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Aspire US
NeobankAccount type
Neobank
Target audience
Global / non-resident founders with a US-incorporated company
Account opening time
Typically within a few days (varies by business); 100% online
Required documents
- Active EIN and company formation document
- User ID: driver's license or passport
- Proof of address if ID lacks address
- Control person: SSN if US person with SSN; otherwise passport/driver's license ID
- Full name, nationality, country of residence, DOB for directors
- Beneficial owner IDs/SSN as required by ownership thresholds
- Letter of Authorization if applicant is not a control person/director
Transaction fees
Ach Transfer
$0
Domestic Wire
$0 (local transfers: ACH, Wire, Check, Real-time free)
International Wire
Receive SWIFT $0; send SWIFT $5 (SHA) or $15 (OUR); FX from 0.22% above mid-market
Monthly Maintenance
$0 (no setup fee; no minimum balance/deposit)
Other requirements
US-incorporated entity; eligibility varies by country/industry/compliance. Aspire is fintech; banking via Column N.A.
Partner bank FDIC
Column N.A., Member FDIC (sweep program network; advertised FDIC up to $100M subject to pass-through conditions)
Non-resident notes
POS: Help Center Account Opening Guide: for control persons without SSN, passport/driver's license accepted; BO IDs when SSN unavailable. Markets remote onboarding for global founders.
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