Mercury logoThe logo for Mercury, featuring a circular emblem with abstract, interconnected swirling lines on the left, and the word "MERCURY" in clean, uppercase letters to the right.

Banking for agencies, consultants, and firms

Streamlined banking that combines checking, savings, invoicing, and cards in one. Apply in 10 minutes or less.
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Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

$0 monthly fees. $0 minimums. $0 USD wires. So your business can do more.

Bank with confidence

Up to 20x the industry standard in FDIC insurance with our partner banks and sweep networks

Automate your accounting

Integrate with accounting software to track your money movements

Save when you pay

Free ACH and USD wires, and just 1% on payments in 40+ currencies

Businesses like yours love Mercury

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We love Mercury’s interface. Built-in permissions means our accountant can easily make payments — literally one click and it’s done.

Karen Halstead

Founder, Ways & Means

One powerful, intuitive account

Access and automate your finances from anywhere

Explore Banking
  • Seamlessly integrate with QuickBooks, Xero and NetSuite 
  • Prioritize profit by using multiple accounts to split income and allocate funds 
  • Monitor and move your money on the go with a modern mobile app
Mobile app Mercury UI

Invoice your customers the way you want

Explore Invoicing
  • Generate polished invoices and payment reminders and easily send recurring invoices for monthly retainers
  • Get paid by credit card, Apple Pay, Google Pay, wire, ACH transfer, and ACH debit
  • Simplify reconciliation with automatically matched payments and invoices
UI showing how you have a birds-eye view of invoices

Build business credit and get 1.5% cashback on all credit spend

Explore Cards
  • Access corporate credit cards on day one for eligible customers
  • No personal guarantee or business credit history required
  • Create virtual cards for your team or certain merchants
Mercury’s IO credit card surrounded by virtual cards.

Simplify contractor payments and 1099 filing

Explore Bill Pay
  • Manage all your bills with Mercury Bill Pay for seamless management and record-keeping 
  • Collect W-9s and prefill forms with AI data extraction
  • File federal and state 1099-NEC and MISCs for 2025 tax season
  • Grant your bookkeeper or accountant special access
1099 tax filing

Modern banking has its perks

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Perks

Our perks include deals for Slack, QuickBooks, Notion, Namecheap, and more.

Image showing the actions you can take with invoices — send, remind, get paid all in Mercury.

Tools

Explore our suite of free tools like our invoice generator, profit margin calculator, and more.

Frequently asked questions

Mercury was founded with the idea of making banking better for startups. We spent our first five years creating a powerful bank account that made banking feel less like an obstacle and more like a catalyst.Now, we’re building software to run all your financial operations from that powerful bank account so your company can perform at its best — that means more precision, more control, and more focus. We call it “operational excellence.”We offer:
  • Checking and savings accounts with no monthly fees
  • The protection of up to $5M in FDIC insurance through our partner banks and their sweep networks
  • Debit and credit cards for your whole team
  • Reimbursements for out-of-pocket expenses
  • Wires, ACH, and check payments
  • Treasury management and venture debt options
  • Time-saving finance automations, including bill pay, invoicing, accounting automations, and expense reimbursements
  • Customizable permissions that keep you in control
  • The knowledge, network, and connections you need
  • An experience over 200K startups love

You’ll need your company’s official formation documents, your IRS-issued EIN document (for U.S. entities only), and a picture of the government ID (e.g., a passport or U.S. driver’s license) for each founder or majority owner of your company. You'll also need to provide some information about your company and each company owner.Customers must have some type of existing or planned operations in the U.S. and a U.S. or international address for their principal place of business. This can be a residential address, but may not be a registered agent, PO box, or UPS box address. Our customer base includes startups and ecommerce companies, as well as venture capital firms with entities in the Cayman Islands, British Virgin Islands, and United Arab Emirates. Upon applying, we’ll review to ensure you have up-to-date formation documents and otherwise satisfy our onboarding requirements.We cannot currently support accounts for businesses with founders or financial controllers living in the countries and regions listed here.For more information on eligibility and required documents, please see this article.

Yes, we’re proud to support U.S. companies founded by people across the globe. Customers must be formed and registered in the United States or a U.S. territory, must have some type of existing or planned operations in the U.S., and have a U.S. or international address for their principal place of business. This can be a residential address, but may not be a registered agent, P.O. box, or UPS box address.We cannot currently support accounts for business with founders or financial controllers living in the countries and regions listed here.We’d love to support residents of more countries over time, so let us know at [email protected] if you live in one of the above countries and we’ll let you know if anything changes.

Mercury checking and savings deposits are FDIC-insured up to $5M through our partner banks and their use of sweep networks. As a broader effort, we are working on expanding all coverage even further. You can learn more about FDIC insurance here.

Mercury business banking is free to use. There are no account minimums, overdraft fees, monthly fees, or account opening fees. However, certain advanced features may incur fees. These include: making mass payments on our API, accessing Mercury Treasury account management, making non-USD business debit or credit card transactions, exchanging money in non-USD currencies, and sending USD internationally with optional premium processing. Customers have the option to select a paid plan (starting at $35/month) for access to these advanced payment workflows, including more invoicing features, our enriched NetSuite automations, and reimbursing out-of-pocket expenses for more than 5 active users per month.If your business doesn’t need access to these advanced financial workflows quite yet, don't worry. Our business checking and savings bank accounts are free for everyone. Anyone can send payments from their Mercury account without subscribing to a paid plan. When you're ready, you can upgrade to access the advanced features at the price point that makes sense for your company and volume of business.

Customers can create, send, track, and receive payments on as many invoices as they’d like in the free version of Mercury. Advanced financial workflows and invoicing capabilities, like sending recurring invoices and including logos and preferred color schemes, are available as part of our paid plans (starting at $35/month). Learn more about pricing here. It’s free for customers to pay you by ACH transfer, wire, or check through Mercury. Stripe charges a processing fee for each credit card payment, which is typically 2.9% + $0.30. Mercury charges an international transaction fee on non-USD debit and credit card transactions.

Mercury supports many types of businesses — from  SaaS, ecommerce, agencies and consultants, and more. Whether you’re a solo entrepreneur, managing a growing team, or overseeing multiple businesses, Mercury is designed to grow with you.

Trusted by 200K+ startups and small businesses

Apply in 10 minutes — no minimums required.

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Disclaimers and footnotes

Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. Deposit insurance covers the failure of an insured bank.