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Bank accounts for the runway ahead

Get up to $5M FDIC insurance with 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 and Evolve Bank & Trust®; Members FDIC.

Everything you need for smooth banking

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 Mercury Treasury money market portfolios
Column chart comparing $5M FDIC insurance available through Mercury versus the industry standard $250K

Send and receive payments seamlessly

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Access an entire financial platform powered by the bank account

Transparent 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


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


Freedom Biosciences


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


Manta Sleep


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Frequently asked questions

Open your account in 10 minutes or less

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