When a Single-Member LLC Does NOT Need an EIN
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You have no employees.
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You don’t file excise, alcohol, tobacco, firearms, or certain other special tax forms.
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You don’t have a Keogh retirement plan or bank accounts that require an EIN.
In these cases, the owner’s Social Security Number (SSN) is sufficient for federal tax reporting.
When a Single-Member LLC DOES Need an EIN
You must get an EIN if your SMLLC:
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Has employees (even just one).
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Files certain federal tax forms, like employment taxes, excise taxes, or alcohol/tobacco/ firearms taxes.
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Opens a business bank account that requires an EIN.
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Elects to be taxed as a corporation (C-corp or S-corp).
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Withholds taxes on income paid to a non-resident alien.
Getting an EIN usually takes minutes online at https://www.einregister.online/
Benefits of Getting an EIN for a Single-Member LLC
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Separates personal and business finances
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Required by many banks for opening business accounts
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Protects your SSN from being used publicly
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Required if you hire employees later
Bottom line:
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If your SMLLC is just you, no employees, and no special filings, you can use your SSN instead of an EIN.
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But if you want privacy, banking, or future flexibility, getting an EIN is recommended.