Banking for your first raise
Get back to building with hassle-free business banking that moves as fast
as you do.
Trusted by dynamic companies
Built for the runway ahead
FDIC-insured checking & savings
Foolproof wire instructions
Debit & credit cards for your team
No hidden
fees
Features your future finance team will love
Hassle-free application
Apply in 10 minutes or less
Upon approval, you can immediately access your account numbers, fund your account, send investors wire instructions, and issue cards to your founding team.
Stay in control
Bank with precision from one intuitive dashboard
Manage your funds and track your runway with free checking and savings accounts, plus give your team custom permissions — all from a single dashboard.
Credit Cards
Boost your spending power
Keep all your spending in one place and earn 1.5% cashback2 with IO, the corporate card built on Mercury.
Integrations & perks
Integrates seamlessly with best-in-class tools
Take advantage of integrations with popular tools, including Xero, QuickBooks, and Zapier — and get discounts on platforms like AWS and Slack.
Globally minded banking
Move money around the world
Send international wires in USD for free — or in foreign currencies for just a flat 1% fee.
Features designed to keep you in control
The banking foundation for startups with global aspirations
Transparent pricing
- FDIC-insured checking & savings
- No monthly fees or overdraft fees
- Free domestic and international (USD) wires
- Free ACH transfers
- Flat 1% currency exchange fee
- 1.5% cashback on all credit spend
- Free DACAs & Letters of Credit
Answers to all of your questions
See full FAQ- Checking and savings accounts with no monthly fees
- The protection of up to $5M in FDIC insurance
- Debit and credit cards for your whole team
- Wires, ACH, and check payments
- Treasury management and venture debt options
- Time-saving finance automations
- Customizable permissions that keep you in control
- The knowledge, network, and connections you need
- An experience over 100K startups love
**The IO Card is issued by Patriot Bank, Member FDIC, pursuant to a license from Mastercard.
Open your account in 10 minutes or less
Build on a secure foundation — no matter your startup’s size or stage.
Open Account