I recently opened business accounts with both
BoFI, La Jolla CA. My contact is Mustapha O. 858-649-2130
Seed required a personal utility bill to verify my identity. I have no permanent or residential address, and they took my mobile phone bill as proof of residence. My mobile phone is addressed to small mom n’ pop commercial mailbox in a very affluent Los Angeles neighbourhood with brand and zip code cache. Just saying the zip code gains unearned rapport/respect with agents you can use to your advantage. DM me for a referral if you like.
Both accounts were opened completely online with freshly started 2017 Wyoming LLCs which I opened remotely.
For personal banking, you can try Schwab or Simple, but both IME were pains in the ass to work with.
SVB is good at wine and coding and genetic engineering. They’re impeccable at what they do. I have several investor friends with 8 figure SVB accounts and was warm referred. They denied my application in 2012, even though I’m involved with a biotech startup. See, my firm’s abilities wasn’t within the SVB sphere of expertise. If you’re outside of that scope they don’t have the resource network for you and won’t take you. SVB only wants companies they can win with.
I tested a couple other online business banks but they weren’t worth the effort.