Mercury x X2 Mortgage

X2 Mortgage

Powerful banking. Simplified finances.

When you deposit $10K within your first 90 days, get $250 cash for you and your referrer.

Mercury dashboard on a gradient background

Mercury is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Column N.A., and Evolve Bank & Trust®; Members FDIC.

Let banking power your financial operations

Your bank account should do more than hold your money. Now, it can.

Explore Demo

Speed without compromise

Efficiently manage your banking and financial operations from a single dashboard.

Complete any banking task in just a few clicks

An operator’s dream. Mercury combines the speed, simplicity, and smarts that I need to get back to running my business. Search for data or actions, all at your fingertips.

Lindsay Liu

CEO & co-founder, Super

Illustration of interface displaying a payment transfer form with fields for amount, account, sending date, and a toggle to repeat the payment

Send and receive payments seamlessly

Set auto-transfer rules and send free USD wires.

Checking & Savings

Image showing a real credit card alongside several illustrated credit card designs.

Unlock credit cards earlier with industry-low deposit minimums

Unlimited 1.5% cashback on all spend.

Explore Cards

Bank with complete confidence

Bar graph showing the difference between the industry standard of 250K FDIC insurance, and Mercury's expanded FDIC insurance of 5M.

Get up to 20x the industry standard in FDIC insurance through our partner banks and sweep networks.

How Mercury Works

All your financial workflows. Zero complexity.

When your bank account powers your critical financial workflows, you’re already in the flow.

Handle all your bills and invoices with precision

Explore Bill Pay

Hold your money for longer by eliminating third-party processing
Harness AI to populate bill details for you
Set multi-layered approvals and approve payments instantly via Slack
Never overpay with duplicate bill detection
Effortlessly build and track invoices (coming soon)

Control spend effortlessly at any size

Manage card spend with flexible limits
Tailor permissions to each team member
Lock cards to specific merchants
Easily spot duplicate subscriptions
Implement reimbursement policies in minutes (coming soon)

Close the books quickly and accurately

Explore Accounting Automations

Sync all your expenses to QuickBooks, NetSuite, or Xero
Create rules to code card transactions
See all your bills, cards, and bank transactions in one place
Send automated receipt nudges and easily review transactions

Your gateway to a longer runway

Accelerate your growth with Mercury Treasury and financing options integrated directly with your account.

A circle chart illustrating portfolio ratios between Vanguard and Morgan Stanley in the Treasury product

Earn up to 4.85% yield on your idle cash with portfolios powered by Vanguard and Morgan Stanley

Start Earning with Treasury

A bar chart illustrating a sample account’s Venture Debt balance.

Fuel your growth with startup-friendly Venture Debt

Grow with Venture Debt

Image of a signature on a post-money SAFE

Speed up your fundraise with free SAFEs

Create a SAFE

Tap into industry expertise

Get the network and knowledge you need to navigate the obstacles of company building.

Connect with investors, founders, and experts via our startup success platform

Explore Mercury Raise

I immediately felt welcomed into the founder community. I’ve connected with and exchanged advice with other founders and learned about achieving PMF from AMAs. I highly recommend it.

Charles Meyer

Founder, My Better AI