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.

Switch once. Get everything you need.

Banking, cards, expense management, payments, invoicing, and accounting in one place.
Replace fragmented financial tools
Get dedicated onboarding support
Transition without disrupting operations
Scale on a platform built for the long term
Talk to our team

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We’ve used traditional banks, but they were painfully outdated.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 fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

For everything you do with money.

Business banking

Open checking and savings accounts with no minimums.

Cards & expense management

Issue cards, set controls, and manage spend in one place.

Payments

Send money and pay bills with no fees on USD payments.

Invoicing

Create and send branded invoices with no standalone AR tool.

Accounting automations

Sync with Quickbooks, Xero, or NetSuite* to keep your books clean.

Mercury Treasury

Put idle cash to work with Treasury options yielding up to 3.65%.*

Migrate with structure, not disruption.

Mercury bill pay interface showing a credit card balance and autopay settings

Adopt processes on your timeline

Start with the financial tasks that matter most — operating accounts, cards, bill pay, or invoicing — and migrate others as you’re ready.
Abstract representation of a chat support bubble

Get guided support

Work with our implementation team to map your setup, move funds, and ensure nothing is overlooked during the switch.
Mercury accounts page showing linked external bank accounts from Wells Fargo and Chase

Run accounts in parallel

Keep your existing bank active while you transition payments and deposits to Mercury, minimizing operational risk.
Abstract visual of six circles meeting in the center of the image with a "sync" button in the middle

Maintain clean accounting

Ensure your books stay complete, accurate, and reconciled with a reliable accounting sync throughout the transition.

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 300K+ businesses love using Mercury

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

Andrew Leon Hanna

Founder, Mona

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 and Column N.A., both 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 and Column N.A., Members FDIC. Deposit insurance covers the failure of an insured bank.