Is Your Address a CMRA? Free Lookup Tool for 2026

Why CMRA Status Decides What Your Address Can Do

Banks, landlords, and state filing offices quietly run every address through USPS data before they approve an application. Two fields do most of the work. The CMRA flag tells them whether the address is a registered mail-receiving service. The RDI (Residential Delivery Indicator) tells them whether USPS classifies the address as residential or commercial.

Those two fields together create four possible address types, and each type behaves differently when you try to open a business bank account, file an LLC, or apply for IRS forms. An address that looks identical on a map can be an automatic approval in one case and a manual review in another, purely based on how USPS labeled the record.

What Changed When USPS Retired Its Free Address Lookup

The USPS Web Tools API ran for more than two decades as the default free endpoint for address validation, CMRA lookup, and RDI classification. On January 25, 2026, USPS retired it and moved users to a new API with strict rate limits, around 60 lookups per hour, and a policy that restricts the data to shipping label use cases only. Plain address verification, which is what founders, landlords, and small businesses actually relied on, no longer fits the allowed use.

That left a gap for anyone checking an address for non-shipping reasons, such as confirming that a virtual office address will not trip a bank filter, or verifying that a potential home office address is classified as residential. Commercial vendors still license the same USPS-certified data, including the CMRA flag and the RDI field, and route it through their own APIs.

The Four Address Types, Explained

Every US street address falls into one of four buckets once you combine the CMRA flag with the RDI classification. Each bucket tells you what the address can safely be used for.

The grade a verification tool assigns is a readable label on top of this combination. Non-CMRA plus commercial tends to score highest, CMRA plus commercial typically scores lowest among valid addresses, and a vacant or undeliverable address scores worst because it cannot be verified at all.

How UPS Store, iPostal1, and Virtual Offices Score Differently

Mailbox-style services look almost identical from the outside, but the USPS data behind each one can differ sharply. Here is how the most common options tend to land.

• UPS Store: registered CMRA at every location, typically classified as commercial. It can work for mailing, but banks frequently flag it.
• iPostal1 and similar CMRA networks: almost always CMRA-flagged, usually commercial. Useful for forwarding, less reliable for bank onboarding without supporting documents.
• Regus and traditional executive suites: some locations are CMRA-flagged, others are not, depending on how the building registered with USPS. Always check the specific address, not the brand.
• Virtual office providers: varies provider by provider. A few, including save office, operate out of real commercial buildings that are not flagged as CMRA in USPS data, which is the main reason those addresses clear bank verification on the first try.
• Home address: not CMRA, but residential. Works for many banks and LLC filings, at the cost of publishing your home address on state records.

What Banks, the IRS, and LLC Filings Do With a CMRA Flag

Each system treats the flag slightly differently. Knowing which one matters for your situation tells you whether to worry about the result.

Checklist: Verify Your Address Before You Use It

Run through this list before an address goes on any application. Each step can be done in under a minute, and catching a problem here is the difference between same-day approval and a 3-week hold.

• (1) Confirm the address is valid and deliverable in USPS data. A vacant or undeliverable address fails every downstream check.
• (2) Check the CMRA flag. If flagged, prepare a lease or mail service agreement and a signed Form 1583.
• (3) Check the RDI classification. Commercial tends to score best, residential is fine for many uses, vacant is a red flag.
• (4) Confirm the address has a suite number if the building needs one. Missing suite numbers drop the score and can fail matching during bank verification.
• (5) Match the exact address on your state LLC filing, EIN letter, and bank application, character for character.
• (6) Run the same check on every location you are considering before you sign up, not after.

How to Check Your Address in 30 Seconds, Free

We built the save office address checker to cover the gap left by the retired USPS lookup. It runs the same USPS-certified CMRA and RDI check, combines them with deliverability and building-type data, and gives the result a plain-English grade from A to F with a breakdown for banks, LLC filings, the IRS, and privacy. No signup, no payment, no stored address data.

Paste any US street address at the save office address checker. Within a few seconds the tool returns the CMRA status, the residential or commercial classification, a grade from A to F, and a field-by-field read on whether it will clear bank onboarding, work as an LLC principal address, and pass IRS filing requirements. Solo founders have been using the same tool to pre-screen addresses before applying to Mercury or filing with the Secretary of State.

If the tool returns a grade that is lower than you need, every save office location in Tampa, Washington DC, Wilmington Delaware, New York, San Francisco, and Los Angeles has already been verified, and most land in the non-CMRA commercial tier that scores highest.

Beyond the CMRA Flag: Where Address Classification Keeps Showing Up

The CMRA check tends to be the headline, but the same USPS classification follows the address into places founders do not always expect. Homeowners insurance, commercial insurance, payment processor approvals, Google Business Profile verification, import-export license applications, and certain SaaS vendor onboarding flows all read the same flag. An address that clears bank verification tends to clear all of them.

That is why the question is not only can I open a bank account with this address, but will this address hold up everywhere I need to use it over the next three years. A one-time 30-second check before the address goes on the first form is the cheapest insurance there is.