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.

Less time on banking, more time for client care

Combine your checking, savings, invoicing, and cards in one place to keep your business healthy.
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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.

No hidden or monthly fees. No minimums. So your business can thrive.

Bank with confidence

Up to 20x the industry standard in FDIC insurance with our partner banks and sweep networks

Build credit and get rewards

1.5% cashback on all credit card spend and low balance minimums

Save when you pay

Free ACH and USD wires, and just 1% on payments in 40+ currencies

Get a holistic view of your finances from one easy-to-use dashboard

Access and manage your money from anywhere

Explore Banking
  • Approve payments, issue cards, and check cashflow from your phone
  • Get real-time visibility into balances and transactions between sessions or visits
  • See large transactions, low balances, and approvals via our modern mobile app
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Invoice clients with ease

Explore Invoicing
  • Create and send polished, branded invoices right from your account
  • Let clients pay however they prefer: card, Apple Pay, Google Pay, or wire ACH debit
  • See payment status and send reminders for overdue payments in just a few clicks
UI showing how you have a birds-eye view of invoices

Build business credit and get 1.5% cashback on all credit spend

Explore Cards
  • Access corporate credit cards on day one for eligible customers
  • No personal guarantee or business credit history required
  • Create virtual cards for your team or certain merchants
Mercury’s IO credit card surrounded by virtual cards.

Simplify operations so you can focus on client care

Explore Bill Pay
  • Seamlessly integrate with QuickBooks, Xero and NetSuite for easier accounting
  • Use Mercury Bill Pay for seamless management and record-keeping 
  • Assign special access to office managers, bookkeepers, or business partners
  • Collect W-9s and file federal and state 1099-NEC and MISCs — no exports or third-party tools required
1099 tax filing

The benefits of modern banking come in many forms

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Perks

Our perks include deals for Slack, QuickBooks, Notion, Namecheap, and more.

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

Tools

Explore our suite of free tools like our invoice generator, profit margin calculator, and more.

Frequently asked questions

Mercury was founded with the idea of making banking better for startups. We spent our first five years creating a powerful bank account that made banking feel less like an obstacle and more like a catalyst.Now, we’re building software to run all your financial operations from that powerful bank account so your company can perform at its best — that means more precision, more control, and more focus. We call it “operational excellence.”We offer:
  • Checking and savings accounts with no monthly fees
  • The protection of up to $5M in FDIC insurance through our partner banks and their sweep networks
  • Debit and credit cards for your whole team
  • Reimbursements for out-of-pocket expenses
  • Wires, ACH, and check payments
  • Treasury management and venture debt options
  • Time-saving finance automations, including bill pay, invoicing, accounting automations, and expense reimbursements
  • Customizable permissions that keep you in control
  • The knowledge, network, and connections you need
  • An experience over 200K startups love

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.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.

Yes, you can create separate accounts for different locations and manage them under one account. You can use custom roles and permissions to ensure your finance teams in each location only see what’s relevant to them.

Yes, you can open multiple accounts to separate funds and budget for different expenses, for example payroll, equipment, marketing, or operations.

Mercury does not directly integrate with insurance reimbursement systems. However, you can receive insurance payouts the same way you accept any other ACH, wire, or check deposit into your Mercury account.For client payments, Mercury is compatible with payment processors like Stripe, Square, Shopify, and Paypal.

Mercury has four types of access: admin access, bookkeeper access, custom access, and card-only access. Users with admin access can receive a debit card, can move money, and can add team members or change their permissions. Users with bookkeeper access won’t receive a debit card, can’t move money, and can’t add or edit users. Users with custom access can either move money around unrestricted, not at all, or with admin approval. They can be issued a debit card but cannot access security settings or manage the team. Users with card-only access can be issued a debit card and are only able to view their own transactions. They cannot view account information or transactions outside of their debit card.

Trusted by 200K+ startups, small businesses, and healthcare providers

Apply in 10 minutes — no minimums required.
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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.