijing, Chongqing, Xiamen, and Guangzhou in the Greater China region.

Focusing on the U.S. and Greater China markets, East West Bank has long been recognized by Hurun Report as the "Most Favored Chinese American Bank".

When the bank was founded, it was mainly to provide financial services for Chinese immigrants. Today, East West Bank is a bridge connecting financial services between China and the U.S., which is also its service purpose, with outlets mainly in the U.S. and Greater China, and many of its employees are Chinese, and the official customer service phone number and internet banking support Chinese.

WaMu Bank acquired the global operations of Union Bank on November 6, 2009, which was closed by the California Department of Financial Institutions and taken over by the FDIC.

WaMu Bank assumed approximately $10.4 billion of Union Bank's assets, including $7.7 billion in loans and $9.2 billion in liabilities.

2) Account Advantages

✅ Account opening convenience

Support remote video account opening, no need to travel to the United States in person. Only need to provide ID cards, passports and other basic information, through the video witness can complete the account opening, the whole process is about 3-4 weeks, high efficiency.

✅Chinese Service

Provide full-process Chinese customer service support, official website, APP and customer service communication all support Chinese, which is convenient for Chinese users to operate and reduce language barriers.

✅Privacy Protection

Not participating in CRS (Global Account Information Automated Exchange System), account information will not be actively exchanged with Chinese tax authorities or other countries, and the privacy of funds is strong. At the same time, deposits are protected by FDIC insurance, with $250,000 coverage for a single account.

✅Lower costs
Account management fees are waived if the average monthly account balance is $2,500 or more. Some transfer methods (e.g., ACH transfers, Chinese-American bank transfers) are free of charge, and handling fees for international wire transfers, etc. are at a reasonable level.

✅Feature-rich

It supports binding Amazon, Shopify, Stripe and other e-commerce platforms to receive payments, and can be used for U.S. stock investments (through cooperative brokerage firms such as PCCW Securities), and can also carry out a variety of transfer operations such as Zelle, ACH, and wire transfers to satisfy the needs of cross-border transactions, investments, and daily payments.

✅ Security of funds

As a U.S. listed bank with assets of over 70 billion dollars, Forbes "America's Top 100 Banks" for many years, capital security is guaranteed.

✅ Physical card support

You can apply for a physical bank card, which is convenient for spending or withdrawing cash abroad, and the card supports international payment networks such as Visa, which is used worldwide.

3) Account Opening Tips

Required documents: ① ID card + passport front page scanned or photographed. ②Basic Information Form KYC (with template).

Activation Payment: Minimum of $2500 USD, which can be subsequently withdrawn.

Management fees:Monthly admin fee of $12, waived for average monthly balances greater than $1500.

Account opening method: remote video witness account opening.

Account opening cycle: about 3-4 weeks.

Remittance feesReceive $10, send domestic $30/transfer. International remittance: $40/transfer. zelle transfer is free of charge.

transfer limit: $100,000/day;$200,000/month.

functionality: The Huamei App supports Chinese language, Zelle,ACH, as well as the ability to access checks by taking a picture with your phone.

If you plan to open a Chinese-American bank account services, you can add my WeChat (phone with V: 13045886252) at any time to consult ↓↓↓↓ 

04 East West Bank accounts and velo accounts

There are two types of WaMu personal accounts, the virtual bank velo and the physical US-based WaMu bank accounts.

Here are the differences between the East West Bank account at WaMu and the Velo account in several ways:

Management style:

The East West Bank account at WaMu is managed by a dedicated account manager who provides personalized service.
Velo accounts, on the other hand, are not managed by account managers and rely more on self-service and online platforms.

Account Status:

The East West Bank account at WaMu has a higher status and more comprehensive services as the main account of the bank.
The Velo account, on the other hand, is simply a digital bank account under the umbrella of WaMu Bank.

Account opening method:
The account opening process for East West Bank accounts at East West Bank requires video witnessing, providing complete account opening documents, including passport and other identification materials, and mailing them to a U.S. branch for review.
Velo accounts, on the other hand, can be applied for autonomously through their app, without witnessing.

Management fees:

WaMu East West Bank accounts are subject to a $5 monthly management fee for accounts with an average daily balance of less than $1,500.
Velo accounts, on the other hand, charge a $25 monthly management fee for accounts with an average daily balance of less than $2,500.

The actual difference between the two:
由于华美East West Bank账户需要经过严格的视频认证和文件审核，其账户风控更为稳定。

也非CRS联盟账户，所以不受中国内地监管，资金安全和保密性更好，而且炒港美股的小伙伴出入金是免手续费。Velo账户只是线上虚拟银行，账户稳定性比较低，甚至可能被封禁。

此外，Velo账户目前已经被国内部分银行列入黑名单，这将会对其使用造成一定的限制。

If you need the service of opening a Chinese-American bank account, you can add my WeChat (phone with V: 13045886252) at any time to consult ↓↓↓↓ 

05 East West Bank Account Opening Guide

Account opening requirements:Only a valid ID, passport is required to start the application for account opening, applicants should be 18 years old or above;
Fill in bank KYC form, personal bank details (last 3 months).

开户流程::

1) Submit the account opening information to the bank manager for review;

2) Complete video KYC (customer due diligence);

3) At the end of the video review, the signed document is scanned and sent to the bank manager;

4) Complete the placement and deposit the account activation payment of $1500 US;

(5) The account opening process only takes 1-2 weeks, and you can choose to apply for a Visa physical card after successfully opening an account (you need to pay the courier fee).

Regarding the Visa physical card, although it offers ATM cash withdrawal, it is not recommended because of its limited domestic use scenarios and the risk of sending it.

The account and internet banking features are sufficient for domestic use.

There is actually no offline way to get a US bank account in the country, and there are two online methods:

Method I:

去美国旅游的时候顺便开户。

美国各家银行对外国人的开户政策差异非常大。即使是同一家银行的不同网点开户要求都可能不一样。

有的直接不给没有美国身份的外国人开户，有的需要提供在当地长期居住的地址证明。如果是在美国短期旅游。

你们就直接去当地唐人街的华人银行，比如华美银行、国泰银行等等。

这些网点是对中国人开户政策较友好的，一般拿护照就能开户，也不需要预约。在网点开户的时候，直接把手机银行设置好，回国之后就可以正常转账了。

Method II:

通过代理开美国银行账户，目前美国对咱们国内远程开户最友好就是华美银行了，通过视频远程核验护照就能开。开户很多人不理解为什么要有代理人这个存在。

说白了，你本人不能前往美国当地的银行网点，银行凭什么要承担身份造假或者违规洗钱等风险给你开户呢？

Unless you are a large customer of the bank, have large deposits with the bank, or have someone the bank trusts to endorse you. The agent is there to act as that endorser.

If you plan to open a Chinese-American bank account services, you can add my WeChat (phone with V: 13045886252) at any time to consult ↓↓↓↓ 

06 East West Bank Transfers and Rates

Account Management Fee: 5 USD (Deposits above 1500 USD are exempt from management fee).

Transfer fees:
1. ACH transfers are fee-free and are supported by most banks in the U.S., Fortis Micro Bull.

2、Support ACH deposit; support binding PayPal, Zelle use.

3. Interbank transfer within the U.S.: $30/stroke.

4. Remittance to outside the U.S.: $40/stroke.

5. Remittance to Mainland China $16/pen.

6. Remittance to U.S. Huamei handling fee $10/pen.

Transfer amount: a total of 200,000 U.S. dollars a month, the maximum daily transfer of 100,000 U.S. dollars, large amounts need to contact the account manager.

Huamei peer-to-peer transfers: free and in real time. There is no explicit limit on the transfer amount, but it may be affected by account balance or other factors.

Zelle：转账免费，但需要拥有一个美国的支票或储蓄账户才可使用。转账额度为每天2500美元，每月10000美元。

Wire transfers within the United States:There is a $30 or $40 fee, depending on whether the transfer is to a personal or corporate/brokerage account. The transfer limit is $100,000 per day and $200,000 per month. If you need to transfer a larger amount, you can contact the account manager.

ACH Auto Transfer:Transfers are free, but require enrollment in ACH services in Online Banking. Transfers are limited to $100,000 per day and $200,000 per month.

Alipay transfer:There is a $10 handling fee for transfers, but enjoy favorable exchange rates and low wire fees. The recipient's account must be in mainland China. The transfer limit is US$5,000 per day and US$20,000 per month.

International wire transfers:Transfers are subject to a fee ranging from US$20 to US$45, depending on the amount of money sent and the country to which it is sent; transfers are limited to US$100,000 per day and US$200,000 per month.

如果你的企业需要公司年审审计/记账报税/缴纳强积金/变更信息/银行开户/ODI备案/BVI注册/税务合规/跨境电商陪跑代运营等企业一站式服务，可以加我微信（电话同V：13045886252）随时咨询↓↓↓ 

07  Why choose Enterprise Caiying Group?

🏆 Why choose Enterprise Finance? --Professional strength, global trust

Enterprise Caiying Group, since its establishment in 2015, has always been adhering to the mission of "empowering every entrepreneurial dream", focusing on providing one-stop globalized industry, commerce, finance and tax and business services for enterprises.

Our bottom line, from the deep precipitation and authoritative certification:

✅ Service Scale Witnesses Reputation: Accumulated services for more than 300,000+ enterprises, long-term cooperation with more than 50,000+ customers.

✅ Global Network Local Support: Branches are set up in Beijing, Guangzhou, Shenzhen, Hong Kong, Southeast Asia, and the United States, with services covering Asia, Europe, and the Americas.

✅ Official certification qualification escort: with 3 Hong Kong government certified licensed secretarial firms, a U.S. branch and a self-employed Hong Kong accounting firm, and at the same time is the vice president of the Shenzhen Agency Bookkeeping Association, etc., to ensure that the service is fully compliant and reliable.

The four core advantages of Enterprise Caiying's overseas company registration service:

🔹 1. A team of experts to guide you throughout the process

Our team of nearly 400 professionals consists of senior lawyers, accountants, tax accountants and cross-border business consultants. They are well versed in international regulations, handle thousands of high-end cases annually, and can provide optimal customized solutions from structural design to on-the-ground implementation.

🔹 2. digitally empowered, smart and efficient

We have spent 20 million RMB to research and develop our own digital system "Echobo", which realizes process standardization and progress visualization. The integration of AI intelligent analysis can provide quick insight into demand and assist in generating solutions, making complex affairs clear, transparent and efficient.

🔹 3. Eco-links, extra value

We connect over 500,000+ entrepreneurs with domestic and international associations. By regularly organizing cross-border salons, tax law seminars and other activities, we not only solve registration problems, but are also committed to linking resources and creating business opportunities for you.

🔹 4. Full-cycle accompaniment for worry-free sailing

Our services go beyond "successful registration". We provide a full life cycle of services from early consultation, mid-term implementation, to late financial and tax declaration, annual audit and maintenance, and compliance consulting, to become your long-term and stable partner for overseas expansion.

statement denying or limiting responsibility

Image source: some of the image material in this article from the network, such as copyright issues, please contact us to replace the deletion of processing.

Information reference: The content of this article is synthesized from the internal materials of Enterprise Caiying and relevant public network information.

Content Editor: This article was edited and designed by the Operations Department of the Enterprise Caiying Group.

Warm reminder: The relevant policies, conditions, time limits, fees and other information described in this article may be subject to dynamic adjustments, please refer to the latest official announcements or the actual application of the specific circumstances prevail.