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.

Switching to Mercury is easier than you think

Apply in minutes to streamline your checking, savings, and cards all in one place.
No hidden fees, minimums
Free wires in USD
1.5% back on credit spend
One intuitive dashboard
We've used traditional banks1, but they were painfully outdated. We've tried other fintechs, but they had serious glitches and shaky answers. That's why we're with Mercury — and why we're here to stay.

Peer Richelsen

Co-founder and Chairman, Cal.com

Mercury mobile dashboard paired with virtual IO card and a drop down of send money options.

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

No in-person visit, just four easy steps.

EIN document pictograph and a user profile icon with a green checkmark

Apply online in 10 minutes

All you need is your EIN and personal ID — no need to visit a physical branch or office.

ACH deposit connected to mobile UI dashboard graph. Graph shows a positive change from the deposit

Transfer funds into your new account

Use ACH, wires, Stripe, or another bank account to move money fast and securely.

Active IO card surrounded by virtual cards with different nicknames for their use cases.

Set up your financial ops

Add users, issue cards, then set up controls, bill pay, reimbursements, and sync your accounting software.

Account UI faded in the background with a hovering CTA to set up auto-transfer rules for Payroll

Update deposits and payment methods

Redirect payroll, Stripe, PayPal, and all your other vendor payments at your own pace.

There’s us. Then there’s others.

Mercury
Legacy banks
Business checking & savings
Fast, online application
Limited
Monthly service fees, overdraft fees, and minimum balance fees
$0
$5–$35
FDIC insurance
Up to $5M with partner banks’ sweep networks
$250K
Free same-day ACH, domestic wires, and USD international wires
Business credit cards
Uncapped 1.5% cashback on all credit card spend
1%–5% cashback on select purchases
No annual fees
Fees vary
No credit checks or personal guarantees
Some credit checks and personal guarantees
Treasury and cash management
Limited
Built-in expense management, bill pay, and invoicing software
Limited
Accounting software integrations
Limited
Exclusive partner and software perks

Why 200K+ businesses love using Mercury

Our Net Promoter Score (73) is more than double the industry average (30).
I’m so glad I made the switch to Mercury — sleek navigation, simple transfers without fees, quick note-taking to track expenses, and easy card distribution for your entire team.

Andrew Leon Hanna

Founder

Mona

SaaS

Virtual accounts, multiple accounts, accounts with custom names. An app that actually works. You’d think these things would be common sense, but only Mercury truly nails them.

Jimmy Hayes

Co-founder

Minaal

Ecommerce

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Frequently asked questions

Mercury is a financial technology company, not a bank. That means we build software to help startups and small businesses run all of their financial operations and partner with regulated banks to hold and safeguard your funds.Banking services on Mercury are provided by our partner banks: Choice Financial Group, Evolve Bank & Trust, and Column N.A., all of which are Members FDIC. When you open a Mercury account, your funds are held at one or more of these FDIC-insured banks.

Mercury supports many types of businesses — from  SaaS, ecommerce, agencies and consultants, and more. Whether you’re a solo entrepreneur, managing a growing team, or overseeing multiple businesses, Mercury is designed to grow with you.

Yes, security is a top priority at Mercury. Here are some measures we take to ensure your 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.
Learn more on our Security page.

Yes, you can use Mercury without closing your existing bank account. Mercury allows you to link external U.S. business or personal bank accounts via Plaid, so you can transfer funds between banks ACH and the Move Money flow.Learn more about linking external accounts.

Banking should do more

Say goodbye to bad design and hidden fees.
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Disclaimers and footnotes

Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group, Column N.A., and Evolve Bank & Trust, Members FDIC. Deposit insurance covers the failure of an insured bank.