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Frequently asked questions

Help Center
What is Mercury?
Mercury is banking and credit cards designed to help companies bank at their speed, take action from a single source of truth, and accelerate growth. We offer:
  • Checking and savings accounts with no monthly fees
  • The protection of up to $5M in FDIC insurance
  • Debit and credit cards for your whole team
  • Wires, ACH, and check payments
  • Treasury management and venture debt options
  • Time-saving finance automations
  • Customizable permissions that keep you in control
  • The knowledge, network, and connections you need
  • An experience over 100K startups love
*Mercury is a financial technology company, not a bank. Banking services provided by Choice Financial Group and Evolve Bank & Trust®; Members FDIC.
**The IO Card is issued by Patriot Bank, Member FDIC, pursuant to a license from Mastercard.
What do I need to apply for an account?
You’ll need a U.S. company with a federal EIN, your company’s official formation documents, and a picture of your government ID (e.g., a passport or U.S. driver’s license).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 can’t currently open accounts for founders living in the following countries: Afghanistan, Albania, Belarus, Bosnia & Herzegovina, Botswana, Burundi, Central African Republic, Congo, Democratic Republic of the Congo, Cuba, Haiti, Iran, Iraq, Kosovo, Macao, Mali, Mozambique, Myanmar (Burma), Nigeria, North Korea, Lebanon, Liberia, Libya, Nicaragua, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Ukraine (specifically, Kherson, Zaporizhzhia, Donetsk, Luhansk, and Crimea), Venezuela, Western Sahara, Yemen, and Zimbabwe.
What companies will you accept as customers?
We can accept most U.S. companies that aren’t money services businesses or involved with adult entertainment, cannabis or internet gambling. Our product is geared towards tech companies, so it might not be the best fit for some other businesses, especially ones that frequently deal with physical cash. We cannot open accounts for trusts.