{"id":5935,"date":"2026-01-08T14:49:56","date_gmt":"2026-01-08T06:49:56","guid":{"rendered":"https:\/\/www.qicaiying.cn\/?p=5935"},"modified":"2026-01-08T14:59:31","modified_gmt":"2026-01-08T06:59:31","slug":"%e7%be%8e%e5%9b%bd%e5%8d%8e%e7%be%8e%e9%93%b6%e8%a1%8c%e8%b4%a6%e6%88%b7%e5%bc%80%e6%88%b7%e6%8c%87%e5%8d%97%ef%bc%9a%e6%97%a0%e9%9c%80%e8%b5%b4%e7%be%8e%ef%bc%8c%e8%bf%9c%e7%a8%8b%e5%bc%80%e6%88%b7","status":"publish","type":"post","link":"https:\/\/www.qicaiying.cn\/en\/archives\/5935","title":{"rendered":"U.S. Bank Account Opening Guide: No need to go to the U.S., remote account opening, to avoid the pit of the full dismantling of the key points"},"content":{"rendered":"

<\/a>With the growing demand for cross-border finance, having a U.S. bank account has become a necessity for international students, cross-border e-commerce sellers, and overseas investors. As one of the top 30 commercial banks in the U.S., East West Bank has become the first choice for domestic residents to open a U.S. account with its bilingual services, cross-border linkage advantages, and optimized remote account opening process.No need to travel to the U.S. to open an account in 2025.<\/strong>However, material mismatch and negligence in reviewing details may still lead to dismissal. This article combines the latest policy, from the account advantages, materials list, the whole process steps to avoid pitfalls skills, to help you efficiently take the U.S. personal account.<\/p>\n\n\n\n

.<\/mark><\/p>\n\n\n\n

01<\/strong>.Why Bank of America Westminster? Core Advantages Dismantled<\/strong><\/h2>\n\n\n\n

Compared with other U.S. banks, Chinese-American Bank's adaptability to Chinese users is \"tailor-made\", which is the key to its perennial leading success rate in account opening:<\/p>\n\n\n\n

    \n
  • Seamless cross-border services<\/strong><\/li>\n<\/ul>\n\n\n\n

    With branches in both China and the U.S. (the U.S. covers core states such as California and New York, while China has representative offices in Shanghai and Beijing), cross-border transfer fees are as low as 30-40 U.S. dollars per transaction, and the arrival speed is 1-2 business days faster than that of traditional foreign banks.It is especially suitable for Amazon sellers to receive payments and international students to send money;<\/strong><\/p>\n\n\n\n

      \n
    • No threshold for Chinese language services<\/strong><\/li>\n<\/ul>\n\n\n\n

      From customer service to account manager provide Chinese communication, APP support Chinese interface, do not know English can also easily operate the account, to avoid the language barrier caused by business errors;<\/p>\n\n\n\n

        \n
      • Remote account opening is efficient<\/strong><\/li>\n<\/ul>\n\n\n\n

        Video face-to-face process, no need to go to the U.S., the account can be completed in 3-4 weeks, the audit pass rate of more than 85% (the average pass rate of similar banks is only 60%);<\/p>\n\n\n\n

          \n
        • Tax privacy is guaranteed<\/strong><\/li>\n<\/ul>\n\n\n\n

          The U.S. is not a member of the CRS international tax information exchange system, and account information is not automatically shared with other countries, while supporting the bundling of ITINs (Individual Taxpayer Identification Numbers) for compliant tax filing;<\/p>\n\n\n\n

            \n
          • Account Functionality Adaptation Requirements<\/strong><\/li>\n<\/ul>\n\n\n\n

            It can be tied to Amazon, eBay and other e-commerce platforms to receive money, but also can be used for U.S. stock investment, study payment, single-day transfer amount of up to $ 100,000, to meet most of the cross-border capital flow needs.<\/p>\n\n\n\n

            .<\/mark><\/p>\n\n\n\n

            02<\/strong>.Chinese American Bank account opening, no need to go to the U.S., the mainland remote processing<\/strong><\/h2>\n\n\n\n

            Below we will look at the United States of America Hua Mei Bank personal account opening what information is required, account opening methods, account opening cycle, etc.<\/p>\n\n\n\n

            Remote account opening information:<\/strong>
            01. Computerized scanned copy of front and back of ID card (validity of the card should be more than 6 months)
            02. Scanned copy of passport information page + full page of the cover (validity of the document should be more than 6 months)
            03. Proof of employment or business card
            04.Account Opening Form<\/pre>\n\n\n\n
            .<\/mark>Remote account opening method:<\/strong><\/p>\n\n\n\n
            \u2705 Video Witness Account Opening<\/p>\n\n\n\n
            Remote account opening process:<\/strong><\/p>\n\n\n\n
            1. Prepare all the information and submit it to the bank<\/p>\n\n\n\n
            2. After the bank's initial review and approval, arrange the video time and notify the customer via email of the specific video time (the customer needs to reply to the email to confirm the time and print out the account opening form)<\/p>\n\n\n\n
            3. Prepare the form and the original ID card and passport, and video with the account manager at the agreed time<\/p>\n\n\n\n
            4. After the video witnessing, email back the scanned copy of the account opening form and mail the original to the U.S.<\/p>\n\n\n\n
            5. After the bank receives the documents, the bank will send a remittance instruction with the account by mail and deposit $2500 to activate the account.<\/p>\n\n\n\n
            .<\/mark><\/p>\n\n\n\n
            Remote account opening cycle:<\/strong><\/p>\n\n\n\n
            \n
            \u2705 About 5-6 weeks down the line<\/p>\n<\/blockquote>\n\n\n\n
            Remote account opening city:<\/strong><\/p>\n\n\n\n
            \n
            \u2705 Unlimited<\/p>\n<\/blockquote>\n\n\n\n
            .<\/mark><\/p>\n\n\n\n
            U.S. Wal-Mart Bank account rates:<\/strong><\/p>\n\n\n\n
            \u2705 Management fee:<\/strong><\/p>\n\n\n\n
            15 USD\/month if account deposit does not meet $2500 USD<\/p>\n\n\n\n
            \u2705 Transfer credits:<\/strong><\/p>\n\n\n\n
            A total of 200,000 U.S. dollars a month, the maximum daily transfer of 100,000 per day (large amounts need to contact the account manager to transfer)<\/p>\n\n\n\n
            \u2705 Transfer fees:<\/strong><\/p>\n\n\n\n
            Interbank transfer within the U.S. $30\/transaction, overseas remittance $40\/transaction, remittance to mainland China $16\/transaction<\/p>\n\n\n\n
            \n
            Caveats:<\/strong>

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

            Many people go online and apply for their own WaMu bank account, which is a WaMu velo account, while we help you open a WaMu local account (East West Bank).

            What is the practical difference between the two?<\/strong>

            1, due to the Huamei East West Bank account needs to go through a strict video authentication and document review, its account wind control is more stable. It is also not a CRS alliance account, so it is not subject to continental supervision, better capital security and confidentiality, and speculation in Hong Kong and U.S. stocks of the small partners in and out of the country are free of handling fees.

            2. The Velo account is only an online virtual bank, the account stability is relatively low and may even be blocked. In addition, Velo accounts have now been blacklisted by some domestic banks, which will impose certain restrictions on their use.

            Worth noting:

            If you have applied for a velo account online and it has been closed, you need to look at the reason for the closure before you can do it again, and you can't apply for a U.S.-based Chinese-American bank account! So people choose to be more careful oh!<\/pre>\n<\/div>\n\n\n\n
            If you need, you can scan the code to add our online customer service (micro letter: jxhqcy890 \/ cell phone: 16625410105), to arrange for the manager to answer questions, provide professional advice andFull one-on-one service \u2193\u2193\u2193<\/strong>
            <\/p>\n\n\n\n
            \"\"<\/figure>\n\n\n\n
            .<\/mark><\/p>\n\n\n\n
            03<\/strong>.U.S. Public Accounts at East West Bank<\/strong><\/h2>\n\n\n\n
            Advantage 1: Efficient flow of funds<\/strong><\/h4>\n\n\n\n
            1: Provided by Hua Mei BankChina-US cross-border remittance, letter of credit, foreign exchange<\/strong>One-stop service with fast arrival speed and transparent handling fee.<\/p>\n\n\n\n
            2: For cross-border e-commerce, support Amazon, Shopify and other platforms to collect payments, to solve the problem of payback<\/p>\n\n\n\n
            Advantage 2: Low account opening threshold and SME friendly<\/strong><\/h4>\n\n\n\n
            1: The requirements for affiliated companies are not too high. Even if there is no affiliated company, if the shareholder's personal bank current is relatively large, Huamei will not reject it directly.<\/p>\n\n\n\n
            2: Flexible account management fees and low minimum deposit requirements, suitable for start-ups and small and medium-sized sellers<\/p>\n\n\n\n
            Advantage 3: Strict wind control, capital security is guaranteed<\/strong><\/h4>\n\n\n\n
            1: U.S. FDIC deposit insurance (up to $250,000 protection), the funds are safe and worry-free.<\/p>\n\n\n\n
            2:Perfect anti-money laundering compliance system and high account stability<\/p>\n\n\n\n
            Advantage 4: Remote video interviews and unlimited transfers<\/strong><\/h4>\n\n\n\n
            \n
            Remote Video Interview<\/mark><\/strong><\/p>\n\n\n\n
            Most of the US banks, require a face-to-face visit to the US. However, East West Bank supports remote video witnessing, so as long as you have internet access, you can open an account without leaving your home. Even in Hong Kong, China, only DBS Bank currently accepts remote video face-to-face interviews, while all other banks have to go to Hong Kong or mainland branches on-site.<\/p>\n<\/blockquote>\n\n\n\n
            \n
            unlimited number of transfers<\/mark><\/strong><\/p>\n\n\n\n
            There is no limit to the amount of money that can be transferred from a WAMI bank account, but transfers must be made to ensure business compliance and the bank will make inquiries.<\/p>\n<\/blockquote>\n\n\n\n
            If you are not familiar with the process, you can choose a professional agency (Enterprise Finance) to do it on your behalf to improve the efficiency and success rate of the process.(WeChat: jxhqcy890 \/ Mobile: 16625410105)<\/strong>Arranging for a professional manager to answer queries.Provide professional advice and one-on-one service throughout the process \u2193\u2193\u2193\u2193<\/strong><\/p>\n\n\n\n
            \"\"<\/figure>\n\n\n\n
            Below we will look at the United States Bank of America public account opening what information is required, account opening methods, account opening cycle<\/h2>\n\n\n\n
            Step 1: Preparation of materials<\/strong><\/h3>\n\n\n\n
            \n
            \u00a0Hong Kong company<\/mark><\/mark><\/strong><\/em><\/p>\n\n\n\n
            Full set of Hong Kong company information (BR+CI+NNC1\/NAR1+M&A)<\/p>\n\n\n\n
            Hong Kong company or mainland company's recent 6-month bank current (if any) Director and shareholder: passport, ID card front and back (color scanned copy)<\/p>\n\n\n\n
            1 set of purchase + sales contract + corresponding bill of lading for shipment from Hong Kong company or affiliated company<\/p>\n\n\n\n
            KYC form (provided by our company)<\/p>\n<\/blockquote>\n\n\n\n
              <\/ol>\n\n\n\n
              \n
              U.S.A. Inc.<\/mark><\/mark><\/strong><\/p>\n\n\n\n
               Certificate of Incorporation, Articles of Incorporation, INFORMATION sheet, Federal Tax ID (EIN).<\/p>\n\n\n\n
              Director shareholders: passport, ID card front and back, color scan or high-definition color photo (clear corners)<\/p>\n\n\n\n
              1 set of purchase + sales contracts for U.S. companies or affiliates<\/p>\n\n\n\n
               List of company products or official website (if available)<\/p>\n\n\n\n
              KYC form (provided by us)<\/p>\n\n\n\n
              1 set of purchase + sales contract + corresponding bill of lading for shipment from affiliated company<\/p>\n\n\n\n
              Mainland company's bank balance for the last 6 months (if any)<\/p>\n<\/blockquote>\n\n\n\n
                <\/ol>\n\n\n\n

                <\/strong>Step 2: Interview and Account Opening<\/strong><\/p>\n\n\n\n
                  \n
                • Data search - Approved - Video witnessing - Account opening<\/li>\n\n\n\n
                • Account opening audit cycle: about 2-4 weeks<\/li>\n<\/ul>\n\n\n\n
                  Step 3: Account Activation and Use<\/strong><\/p>\n\n\n\n
                  Once you receive your bank card and internet banking key, activate your account and use it!<\/p>\n\n\n\n
                  If you have overseas company registration, bank account opening and other needs, you can scan the code to add our online customer service!(WeChat: jxhqcy890 \/ Mobile: 16625410105)<\/strong><\/strong>We will arrange professional managers to answer your questions and provide professional advice andone-on-one throughout the whole process<\/strong><\/p>\n\n\n\n
                  \"\"<\/figure>","protected":false},"excerpt":{"rendered":"
                  With the growing demand for cross-border finance, having a U.S. bank account has become a necessity for international students, cross-border e-commerce sellers, and overseas investors. And East West Bank (East West Bank), as a top 30 commercial bank in the United States in terms of asset size, has become the first choice for domestic residents to open a U.S. account by virtue of its bilingual services, cross-border linkage advantages and optimized remote account opening process - without going to the U.S., the whole process of opening an account can be completed online in 2025, but the mismatch of materials, However, mismatch of materials and negligence of audit details may still lead to rejection. This article combines the latest policy, from the account advantages, materials list, the whole process steps to avoid pit skills, to help you efficiently take the U.S. personal account!<\/p>","protected":false},"author":7,"featured_media":5940,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[284,285,286,36],"class_list":["post-5935","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-am-bg","tag-284","tag-285","tag-286","tag-36"],"yoast_head":"\n\u7f8e\u56fd\u534e\u7f8e\u94f6\u884c\u8d26\u6237\u5f00\u6237\u6307\u5357\uff1a\u65e0\u9700\u8d74\u7f8e\uff0c\u8fdc\u7a0b\u5f00\u6237\uff0c\u907f\u5751\u8981\u70b9\u5168\u62c6\u89e3 - \u4f01\u8d22\u76c8<\/title>\n<meta name=\"description\" content=\"%\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.qicaiying.cn\/en\/archives\/5935\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u7f8e\u56fd\u534e\u7f8e\u94f6\u884c\u8d26\u6237\u5f00\u6237\u6307\u5357\uff1a\u65e0\u9700\u8d74\u7f8e\uff0c\u8fdc\u7a0b\u5f00\u6237\uff0c\u907f\u5751\u8981\u70b9\u5168\u62c6\u89e3 - 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