Next-generation banking for SaaS companies
Spend less time on finances and more time shipping product.
Trusted by dynamic companies
Business banking that checks all the boxes
FDIC-insured checking & savings
Free international & domestic wires
Powerful team controls
Quick support when you need it
Features made for software companies
Flexible payment options
Send funds however you want, wherever you want
Pay employees and contractors your way. Schedule free USD wires, ACH payments, and checks on a one-time basis — or automate them at a cadence of your choosing.
Apply clever shortcuts to master banking busywork
Simplify your accounts payable process with drag-and-drop Bill Pay, auto-sync transactions directly to QuickBooks, and locate any line item using our robust search function.
Maximize your money with minimal effort
Make the most of your extra cash with Mercury Treasury to earn as much as 5.50%* annual yield. And if you just raised a fresh round, we offer venture debt, too.
Debit & credit cards
Issue 5 or 500 cards — and keep tabs on every single one
Set your team up with branded virtual and physical cards. Set yourself up with the custom levers to keep employee spending in check, all the way down to the merchant level.
Integrations & perks
Enhance your stack with best-in-class tools
Tee up handy integrations to sync Mercury with your favorite apps, including Xero, QuickBooks, and Zapier. Plus, get additional deals on platforms like AWS and Slack.
Innovation that doesn’t sacrifice security
Security you can count on
Authenticate securely with Touch ID while fraud monitoring and encryption measures keep attackers at bay.Learn More
Assign tiered user permissions and add admin screening for larger payments
Get help when you need it — a human touchpoint is never far from reach
Banking built for entrepreneurs, by entrepreneurs
Open an account with zero monthly fees.Learn more
- FDIC-insured checking & savings
- No monthly fees or overdraft fees
- Free domestic and international (USD) wires
- Free ACH transfers
- Flat 1% currency exchange fee
- 1.5% cashback on all credit spend
We thought you’d never askSee full FAQ
- Require HTTPS on all pages, and use HSTS to ensure browsers only ever connect to Mercury over a secure connection.
- Employ a third party to perform penetration testing each year to check for vulnerabilities.
- Hash and store all passwords with the bcrypt algorithm — never as plaintext.
- Use time-based one-time passwords for two-factor authentication. We never send authentication codes via insecure channels like SMS.
- Encrypt our database and all uploaded images, with additional encryption for sensitive data like social security numbers.
- Never store your debit or credit card numbers.
Mercury Treasury, by Mercury Advisory, LLC, an SEC-registered investment advisor. Registration with the SEC does not imply a certain level of skill or training. SEC registration does not mean the SEC has approved of the services of the investment adviser.
Mercury Advisory, LLC (the “Firm”) is an investment management firm that offers a wrap fee program that allows small businesses to invest idle cash in relatively low-risk, short-term instruments. Please see the ADV Wrap Fee Brochure for further information regarding fees and conflicts.
The performance discussed herein is historic and reflects an investment for a limited period of time. It should not be assumed that future investors would experience returns, if any, comparable to those illustrated herein. Past performance is not indicative of future returns. Investment results will fluctuate. Returns are not guaranteed. All investments are subject to the risk of loss, including the loss of principal. No representation is being made that an investment account has, will, or is likely to achieve profits or losses equal to the profits or losses shown. Actual returns will vary greatly and depend on personal and market conditions. Before investing, consider your financial goals and the costs of using the program.
Furthermore, the information set forth has been obtained from sources that the Firm believes to be reliable; however, these sources cannot be guaranteed as to their accuracy or completeness. The information contained herein is not, and should not be construed as, an offer to sell or the solicitation of an offer to buy any securities. The information has been prepared solely for the purpose of determining your level of interest in Mercury Treasury and to provide general background information on such algorithmic investment program.
Examples of forward-looking statements include, but are not limited to, estimates with respect to financial condition, results of operations, and success or lack of success of the depicted investment strategy. All are subject to various factors, including, but not limited to general and local economic conditions, changing levels of competition within certain industries and markets, changes in interest rates, changes in legislation or regulation, and other economic, competitive, governmental, regulatory and technological factors affecting operations that could cause actual results to differ materially from projected results.
Targeted returns (e.g., forward-looking statements of performance up to a stated return) reflects the returns that the Firm is seeking to achieve over a particular period of time. Projected returns reflect the Firm’s performance estimate – i.e., the returns that the Firm believes can be achieved using the advertised investment services. Target returns are presented to inform clients or potential clients about the Firm’s risk tolerances when managing the Mercury Treasury strategy and to provide information useful to a client or potential client when assessing how the Firm’s strategy fits within the investor’s overall portfolio. Target returns are not guarantees or promises of future return.
Mercury Treasury is not insured by the FDIC. Mercury Treasury are not deposits or other obligations of Choice Financial Group or Evolve Bank & Trust, and are not guaranteed by Choice Financial Group or Evolve Bank & Trust. Mercury Treasury products are subject to investment risks, including possible loss of the principal invested.
The Mercury Debit Cards are issued by Choice Financial Group and Evolve Bank & Trust, Members FDIC, pursuant to licenses from MasterCard. The IO Card is issued by Patriot Bank, Member FDIC, pursuant to a license from MasterCard.