Open App
🏦

Banking & EIN

U.S. Tax IDs, bank accounts, and formation documents for onboarding.

What formation documents do banks require?

Articles of organization, Certificate of Formation, and operating agreements.

Articles of incorporation vs articles of organization

Which document to provide when a bank asks for articles of incorporation.

How do I get an EIN (Tax ID) for my entity?

Ordering, completing the application, and receiving your EIN.

How long does EIN issuance take?

Expected timelines with and without a U.S. SSN.

Do I need an SSN to get an EIN?

Foreign owners and the IRS Form SS-4 process.

How do I apply for a Mercury bank account?

The $299 Mercury application service and what happens after payment.

Does Mercury guarantee account approval?

What the application fee covers and what happens if Mercury declines.

Do I need a Virtual Mailing Address?

When you need a U.S. business address and what the VMA provides.

What is a registered agent and why does OtoCo use one?

The Sheridan, WY address and what a registered agent does.

EIN application stuck on Loading — what to do

Fixes when the Tax ID plugin form won't load after payment.