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.

Apply online in 10 minutes
All you need is your EIN and personal ID — no need to visit a physical branch or office.

Transfer funds into your new account
Use ACH, wires, Stripe, or another bank account to move money fast and securely.

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

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 |
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 | |
Limited | ||
Built-in expense management, bill pay, and invoicing software | Limited | |
Accounting software integrations | Limited | |
Exclusive partner and software perks |
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, unlimited 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