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Lili
Fintech · FDIC via partner bankBuilt for freelancers and small businesses. Foreign passport + EIN, no SSN.
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One of the few whitelist banks that explicitly supports China (it's on the 14-country list). Features are basic, it pushes paid tiers, and the application form is long and clunky to fill out. Fine for individuals or small teams who just need a simple US account on a budget.
Eligibility at a glance
- Banking provided by
- Sunrise Banks, N.A.
- Requires SSN
- No
- Overseas operating address
- No
- Intl wire (out)
- —
- Virtual cards
- TBD
- Account manager
- None
Best for
- Freelancers, solo founders, and small businesses
- Non-US founders with a US LLC who want a simple, free account
- Anyone who wants built-in invoicing, accounting and tax tools
Where it falls short
- Only serves Lili-supported countries — verify yours first
- No real API and weaker integrations
- Wire fees are not clearly published
- Not built for scaled or high-volume operations
Only these countries qualify
ArgentinaAustraliaBrazilCanadaChileChinaColombiaIndiaIsraelMexicoNew ZealandNorwayUnited KingdomUruguay
Restricted industries
CannabisAdult contentGamblingFirearmsMoney services (MSB)Crypto exchangeShell companies
Documents to prepare
- A US-registered company (LLC / C-Corp / S-Corp / partnership — no sole proprietorships for international applicants)
- Formation documents (articles of organization / incorporation / partnership agreement, by entity type; multi-member LLCs also need the operating agreement; must clearly show the company name)
- An EIN letter (IRS employer ID number)
- The owner's passport (number + expiry; no SSN required)
- Business / operating address: US or overseas (the company may physically operate outside the US)
- Proof of address (utility bill / lease / deed — especially when operating abroad)
- A US mailing address: the physical Visa debit card ships to US addresses only