Not really any need to stay with them.

But as far as we've tried, only Relai and another smaller one allowed to open it online only. We've tried plenty of them. Relai is missing many things that Mercury has (for example Relai's debit card often doesn't work withdrawing on ATMs, and they don't allow ACH transfers to most banks).

I visited the US once and was denied by Wells Fargo. I had all the documents, EIN, and all. They told me to visit another branch like a million miles away. My friend succeeded with BoA and WF but only going there physically, and because he had friends who worked at the bank. I'm not planning to go anytime soon.

I'm kind of out of ideas and wishing not to complicate it, hence why I'm looking for options.

BTW appreciate your time and energy to reply