How To Get A US Virtual Bank Account: 5 Easy Steps and All You Need to Know - TL Updates
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How To Get A US Virtual Bank Account: 5 Easy Steps and All You Need to Know

How to get a US virtual bank account

Having a bank account in the United States is necessary if you are in the internet business world. Suppose you are not based in the US. In that case, you’ll need to learn how to get a US virtual bank account for non-residents, whether you’re a solitary business owner, own an eCommerce store, are a blogger, an affiliate marketer promoting programs like ClickFunnels, or a freelancer working on sites like LanceBase or Freelancer.

You’ll need to open an American bank account online if you wish to accept payments from US-based companies or foreign companies that require a direct deposit into US bank accounts.

The true problem arises if you are a non-resident of the US. To establish a bank account in the United States, you must be in the country. However, it is possible to create a US bank account without being physically present in the country, as I shall explain in this article. These accounts created without being physically present are called “virtual accounts.”

Why Open an Online Bank Account?

I recommend reading the following arguments for those who aren’t convinced why they should create a bank account online (instead of going to the bank).

Suppose you are a freelancer, a blogger, a marketer, or an internet merchant. In that case, you’ll want to open an online bank account.

It’s possible you’d want to sell your goods in the United States, work with organizations like ClickBank, Amazon, and, or get your Adsense revenue more rapidly from the United States.

A freelancer who works on sites like is likely to have a lot of time on their hands. On and UpWork, you may wish to have your online revenue headaches taken care of.

Getting a check from the US or European company might take weeks or even months if you live in Nigeria or other countries like India or Pakistan.  

However, if you open an American bank account online, you may accelerate the process of getting funds. Additionally, many US businesses prefer to make payments to their employees through bank transfers to addresses in the United States. It’s as easy as that!

How To Get A US Virtual Bank Account For Non Residents

You may create a US virtual bank account even if you’re not a US resident if you live in Nigeria, India, Singapore, Hong Kong, the United Arab Emirates,  or any other nation on the globe. All you have to do is sign up for a Payoneer account to get started.

Payoneer was initiated in 2005 by Yuval Tal. It is a virtual bank account that allows you to send money online, make digital payments, and have a virtual bank account in the United States. People who have a Payoneer account can send and receive money from other people for free. 

It doesn’t matter if you live outside of the United States. You can still get money from companies that pay through Payoneer, even if you aren’t a US citizen.

With Payoneer, you can create an account with a bank in the United States and accept payments from clients and users anywhere they may be in the world. 

Payoneer also offers prepaid MasterCard that may be used at ATMs, stores, or other platforms where online payment is accepted. Payoneer also offers non-residents a virtual US debit card. Perhaps one of the best virtual US bank accounts with debit cards available for  US non-residents.

Steps for Registering with Payoneer

Below are some of the things you need to open a Payoneer account.

1. Your full legal name.

2. Your email address 

3. Your home address. This should be your correct home address because this is where your card will be mailed to.

4. Date of Birth

5. Your contact information

6. A government-issued ID

Below are the steps you need to take to open a Payoneer account

1. Visit Payoneers official website.

2. On the website, go to the register option.

3. On the home page, click the “Register” button.

4. Fill out the registration form as best you can, and ensure you’re giving out truthful information.

5. Your email address will be verified. Check your email and click on the link to verify your account.