Mercury is the best choice for non-US resident solo founders needing a US bank account. The basic account is completely free (no monthly fees, no minimum balance) with FDIC insurance up to $5 million. The standout advantage is that non-US residents can open an account with just an EIN and passport — no SSN or US address required. The main cost is outbound international wires ($20/wire), but for most indie developers receiving Stripe income via ACH, the effective cost is near zero. Recommended to pair with Wise Business for multi-currency needs and maintain a backup bank account to mitigate risk.