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.

Mercury for Business Disclosures

Explore how Mercury business accounts work, from moving money to storing and protecting it.

Not a Bank

Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

Not a Bank + Partner Bank / Sweep Network

Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial GroupOpens in new tab and Column N.A.Opens in new tab, Members FDIC. FDIC deposit insurance covers the failure of an insured bank. Deposits in checking and savings accounts are FDIC-insured through Choice Financial Group and Column N.A. and their Sweep Program Network Banks. Certain conditions must be satisfied for pass-through FDIC insurance to apply. Learn more here.

Mercury Debit Card

The Mercury Debit Cards are issued by Choice Financial Group and Column N.A., Members FDIC, pursuant to licenses from Mastercard®.

IO Corporate Charge Card

The IO Card is issued by Patriot Bank, N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

IO Eligibility

The IO Card is issued by Patriot Bank, N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated. Eligible customers can access the IO card on day one of opening a Mercury account, limitations applyOpens in new tab. To receive cash back, your Mercury accounts must be open and in good standing, meaning they cannot be suspended, restricted, past due, or otherwise in default.

Mercury Working Capital / Venture Debt

Loan amounts are subject to eligibility and credit criteria. Mercury’s Venture Debt and Working Capital loans are originated by Mercury Lending, LLC (NMLS: 2606284) and serviced by Mercury Servicing, LLC (NMLS: 2606285). Mercury Lending and Mercury Servicing are wholly-owned, separately managed subsidiaries of Mercury Technologies, Inc. At this time, unable to offer working capital or venture debt loans to businesses operating in California.

Currency Exchange Fees

Non-USD international wires are subject to a flat 1% currency exchange fee. Non-USD transactions made with business debit cards and IO credit cards are also subject to a currency exchange fee of up to 3%.

Mercury Pro/Plus Features

Some features are only accessible to paid subscribers. Learn more about Mercury subscription plans here.

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.