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.
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Business banking for building great things

Go beyond traditional banking with free checking and savings accounts, virtual cards, and more.
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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.

Everything you need for smooth banking

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Free checking & savings accounts

FDIC-insured through our partner banks and their sweep networks

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

Bar graph showing the difference between the industry standard of 250K FDIC insurance, and Mercury's expanded FDIC insurance of 5M.

Send and receive money seamlessly

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Access an entire financial platform powered by your Mercury account

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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.

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Venture Debt

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

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Bill pay

Streamline your bill payments by powering them directly from your bank account.

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

Invoicing

Send invoices, track what you’re owed, and get paid the way you want — all from where you manage your banking.

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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 ACH transfers
  • Free domestic and USD international wires
  • 1% currency exchange fee for non-USD international wires
  • 1.5% cashback on all credit spend
  • DACAs
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

Frequently asked questions

You’ll need your company’s official formation documents, your IRS-issued EIN document, and a government ID (e.g., a passport or U.S. government identification document – see all acceptable documents here) for at least one person with operating control of the business, as well as  any owner with at least 25% ownership of your company. You'll also need to provide some information about your company and its owner with operating control.Customers must be formed and registered in the United States or a U.S. territory, 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. Once you apply, we’ll review to ensure formation documents are up-to-date and that your company otherwise satisfies 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 works with three FDIC-insured banks, Choice Financial Group, Column N.A., 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 J.P. Morgan Asset Management.

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 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 through Choice Financial Group and Column N.A., Members FDIC. Deposit insurance covers the failure of an insured bank.