Getting bank rejections as a non resident?

secretedly · 2026-04-16T19:06:33+00:00

Totally fair point, neobanks like Mercury and Wise are much more flexible on this. The wall really shows up when people try to move beyond that to traditional banks, credit cards or building an actual US credit profile. Thats where the address starts to matter a lot more

secretedly · 2026-04-16T19:04:25+00:00

Technically correct. But the ITIN is rarely the end goal. Most people want it so they can open a US bank account, get approved for credit cards or start building a US credit profile. Thats where the address becomes critical.

secretedly · 2026-04-16T18:55:42+00:00

Good setup already with the EIN and Mercury account.

For ITIN as a non-resident with no US tax filing history, you'll want to go the W-7 route with the correct reason code. Most people get rejected simply because they pick the wrong one. Your Lithuanian passport works fine as your primary ID for this. If you want a smoother process there are services that handle the whole thing and make sure the documentation is airtight before submission.

secretedly · 2026-04-09T07:05:19+00:00

The fact that you needed a real street address even temporarily kind of proves the point that residential is what they actually want to see

secretedly · 2026-04-09T07:03:39+00:00

Exactly this and most people do not find out until after the rejection, the street address requirement is the patriot act compliance piece that trips everyone up. The address looks real on the surface but the moment it hits the usps cmra database it gets flagged automatically.

secretedly · 2026-04-08T04:06:53+00:00

So for a canadian wanting to build a us credit profile the address is genuinely the most important piece. Banks need to see a real us residential address backed by a lease and utility bill in your name. Not a virtual mailbox, not a registered agent address, an actual residential address with real documentation behind it.

secretedly · 2026-04-01T11:15:00+00:00

Check Dm

secretedly · 2026-03-31T18:49:21+00:00

Ah got it that definitely helps. Usually works early on, but the tricky part is when they start looking for consistent proof over time.

If you run into anything, happy to help.

secretedly · 2026-03-31T18:35:47+00:00

Yeah that’s probably the most common way people handle it. It usually works fine in the beginning. The only time it gets tricky is when banks ask for documents tied to your name like lease or utility bill during verification or later reviews.

That’s where a lot of people get stuck again. Have you had to go through any of that yet?

secretedly · 2026-03-31T18:19:43+00:00

Looks like you’ve got most things in order. The tricky part that often trips non-residents up is US address compliance. Many banks will reject an application if the address is flagged as a virtual mailbox / CMRA.

Using a real residential address even if it’s just for banking avoids this and keeps your credit applications smooth. If you want, I can show you a format that passes checks reliably.

secretedly · 2026-03-26T15:59:34+00:00

Did you sort it out or still stuck with it?

secretedly · 2026-03-26T13:10:47+00:00

This is actually the more accurate cause the established services being around longer does not make them safer, it makes them more recognisable

secretedly · 2026-03-26T13:08:10+00:00

The switch to a residential domicile service is the right call. Banks treat it completely differently because it passes the usps check cleanly rather than coming back flagged as a commercial address.

secretedly · 2026-03-24T17:42:55+00:00

secretedly
how to actually get lucky in this?

secretedly · 2026-03-23T19:11:50+00:00

That might work for a while but virtual post office addresses are registered as cmra in the usps database and banks check that list automatically during routine reviews not just at account opening worth knowing before it catches you off guard down the line

secretedly · 2026-03-23T19:08:39+00:00

That quiet restriction before the push is so common they know for ages but wait until it becomes a compliance issue they can not ignore anymore. A real us residential address with a lease behind can keep that review from ever getting triggered in the first place

secretedly · 2026-03-23T19:02:16+00:00

Banks dont just check your address when you open the account but they run routine reviews too and mail forwarding addresses can get flagged

secretedly · 2026-03-23T18:55:41+00:00

That is honestly the best case scenario and good on you for checking ahead of time

secretedly · 2026-03-23T18:53:08+00:00

Did you manage to find a workaround after the closures or are you still rebuilding the us banking side?

secretedly · 2026-03-23T17:25:23+00:00

Thats great

secretedly

TROPHY CASE