Planning tool

USD Account Readiness Scorecard

Score your platform against the five things banks weigh before approving a non-resident USD account, and get a clear read on whether to apply now or shore up gaps first.

Planning tool · About 5 minutes · Self-assessment · No login required

Score your non-resident USD account readiness

Score your platform 1 to 5 on each criterion. 1 is weak, 5 is strong.

Jurisdiction risk

not scored

Where you and your end users are incorporated, and how that reads to a US-facing bank.

Your score

Operational history

not scored

How long you have been operating, with revenue, real customers, and a track record.

Your score

Use-case clarity

not scored

How clearly you can describe who sends money, who receives it, and why in one sentence.

Your score

Compliance foundation

not scored

KYC, KYB, sanctions screening, and the policies a reviewer will ask to see.

Your score

Legitimate USD need

not scored

A concrete, defensible reason your business needs to hold and move US dollars.

Your score
0/ 25
Download results

Score all 5 criteria to see your verdict.

Planning tool only. Routefusion provides this tool for general informational and planning purposes only. It is not legal, regulatory, compliance, tax, or financial advice, and using it creates no advisory or fiduciary relationship.

Its outputs are directional and based solely on the information you entered. They are not a guarantee of eligibility, pricing, timelines, approval, or of any particular provider or banking partner outcome.

Document, payment, banking-partner, and regulatory requirements vary by jurisdiction and change over time. Any requirement, threshold, or timeframe referenced here is general guidance, not a statement of what any specific provider, bank, or regulator will require of you.

You remain responsible for your own compliance obligations. Consult your own qualified legal and compliance advisors before acting on any output of this tool.

Routefusion makes no warranties and accepts no liability for decisions made using this tool.

Download your readiness scorecard

  • Your scored scorecard with the automatic total and readiness status
  • What each score means, criterion by criterion
  • The five most common rejection reasons and how to fix each
  • A clean CSV of your inputs

Routefusion Inc. will use the information you provide to respond to your request and deliver the services you ask for. See our Privacy Policy for how we handle your data.

Talk to a Routefusion expert

Not sure how to close a gap before you apply? Book a free consultation. We'll tell you exactly what to fix first, and show you how our multi-bank non-resident USD accounts fit your use case.

Step 1 of 3Contact

Continuing sends these details to Routefusion so we can respond to your inquiry. See our Privacy Policy.

How it works & FAQs

01Score five criteria
Rate your platform 1 to 5 on jurisdiction, history, use-case clarity, compliance, and USD need.
02See your readiness band
Your total maps to a clear verdict, from apply now to significant work required, with what it means.
03Fix the weakest first
Use your lowest scores as a punch list before you approach a bank, or talk to us about the fastest path.
What is a non-resident USD account?
A real US bank account, with ACH, domestic wire, and often RTP access, held by a business that is not incorporated in the United States. It lets overseas platforms and their end users send and receive US dollars without setting up a US entity.
Why do banks decline non-resident USD account applications?
The most common reasons are an unclear use case, a high-risk jurisdiction, thin operating history, a weak compliance foundation, and no defensible reason to hold US dollars. This scorecard maps to those five factors.
Is a high score a guarantee of approval?
No. This is a self-assessment to help you prepare, not a decision. Banking-partner and regulatory requirements vary and change over time. Use it to find and fix gaps before you apply.
What should I do if I score low?
Start with your lowest criteria. Build operating history, tighten KYC/KYB and sanctions screening, and write a one-sentence use-case narrative you can defend. Then re-score before applying.

You may also be interested in

Product

Global Bank Accounts

Product

Virtual Accounts

Full guide

Non-Resident USD Accounts for Scaling Platforms

All planning tools