Fidelity won't open the business account for my LLC

[Zehua Zhou]

My LLC is 100% owned by my 401k. So it is a disregarded entity where the tax should flow to my 401k.

When I try to open a business account with Fidelity, I filled their form to explain that the owner is my 401k and the manager is me. They declined my application after a week of review, citing that "Non-retirement accounts cannot hold retirement funds".

Can you please let me know your suggestion here? My 401k is set up with uDirectIRA. If I don't setup the LLC and don't setup the bank account, then it will be a lot slower because every time when I sign for the offer or for some expense, I have to ask them to sign. Also uDirectIRA's trust account only pays 0.1% interest, but Fidelity pays nearly 5% interest.