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.
Accounts dashboard UI

Business banking for building great things

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

Mercury will occasionally send you emails with offers, news, and promotions. Check this box if you do not want to receive them.

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

Explore demo

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

AI built into your account

Hand off tasks to Command and get real-time financial insights

Get back to building with streamlined banking and financial operations

Bank at your speed

Apply now

  • Fast online application and onboarding

  • Start spending immediately with virtual cards

  • Complete any banking task in seconds with AI

  • Get instant insights from your money movement

  • Bank on-the-go with an intuitive mobile app

Set your finances on auto-pilot

  • Automate money movemenet with auto-transfer rules and payroll wire drawdowns

  • Approve payments instantly via Slack

  • Close the books quickly and accurately with Xero and QuickBooks integrations

  • Skip manual tasks completely and hand off work to Command, your AI assistant

  • Use our CLI, MCP, and APIs to take action directly from your tools

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

Learn more

  • 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

1 / 3

Access an entire financial platform powered by your Mercury account

Image showing a real credit card alongside several illustrated credit card designs.

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.

Image of a bar graph comparing two types of data with a total amount displayed.

Venture Debt

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

Fictional invoice highlighting three specific items: Item 1 - credit card number, item 2 - name, item 3 - total amount

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.

Showing logos of available perks, like Google Cloud.

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
  • Free checkbooks and mailed checks
  • 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 hereOpens in new tab.For more information on eligibility and required documents, please see this articleOpens in new tab.

Mercury works with two FDIC-insured banks, Choice Financial Group and Column N.A. 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.

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 hereOpens in new tab.We’d love to support residents of more countries over time, so let us know at hello@mercury.comOpens in new tab if you live in one of the above countries and we’ll let you know if anything changes.

Mercury business banking has no minimum account balance requirements, overdraft fees, required monthly fees, or account opening fees. However, certain features may incur fees. These include: making mass payments on our API, accessing Mercury Treasury, 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 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 accounts are free for everyone. Anyone can send payments from their 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.

Mercury is a financial technology company, not a bank — but we're working toward becoming one. In April 2026, we received conditional approval from the Office of the Comptroller of the Currency (OCC) to establish Mercury Bank, N.A. Today, we build software to help startups and small businesses run their financial operations, and we partner with regulated banks to hold and safeguard your funds. Banking services on Mercury are provided by our partner banks, Choice Financial Group and Column N.A., Members FDIC. When you open a Mercury account, your funds are held at one of these FDIC-insured banks or their sweep networks. Banking details for each deposit account are available in the Mercury dashboard and on account statements so you can see exactly where your money is held. We're now in the bank organization phase, working toward final authorization from the OCC and pending approvals from the FDIC and the Federal Reserve. Nothing changes for customers in the meantime — you’ll continue using Mercury exactly as you do today.

Open your account in 10 minutes or less

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

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.