Can my startup open a bank account without an EIN?

This article assumes you incorporated your startup using Clerky.

Most banks will require your startup to already have an EIN before you can apply for a bank account. However, if you applied for an EIN through Clerky, you can follow these steps to apply for a bank account with Brex, Mercury, or Rho while you're waiting for the IRS to issue the EIN.

  1. Apply for your startup's EIN through Clerky.

  2. Once your EIN application is pending, view the available banking options for your team and start an application.

    Banking options on Clerky while waiting for EIN
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