// HACKER NEWS — CYBERSECURITY
Show HN: Banking Access Index – 19 US banking providers, 8 countries, CC-BY
Which US business banking providers actually accept founders who live outside the US — documented from provider-published sources, not anecdotes. 19 providers, 239 claims that survived independent re-verification against the original source pages. Where a provider publishes nothing, the cell says so instead of guessing.
JSON carries the full evidence quotes · CSV is the acceptance matrix
Re-verified quarterly against the source pages. Leave an email to get the diff when cells change — which providers opened, which closed, with the new source quotes.
39 of the 152 country cells resolve to unknown. Reviewing them together showed they were not one state but four, and the difference changes what you should do next — so every unknown cell now carries a second field naming which one it is, and a citation recording where we looked. “We could not find it” is only useful to you if you can see where we searched.
61 cells resolve to restricted, and only 9 of them name the country on a published prohibited list. In 40, the provider names no country anywhere — the bar comes from a blanket rule such as “US citizens or permanent residents only”. The answer you get is the same in both cases, and it is correct in both. What differs is how much is published about you specifically, which is what you need if you plan to ask the provider or appeal. So each restricted cell now names its evidence type too.
Hover any cell for the underlying note. Country columns describe the founder's country of residence, not the LLC's state of formation. Full evidence quotes are in the JSON download and in each provider's detail card below.
Details column — one icon per dimension of the provider's card: owner ID, account rails, receiving from abroad, card issuance, onboarding, phone & 2FA. Color tracks the published state: green = published positive, amber = conditional or partial, red = published restriction, gray = no published statement. Hover for the value; click to jump to the cited sources.
Shortlisted a provider? Compare fees, FDIC structure, and features side by side →
Every claim starts as a verbatim quote from a fetchable source — the provider's own help center, terms of service, or published country list (tier T1), an official provider blog or support statement (T2), or a dated user report (T3, labeled as such). A separate adversarial verification pass then re-fetched every source and discarded any claim whose quote was absent, misread its context, or overreached — 239 of 268 mined claims survived. Country cells are deliberately tri-state: a country absent from a provider's restricted list is reported as “no published restriction,” never converted into “accepted.”
Rows marked †(receiving from abroad, card issuance, phone & 2FA) were added after that pass by single-pass primary-source research — same quote-and-cite standard, but not yet through the adversarial re-verification the core went through, so they are excluded from the verified-claim count until the next quarterly release re-verifies them.