Don’t lose sleep over security

Leverage advanced features designed to protect what you’re building from the most sophisticated threats — so that you can scale with confidence.

Safeguarding your funds

FDIC & SIPC insurance

Thanks to our trusted partner banks and their sweep networks, your checking and savings accounts are FDIC-insured for up to $5M. Separately, your Treasury accounts are SIPC-insured for up to $500K.

Automated fraud monitoring

Our world-class fraud engineering and compliance teams work together to build tools and processes that spot suspicious activities and stop them in their tracks.

Regulated partners

Your deposits are held in your name in federally regulated checking and savings accounts facilitated by our banking partners.

Securing your data

SOC 2 compliance

Our security protocols and processes are topnotch — and we undergo rigorous independent auditing to maintain them.

Robust encryption

We use strong, industry-standard protocols to keep your data safe and confidential, at rest and in transit.

PCI standards

We understand how important your credit card information is and we uphold PCI compliance to ensure it stays safe.

Protecting your account

Uncompromising authentication

We enforce multi-factor authentication across all your accounts, never settling for insecure methods like SMS.

Cutting-edge technology

Log in seamlessly with best-in-class tools like Touch ID, Passkeys, and YubiKey — while the latest web standards systematically eliminate risks in the background.

Proactive protection

Our strategy includes using techniques like device verification to ward off phishers, and services like HIBP to keep leaked credentials from being reused.

Experience a new standard in banking security

Administrative access controls

Payment approvals

Receive-only AR accounts

Secure payment requests

Digital-first card privacy

Virtual cards with pre-set limits

When you have questions, we have answers

See full FAQ
Where are my funds kept?
Mercury works with two FDIC-insured banks, Choice Financial Group and Evolve Bank & Trust. You can locate your Mercury account’s banking provider by logging in and viewing the banking partner listed on your Mercury statements.Through each of our partner banks, Mercury customers get access to a sweep network of trusted banks. This sweep network provides up to $5M in FDIC insurance by automatically spreading your deposits across up to 20 different banks, without requiring you to open and manage separate bank accounts.Our Treasury* product is offered through an additional partner, Apex Clearing Corp, who is a FINRA-regulated broker-dealer. The mutual funds that you can invest in through Mercury Treasury are managed by Morgan Stanley and Vanguard.
Are my deposits FDIC-insured?
Mercury checking and savings deposits are FDIC-insured up to $5M through our partner banks and 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.
What is SOC 2?
SOC 2 is an intensive auditing procedure that an independent third party uses to evaluate Mercury’s security, confidentiality, and systems availability. This assessment covers everything from background checks on our personnel to evaluations of our system architecture.
Is Mercury SOC 2-compliant?
Mercury is SOC 2-compliant, meaning you can have confidence in our operations and service commitments — and peace of mind that we take pride in them. If you need our SOC 2 report for your own compliance records, reach out to us at [email protected] and we’d be glad to help.
I found a security issue with the site. Who should I talk to about this?
Please email [email protected].
What else do you do for security?
  • 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.

Open your account in 10 minutes or less

Scale smoothly and build to last on Mercury.

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* Mercury Treasury, by Mercury Advisory, LLC, an SEC-registered investment adviser, seeks to earn net returns up to 5.50% annually on your idle cash. Net yield numbers as of 12/04/2023, and assumes total Mercury deposits of $20M+.

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.
This information contains certain “forward-looking statements,” which may be identified by the use of such words as “believe,” “expect,” “anticipate,” “should,” “planned,” “estimated,” “potential” and other similar terms.

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


  1. 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.