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Bank accounts for the runway ahead

Get checking and savings accounts that go beyond traditional banking.
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Mercury is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Column N.A., and Evolve Bank & Trust®; Members FDIC.

Everything you need for smooth banking

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Bank accounts

FDIC-insured checking and savings

Corporate cards

Virtual and physical debit & credit cards

Free wires

Free domestic and international USD wires

Transparent pricing

No hidden or monthly fees

Seamless payments

Make scheduled & recurring payments via ACH, wire, or check

Custom approvals

User-level permissions and controls

Get back to building with streamlined banking and financial operations

Bank at your speed

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  • Fast online application and onboarding
  • Start spending immediately with virtual cards
  • Complete any banking task in just a few clicks
  • Bank on-the-go with an intuitive mobile app

Set your finances on auto-pilot

  • Create auto-transfer rules between your accounts
  • Approve payments instantly via Slack
  • Close the books quickly and accurately with Xero and Quickbooks integrations
  • Automate payroll with easy wire drawdowns
Examples of automation rules in Mercury with ops/payroll and accounts receivable accounts used as examples

Control spend effortlessly with advanced rules

  • Create user-level permissions so that employees and bookkeepers only access the accounts they need
  • Set approval rules for large purchases and specify who can make payments without approval
  • Manage team spend with customizable & flexible card limits

Store your funds with complete confidence

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  • Get up to $5M in FDIC insurance through our partner banks and their use of sweep networks
  • Protect deposits while earning yield with SPIC-insured Mercury Treasury money market portfolios
Bar graph showing the difference between the industry standard of 250K FDIC insurance, and Mercury's expanded FDIC insurance of 5M.

Send and receive payments seamlessly

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Access an entire financial platform powered by the bank account

IO credit card

IO credit card

Confidently scale your team with the IO Mastercard. Earn 1.5% cashback with startup-friendly credit limits.

Representative Treasury portfolio

Treasury

Earn yield on idle cash right alongside your operating accounts.

Stylized representation of a Simple Agreement for Future Equity, with a $250,000 Post-Money SAFE Signed by John Marnie

SAFEs

Easily create and manage SAFEs right inside Mercury, plus potentially save money on legal fees.

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Mercury Raise

Connect with investors, founders, and experts via our startup success platform.

Representation of $9.6 million venture debt balance, split between a current balance and outstanding draw request

Venture Debt

Supercharge your growth and extend your runway with Mercury Venture Debt.

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Startup perks

Get discounts on hundreds of popular tools, including AWS and Google Cloud.

Transparent pricing

See Pricing
  • Free checking and savings accounts
  • Zero 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
  • DACAs & letters of credit

Don’t just take it from us

The [Mercury] application process was easy and fast. It felt straightforward and nonsense-free. I didn’t feel that I had to be on the lookout for sneaky fees.

Jake Stein

Co-founder & CEO

Common Paper

SaaS

I love how easy it is to process payments without having to call to verify each one. Plus, Mercury’s permission structure lets me give the team access to the info they need while keeping the account secure.

Dina Burkitbayeva

CEO

Freedom Biosciences

Biotechnology

Mercury is so intuitive and saves us so much time. Plus, free international transfers save us a ton of money when we pay our suppliers overseas.

Mark Zhang

CEO

Manta Sleep

Ecommerce

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Frequently asked questions

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.

Mercury checking and savings deposits are FDIC-insured up to $5M through our partner banks and 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 works with two FDIC-insured banks, Choice Financial Group and Evolve Bank & Trust. You can locate your Mercury account’s banking provider by logging in and viewing the banking partner listed on your Mercury statements. Through each of our partner banks, Mercury customers get access to a sweep network of trusted banks. This sweep network provides up to $5M in FDIC insurance by automatically spreading your deposits across up to 20 different banks, without requiring you to open and manage separate bank accounts.Our Treasury* product is offered through an additional partner, Apex Clearing Corp, who is a FINRA-regulated broker-dealer. The mutual funds that you can invest in through Mercury Treasury are managed by Morgan Stanley and Vanguard.

Yes, we’re proud to support U.S. companies founded by people across the globe, as well as founders and venture capital firms with an entity based in the Cayman Islands, British Virgin Islands, and United Arab Emirates. 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.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 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. Learn more about pricing here. 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.

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Build at your best with business banking that transforms how you operate.
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Disclaimers and footnotes

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