During the application process, we require that applicants have a social security number (SSN), US address, and a US cell phone number (not a virtual number). We are currently only able to open accounts for business owners that reside within the US and fit these requirements.
When completing your application, EINs are required for corporations and partnerships. EINs are optional for sole proprietorships and single-member LLCs. If a business hires employees, they must obtain an EIN.
EIN definition and general info: https://www.irs.gov/pub/irs-pdf/p1635.pdf
How to determine if you NEED an EIN: https://www.irs.gov/businesses/small-businesses-self-employed/do-you-need-an-ein