America/U.S. bank account opening (corporate)

Hong Kong Xintong provides corporate customers withAmericas regionBank account openingOne-stop compliance and delivery support，Covers common USD clearing needs、North American local collection、Local currency settlement and cross-border trade receipts and payments in Latin America。Services with "compliance explainability" + "Complete evidence chain" is the core，Adapt to bank due diligence logic，Reduce Anti-Money Laundering (AML) and Sanctions Compliance (Sanctions) Risks。

Common applicable industries：cross-border trade（B2B/B2C）、Supply Chain Procurement and Distribution、SaaS/Digital Services、Brand going overseas、Holding Company/Regional Headquarters、Professional service organizations (consulting/marketing/software outsourcing)。

Typical account opening goals：

• United States/Canada：USD/CAD Settlement、ACH/Wire、Local collections and corporate disbursements
• Latin America：Local currency payment、Cross-border trade counterparties、Regional fund pools and sub-accounts
• Multiple currencies：Cooperate with global collection、Reconciliation and Compliance Traces

If you also need a comparison plan for opening an account in Hong Kong，Can be referenced：Hong Kong (HSBC/Standard Chartered/Hang Seng) account opening。

Bank of America’s KYC/AML due diligence usually revolves around the following four main lines:：

1. subject reality：Company registration and existence、Director/shareholder status、UBO penetration、Authorized signatories and governance structure。
2. business real：Products/Services、Customers and Suppliers、contract chain、Evidence of delivery、Pricing logic and refund/chargeback policy (if applicable)。
3. Funds can be explained：Source of funds (SoF) and purpose of funds (SoW)、Payment path、Currency and country distribution、Reasonability of transaction size and frequency。
4. Compliance and controllable：Sanctions/Sensitive Countries、PEP and bad media risk management，and whether internal controls match the business scale。

If your business involves payments、exchange、Collection and payment、prepaid card、Highly sensitive scenarios such as digital asset related services，It is recommended to simultaneously evaluate regulatory licenses and system construction，For example, the compliance path at the U.S. level can be found in：US MSB license case；If you need more systematicFinTech Compliancesupport，Can be referenced：Fintech Compliance Consulting。

There will be differences between different banks and different countries.，However, corporate public accounts usually require the following material framework (it is recommended to complete "catalogization + numbering" before submission)：

1) Corporate and Governance Documents

• Company registration documents、Constitution/Bylaws、Proof of existence (if applicable)
• List of Directors、Register of shareholders、Authorized Signatory Resolution/Power of Attorney
• Equity structure chart (penetrating to the final natural person UBO) and description of control rights

2)Personal KYC (Director/UBO/Authorized Person)

• Proof of identity and address (in line with bank validity requirements)
• Description of occupation/source of income (if necessary)

3)Business and Transaction Proof

• Official website/product introduction/terms of service、Business plan or business description
• Sample customer and supplier contract、Invoice/Statement、Proof of logistics or delivery
• Estimated transaction size、Country distribution、Currency structure、Refund and Dispute Policy (if applicable)

4) Source of funds and tax consistency

• Proof of source of start-up capital (capital injection、Shareholder borrowings、historical profits, etc.)
• Information consistency statement related to tax residence status/CRS declaration (if necessary)

If it involves data and privacy compliance (customer information cross-border、Risk control system leaving traces, etc.)，Can be referenced：Personal information protection and Data security assessment。

美洲银行开户不是政府牌照申请，Therefore there is no uniform government application fee。成本通常分为三类：银行自身的账户管理、trade、电汇或其他产品收费；notarization、Certification、translate、税务或法律意见等第三方成本；以及按账户主体、Equity structure、jurisdiction、资料量和补件工作评估的专业服务费。

各银行会按自己的客户政策、product、余额要求和风险评级定价，最终应以目标银行当期收费表、账户协议及个别报价为准。若企业另行经营汇款、pay、虚拟资产或证券等受规业务，应针对实际经营地和业务范围单独核对牌照及政府费用，不能用其他牌照的费用矩阵替代银行开户预算。

The service fees are subject to applicable jurisdiction、Business scope、Main structure、Data complexity and delivery schedule assessment；Involving government fees，The latest fees announced by the corresponding regulatory agency shall prevail.。

If you want "account opening + channel + system" to be implemented collaboratively，Can be viewed together：Payment Gateway PSP、Payment system integration and KYC identity verification system。

Entity and tax verification for Bank of America account opening

USA、加拿大及拉美各国的银行和账户产品规则不同，通常会核对实体状态、适用税号、Directors, shareholders and beneficial owners、actual business、Source of funds、预期交易和制裁风险，不能把某一家银行的要求写成全地区法定标准。

• 准备公司注册及存续、Charter、Director Shareholder、COUGH、授权签字人和地址资料。
• 说明实际经营地、Customer Supplier、Account purpose、预计币种、Amount、频率和交易国家。
• 提供可相互印证的合同、bill、financial information、资金来源和交付证据。
• 涉及受规业务时，Also check federal、state、省或当地许可。

Official verification：美国FinCEN客户尽调规则、美国IRS雇主识别号（EIN）说明、IRS Form 8300适用说明andFinCEN FBAR申报说明。银行会独立审批，Cannot promise to open a fixed account、远程见证、激活金额或审查周期。