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

Mobile app Mercury UI

Access credit cards on day one for eligible customers

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  • Earn 1.5% cashback on all spend

  • No personal guarantee or business credit history required

  • Create virtual cards for your team with precise permissions and spend controls

Mercury’s IO credit card surrounded by virtual cards.

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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Streamline bill payments and 1099 filing

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  • Populate bill details automatically and detect duplicate payments and subscriptions

  • Set multi-layered approvals and approve payments instantly via Slack

  • Collect W-9s and file federal and state 1099-NEC and MISCs — no exports or third-party tools required

1099 tax filing

Why LLCs love Mercury

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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.

Kelin Carolyn Zhang

Co-founder, Poetry Camera

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. 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 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 300K+ 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 through Choice Financial Group and Column N.A., Members FDIC. Deposit insurance covers the failure of an insured bank.