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Adro
NeobankAccount type
Neobank
Target audience
International founders / businesses opening a US business account remotely (and personal accounts for visa holders)
Account opening time
Same-day activation possible if documents ready; signup in a few minutes
Required documents
- Valid passport (any country) + selfie for business owner (18+)
- US-based business address
- EIN (US tax ID)
- Articles of Incorporation or other US formation documents
- List of business shareholders and/or directors
Transaction fees
Ach Transfer
$0 send and receive
Domestic Wire
$15 outbound; inbound free
International Wire
Fee displayed before send; inbound free
Monthly Maintenance
$0 monthly/annual account fees; no minimum balance
Other requirements
Can open from outside the US. Business registration/EIN may be obtained via partners (e.g., Maera). Adro is fintech not a bank.
Partner bank FDIC
Stearns Bank N.A., Member FDIC (pass-through up to $250,000)
Non-resident notes
POS: Business help explicitly accepts passport from any country and opening from outside the US with EIN + formation docs. Personal product separately states no SSN/ITIN required with approved US visa.
Sources
- https://help.joinadro.com/en/articles/11004309-opening-an-adro-business-account
- https://help.joinadro.com/en/articles/10706697-what-s-the-difference-between-adro-business-vs-personal-accounts
- https://help.joinadro.com/en/articles/11819019-what-s-the-difference-between-ach-and-wire-transfer
- https://help.joinadro.com/en/articles/9540931-are-my-deposits-covered-by-fdic
- https://help.joinadro.com/en/articles/9558424-who-is-stearns-bank
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