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A CMRA registration is a rule the operator has to follow.
Every coworking space, virtual office, or shared office that receives mail for other people has to register with USPS. The flag is a record of that registration. For you it means one extra identity form (Form 1583). It is not a reason to be rejected.
A virtual office address does work as a business address. You can use it for company registration and government filings, and most banks approve it. If a bank gives you trouble, save office refunds 100% (terms §6.4).
Or try a save office address
What is a CMRA?
A Commercial Mail Receiving Agency (CMRA) is a private business that accepts mail on behalf of others. UPS Store locations, virtual mailbox services, virtual offices, and coworking or shared-office spaces that receive client mail all operate as CMRAs — USPS rules require any of them to register. They keep Form 1583 on file to authorize mail receipt.
The flag itself is a compliance record: USPS rules require a service that receives mail on behalf of third parties to register, and the flag records that registration. Separately, USPS classifies every address as residential or commercial — a field called the Residential Delivery Indicator (RDI). This checker returns both.
Quick take: the CMRA flag is a registration record, not a rating. What decides an application is the institution's own published policy — so read that policy, and check the provider's refund terms, rather than judging by the flag alone.
CMRA vs PO Box: What's the Difference?
| Feature | CMRA | PO Box |
|---|---|---|
| Street address | ✅ Yes | ❌ No |
| Package delivery | ✅ All carriers | ⚠️ USPS only |
| LLC registration | ✅ Most states | ❌ Usually not |
| Bank account | ✅ Most banks approve | ❌ Often rejected |
| IRS accepted | ✅ With Form 1583 | ✅ Yes |
Why Banks Care About Your Address Type
As part of Know Your Customer (KYC) regulations, banks verify the addresses provided by account applicants. A mail-receiving flag on an address typically routes the application toward extra documentation — Form 1583 and the mail service agreement — more often than toward rejection.
Where addresses are excluded outright, the published rule is usually about the service category, not the USPS flag: Mercury and Relay, for example, exclude mail-receiving and virtual address services by name in their requirements. That is why reading a bank's own requirements page tells you more than the flag ever will.
Heads up: If a bank rejects your application, it won't tell you it was the address. You'll see a generic “unable to verify” notice, so it's worth checking before you apply.
Is My Address Residential or Commercial?
Every deliverable US address carries a USPS classification called the Residential Delivery Indicator (RDI): residential or commercial. This tool returns that classification for any address you enter, so you can use it as a residential-or-commercial address checker even when the CMRA flag is not the question you came with.
The classification shows up in practice with carriers, which use it to price delivery — residential destinations usually cost more to ship to than commercial ones — and it is one of the fields institutions see when they verify an address. If you are not sure how the USPS sees your address, run it above and read the RDI line in the result.
Addresses Banks Commonly Recognize
Some addresses are shared by thousands of businesses because they belong to large registered-agent, virtual-office, or mass-mailbox providers — and banks, payment processors, and KYC reviewers often recognize them on sight. This checker screens every lookup against our database of 2,700+ known shared business addresses. Browse the known mass-registration operators behind them to see whether an address belongs to one before you sign up.
What Happened to the USPS Address Lookup?
The USPS Web Tools API, which allowed anyone to verify addresses for free, was retired on January 25, 2026. The replacement API has strict rate limits (60 lookups per hour) and is limited to shipping label use cases. This tool draws on certified USPS data (RDI/CMRA classification) to provide address intelligence for business-address checks.
Good news: this tool is free for everyday checks, with no paid tiers. We pull from certified datasets, so you just skip the paperwork.
Frequently Asked Questions
Is a UPS Store address a CMRA?
Yes. Every UPS Store location is a registered CMRA, and the location itself is a retail mail counter rather than an office you work from. The flag records what the location does with mail. It is not a rating, and on its own it does not tell you how a given bank or state agency will treat the address, because those rules are published separately and differ from one to the next.
Can I use a CMRA address for my LLC?
Usually yes, and the flag is the wrong thing to fixate on. Most states allow a CMRA as a mailing address, many accept it as the principal address, and the IRS accepts a CMRA street address for the EIN and tax correspondence. Registered agent addresses are the main exception, since states generally require a non-CMRA physical location there. How a bank reads the address is decided by that bank's own published policy rather than by this flag, so read the policy before you apply and keep Form 1583 and the mail service agreement on file.
Do banks accept CMRA addresses?
Some do and some do not, and in the published policies we have read the deciding factor is the service category rather than the flag. Mercury and Relay both exclude mail-receiving and virtual address services in their stated requirements, which is a rule about the kind of provider rather than about a USPS flag. For save office addresses specifically: most banks approve them, and when one does not, you send us the bank's written denial within 30 days — we help you work through it, and if it cannot be resolved we refund 100% of the subscription fees (terms §6.4). Whichever provider you choose, check that they publish that kind of guarantee before you pay.
Are all virtual offices CMRAs?
No, and that surprises people. USPS records the mail-receiving flag per delivery point, so a virtual office run out of a real commercial building may carry no CMRA flag at all, while a mailbox counter almost always does. save office addresses are a case in point: every one of them carries the USPS commercial classification, and five of the seven carry no CMRA flag, while San Francisco and Washington DC do. Paste any of them here and read the result for yourself.
How do I tell a safe address from a mailbox?
Run the address here to see the USPS classification, then apply one more filter that has nothing to do with USPS: ask whether the provider publishes a money-back guarantee for address rejections. A provider whose addresses clear registration and banking checks can afford to stand behind them; a mailbox reseller cannot. save office refunds 100% of the subscription fees for an address if a government agency or financial institution denies your registration or bank application over that address, on receipt of the written denial letter within 30 days.
How accurate is this tool?
This tool draws on certified USPS data (RDI/CMRA classification). The CMRA status, RDI classification, and deliverability data are sourced from official USPS databases.
Will my address be stored?
Each search is logged — the address you check and its classification result — so we can rate-limit abuse, debug problems, and improve coverage. If you enter your email, it is stored alongside your search as described in our Privacy Policy. We never publish, share, or sell the addresses you look up, and we don't use them to build a public database.
What does RDI mean?
RDI stands for Residential Delivery Indicator. It tells you whether the USPS classifies a given address as residential or commercial. Carriers use it to price delivery, and it is one of the fields institutions see when they verify an address.
Can this tool tell if an address is a PO Box?
A USPS PO Box is easy to recognize because the address itself starts with PO Box. The harder case is a private mailbox (PMB) inside a commercial mail-receiving agency: it looks like a normal street address but works like a mailbox. That is the case this checker is built to catch — enter the street address and the result shows whether USPS lists it as a registered mail-receiving point.
How can I verify a mailing address for free?
Since the USPS retired its free Web Tools lookup in January 2026, the practical free route is a third-party tool built on USPS-certified data. This checker verifies deliverability, the residential or commercial classification (RDI), and the CMRA flag for any US address at no cost.
Is there an official USPS CMRA lookup or list?
No. The USPS records CMRA registrations through Form 1583 paperwork filed at local post offices, but it does not publish a public list or a search page. The retired Web Tools API used to expose the CMRA flag to developers; today that flag lives in USPS-certified commercial data, which is what this checker reads.
How do I find a CMRA near me?
Check whether you actually need one nearby first. Mail at a CMRA is typically scanned and forwarded, so for LLC registration or banking, the classification of the address matters far more than its distance from you. If what you need is a business address that reads well to banks, browse the save office locations page — every save office address carries the USPS commercial classification, and five of the seven carry no CMRA flag. Two, San Francisco and Washington DC, do.
Disclaimer: This tool provides general information based on USPS-certified data and is not legal, financial, or tax advice. Address acceptance policies vary by bank, state, and institution. Consult a qualified professional for guidance specific to your situation. Searches are processed in real time and logged as described in the FAQ above.