Hi there! I am a remote consultant based in Warsaw, Poland, and I primarily work with US clients. For a long time, receiving USD payments was a massive pain because of high conversion fees. I spent weeks trying to find a way to open US bank account online without having a physical address there. Most banks just rejected me immediately. Then I found Arival Bank
https://arival.com/ and decided to apply. The verification took some time because they do a lot of background checks, but they approved my business account eventually. Now I have a real US routing and account number. I can receive ACH transfers directly from my clients, and it is so much cheaper than using PayPal or other processors. If you are a non-resident and need a proper USD setup, this might be a lifesaver. Has anyone else managed to get approved there as a sole proprietor?