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.

Complete business banking for LLCs

Simplify your finances with banking, cards, bill pay, and invoicing in one place. No deposit minimums or hidden fees.
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Mercury is a financial technology company, not a bank. Banking services provided through Choice Financial Group, Column N.A., and Evolve Bank & Trust; Members FDIC.

A bank account that does more

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Bank with confidence

20x the industry standard in FDIC insurance

Easily separate business finances

Apply in 10 minutes and enjoy no minimums or hidden fees

Save when you pay

Free ACH and wires in USD, plus payments in 40+ currencies for a 1% fee

Automate your accounting

Integrate with accounting software to track your money movements

Build credit while getting rewards

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

Prioritize profit

Use multiple accounts to split income and allocate funds

Run your finances from one dashboard

Powerful banking that feels extraordinary to use

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  • Start spending with virtual cards as soon as you’re approved
  • Bank even when you’re on-the-go with a modern mobile app
  • Intuitive payment approval flows make it easier to stay on top of your cashflow
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Uncapped 1.5% cashback on all credit card spend

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  • Qualify for Mercury’s IO credit card with an industry-low $15K cash balance minimum
  • No personal guarantee or business credit history required
  • Create unlimited virtual cards for your team with precise permissions and spend controls
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Seamless invoicing for you and your customers

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  • Generate polished invoices and payment reminders and easily send recurring invoices
  • Get paid by credit card, Apple Pay, Google Pay, wire, ACH transfer, and ACH debit
  • Simplify reconciliation with automatically matched payments and invoices
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Handle all your bills with precision

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  • Populate bill details automatically and detect duplicate payments and subscriptions
  • Set multi-layered approvals and approve payments instantly via Slack
  • Easily request and store W9 tax information for contractors and vendors

Why LLCs love Mercury

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Kelin Carolyn Zhang, Co-founder, Poetry Camera

“Banking with traditional banks is such a huge drain on time and energy. We didn’t want to get bogged down in paperwork and process, we just wanted to get to work. Setting up a Mercury account was a no-brainer.”

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Drew Giovannoli, Founder, Buried Wins

“As we’ve grown into a win-loss agency, Mercury has scaled right alongside us. It’s been a rare combination of simplicity at the start and sophistication as we’ve grown.”

Perks and tools for LLCs

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Perks

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

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Tools

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

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Frequently asked questions

You’ll need your company’s official formation documents, your IRS-issued EIN document (for U.S. entities only), and a picture of the government ID (e.g., a passport or U.S. driver’s license) for each founder or majority owner of your company. You'll also need to provide some information about your company and each company owner.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 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.

Yes, we’re proud to support U.S. companies founded by people across the globe, as well as founders and venture capital firms with an entity based in the Cayman Islands, British Virgin Islands, and United Arab Emirates. 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.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 checking and savings deposits are FDIC-insured up to $5M through our partner banks and their use of sweep networks. As a broader effort, we are working on expanding all coverage even further. You can learn more about FDIC insurance here.

Mercury supports all types of LLCs — from  SaaS, ecommerce, and agencies, to consultants, law firms, and real estate developers. Whether you're a solo entrepreneur, managing a growing team, or overseeing multiple businesses, Mercury is designed to fit your business as you grow.

You can add team members, including bookkeepers, to your Mercury account through the Team tab in your Settings page.

Join 200K+ startups and small businesses on Mercury

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 by Choice Financial Group, Column N.A., and Evolve Bank & Trust, Members FDIC. Deposit insurance covers the failure of an insured bank.