Banking that shines at scale

Meet the all-in-one banking solution that grows with your company — from Series A, to IPO, and beyond.

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

Trusted by 100,000+ companies of every stage

The financial foundation for exponential growth

FDIC-insured checking & savings

Time-saving accounting features

Powerful team controls

1:1 relationship management

an exploded rendering of a Mercury dashboard

Features that propel your company onward and upward

A mouse clicking and dragging an invoice

Time-saving technology

Use built-in efficiencies to streamline your finances

Settle invoices with drag-and-drop bill pay, set auto-transfer rules to maintain a target balance, and auto-sync transactions to accounting tools like QuickBooks and Xero.

A customer support chat

1:1 relationship management

Get personalized support from seasoned experts

Consult with dedicated relationship managers who are experts in scaling startups — and will take the time to understand yours.

Mercury Treasury dashboard

Secure investing

Earn up to 5.38%* yield with Treasury

Park idle cash in lower-risk, highly liquid mutual funds — or for larger balances, build a custom portfolio with the help of our partners at Morgan Stanley.

Sending payroll

Advanced Payroll

Process your payroll on autopilot

Keep a dedicated account for payroll within a target range, and authorize your payroll provider to pay your team quickly and securely through wire drawdowns.

A key with the words 'security key added' beneath it

cutting-edge security

Sleep easier with security that raises the bar

Log in seamlessly with tools like Touch ID while fraud monitoring and encryption measures keep your funds and data secure behind the scenes.

Control across the enterprise

credit cards

Streamline company spend

Easily create employee cards with pre-set limits and issue them in bulk to your entire org with Google Workspace — all while earning 1.5% cashback.¹.

Discover IO
Picture of the IO card

Capital

Extend your startup runway with founder-friendly venture debt

Integrations & API

Connect your tools, from QuickBooks to Stripe

Transparent pricing

$0

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 spend¹

Answers to all of your questions

See full FAQ
What do I need to apply for an account?
You’ll need a U.S. company with a federal EIN, your company’s official formation documents, and a picture of your government ID (e.g., a passport or U.S. driver’s license).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 open accounts for founders operating in the following countries and regions: Afghanistan, Albania, Bosnia & Herzegovina, Botswana, Burundi, Cameroon, Central African Rep, Democratic Republic of the Congo, Congo, Croatia, Eritrea, Ethiopia, Haiti, Iraq, Kosovo, Lebanon, Libya, Macao, Mali, Mozambique, Myanmar (Burma), Nicaragua, Nigeria, Pakistan, Somalia, South Sudan, Sudan, Tanzania, Venezuela, Viet Nam, Western Sahara, Yemen, Zimbabwe, Belarus, Iran, North Korea, Cuba, Russia, Syrian Arab Republic, Ukraine (specifically, Kherson, Zaporizhzhia, Donetsk, Luhansk, and and Crimea).
What does it cost to use Mercury?
Mercury is free to use, however, certain advanced features may incur fees. These include: making mass payments on our API, accessing Mercury Treasury account management, exchanging money in non-USD currencies, and sending USD internationally with optional premium processing. There are no account minimums, overdraft fees, monthly fees, or account opening fees. Get more details on our Pricing page.
How does Mercury keep my money safe?
Your checking and savings deposits are held in your name across a sweep network of multiple regulated banks. Through this program, we’ve upgraded the FDIC insurance on Mercury checking and savings accounts to up to $5M — 20x the per bank limit.In addition to working with our banking partners to keep your funds secure, Mercury’s world-class fraud engineering and compliance teams work together to build tools and processes that spot suspicious activities and stop them in their tracks.
Can I apply for an account if I’m not physically in the United States or a United States resident?
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 open accounts for founders operating in the following countries and regions: Afghanistan, Albania, Bosnia & Herzegovina, Botswana, Burundi, Cameroon, Central African Rep, Democratic Republic of the Congo, Congo, Croatia, Eritrea, Ethiopia, Haiti, Iraq, Kosovo, Lebanon, Libya, Macao, Mali, Mozambique, Myanmar (Burma), Nicaragua, Nigeria, Pakistan, Somalia, South Sudan, Sudan, Tanzania, Venezuela, Viet Nam, Western Sahara, Yemen, Zimbabwe, Belarus, Iran, North Korea, Cuba, Russia, Syrian Arab Republic, Ukraine (specifically, Kherson, Zaporizhzhia, Donetsk, Luhansk, and and Crimea).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.
How do Mercury’s accounting integrations work?
Enable easy and accurate syncing between your Mercury accounts and accounting software, including QuickBooks and Xero. These integrations sync Mercury transactions directly to your accounting account, saving your team valuable time.
How does Mercury Treasury help automate my cash management?
A Mercury Treasury account can be a strategic addition to your cash management plan. You can access additional protection for your cash while earning a competitive yield* with lower-risk, higher-liquidity funds offered by Vanguard and Morgan Stanley. Choose a target operating account balance and set rules to transfer any funds over that amount to Mercury Treasury. This ensures you have what you need to run your business and are earning yield on the rest.
How does the Mercury’s corporate card help my team scale?
Start earning Mercury’s IO Mastercard², with 1.5% cashback¹ everywhere your business spends — from web hosting, to inventory, to afternoon coffees, and more. Easily invite your team and issue employee cards in bulk to your entire org with our Google Workspace integration. Powerful controls with zero difficulty — like customized spend limits to locking a card to a specific merchant — keeps you in charge. You can sync your Mercury IO transactions to accounting systems like QuickBooks and Xero.

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 5.38% annually on your idle cash. Net yield numbers as of 04/15/2024, 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.

Footnotes

  1. To receive cashback, your Mercury accounts must be open and in good standing, meaning they cannot be suspended, restricted, past due, or otherwise in default. Learn more about cashback.
  2. The IO Card is issued by Patriot Bank, Member FDIC, pursuant to a license from Mastercard.