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.

Banking built for AI and tech startups

Move faster with AI-native banking. Connect your agents, automate financial tasks, and get back to building.
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Product illustration of Mercury dashboard homepage.

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.

Loved by 450K+ founders. 1 in 3​​​​‌‍​‍​‍‌‍‌​‍‌‍‍‌‌‍‌‌‍‍‌‌‍‍​‍​‍​‍‍​‍​‍‌‍‌​‌‍​‌‌‌​‌‍‌‍​‌‍‌‌​​‍‍‌‍​‌‍‌‍‌​‍​‍​‍​​‍​‍‌‍‍​‌​‍‌‍‌‌‌‍‌‍​‍​‍​‍‍​‍​‍‌‍‍​‌‌​‌‌​‌​​‌​​‍‍​‍​‍‌‍‌‍‌‍‌‌‌‍‌​‍‌‌​​‌‍​‌‍​‌‌‌​‌‍‌‍‌‍‌​‍‌‍‌​‍‍‌‍​‌‌‍‌​‌‍‌‌‍‍‌‌‍‍​‍‍‌‍‌​‌‍​‌‌‌​‌‍‌‍​‌‍‌‌​​‍‍‌‍​‌‍‌‍‌​‍‌‍‌‌‌‍‌​‌‍‍‌‌‌​‌‍‌​‍​‍‌‍‍‌‌‌​‌‍‌‌‌‍‌‌‌‌‌​‌‍‌‌​​‌‍‌‌‌​​‍‌​​‌‌‌‍‌​​‌‍‌‌‍​‌‌​​‌​‍‌‍‌‌‌‌​‌‌‌‌​‌‌​​‌​‌‍‌‌‌​‌​​​​‍‌‍‍​​‍‌‌​‌‍‌​‍‌‌​‌‌‌‌​‍‌‍‍‌‌‌​‌‍‌‌‌‍‌‌​​‍‌​‍‌‌‍​​​​‌‌‌​‌‌‍‍‌‌‌‍​​‌‌‌‌​‍​‌‌‍‌​​‌‌​‌‍‌‍‍‌​‌‌‍‍‍‌‍​​‌‌‍​‌‍‌‌​‌​‍‌‍‌‌‌‍‌​‌‍‍‌‌‌​​‍​‌‍‌‍‌‍‍‌‌‍‌‌‌‍​‌‍‌​‌‌​​‌‍​‌‌‌​‌‍‍​​‌‌​‌‍‌‌‌‍​‌‌​‌‍‍‌‌‍‌‍‍‌​​‍‍​‌​‍‍‌‍‌‌‍‌‍‌​‌‌‌‌‍​‌‍‌‌​‍‍‌​‌‌​‌‍​‌‌‌​‌‍‍‌‌​‌‌​‌‍‍‌‌‍​‌​​‍‍​​‌​‍‍‌​‌‌​‌‍​‌‌‌​‌‍‍‌‌​‌‌​‌‍‍‌‌‍​​‍‍‌‌​‌‍‌‌‌‍​‌‌​​‍​‍‌‌ startups use Mercury.

Finances that work the way you do

Banking that moves at your speed

Apply through our fast online application, then get started with no required monthly fees or minimums. Instantly create virtual cards and get real-time insights into money movement, all from one intuitive dashboard.

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Mobile app Mercury UI

Put AI to work for your business

Command is an AI agent that takes financial work off your plate, built directly into your Mercury account. Simply say what you need and watch as Command gathers insights, categorizes transactions, prepares payments, manages auto-transfers, and more.

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Connect your finances to your AI tools

Give the AI tools and agents you already use access to your Mercury account via MCP, API, or CLI to analyze your real-time financial data, send payments, and categorize transactions. You decide what your agents are allowed to do, so you're always in control.

Mercury MCP

Stay in control of team and agent spend

Track expenses in real-time with intelligent budgets and built-in controls. Issue cards to employees, set custom limits, and create dedicated agent cards for AI-powered purchases.  

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Earn more from every dollar

Make the most of the capital you've raised with Mercury Treasury. Earn up to 4.08% yield on idle cash through lower-risk investment portfolios, with access to your funds as soon as the same day. Available with $250K or more in total Mercury balances.

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mercury treasury mobile view

Perks for AI and tech startups

Logos of perk tools

Startup founder perks

From payments to paperwork, save on the tools you need to run your business with credits for AWS, Slack, and more.

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AI perks

Get access to exclusive perks on leading AI and developer tools, curated to help your team build faster.

Unlike most financial institutions, Mercury is built on software. Everything can be done within the app in 1-2 minutes.

Karri Saarinen

Founder, Linear

Frequently asked questions

You’ll need your company’s official formation documents, your IRS-issued EIN document, and a government ID (e.g., a passport or U.S. government identification document – see all acceptable documents here) for at least one person with operating control of the business, as well as  any owner with at least 25% ownership of your company. You'll also need to provide some information about your company and its owner with operating control.If your EIN is still pending, you can apply with your completed Form SS-4. Once your account is approved, you'll have 90 days to send us your official EIN document.Customers must be formed and registered in the United States or a U.S. territory, have some type of existing or planned operations in the U.S., and have 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, P.O. box, or UPS box address. Once you apply, we’ll review to ensure formation documents are up-to-date and that your company otherwise satisfies our onboarding requirements.We cannot currently support accounts for businesses with founders or financial controllers living in the countries and regions listed hereOpens in new tab.For more information on eligibility and required documents, please see this articleOpens in new tab.

Mercury business banking has no minimum account balance requirements, overdraft fees, required monthly fees, or account opening fees. However, certain features may incur fees. These include: making mass payments on our API, accessing Mercury Treasury, making non-USD business debit or credit card transactions, exchanging money in non-USD currencies, and sending USD internationally with optional premium processing.Customers have the option to select a paid plan (starting at $35/month) for access to advanced payment workflows, including more invoicing features, our enriched NetSuite automations, and reimbursing out-of-pocket expenses for more than 5 active users per month. Learn more about pricing here. If your business doesn’t need access to these advanced financial workflows quite yet, don't worry. Our business checking and savings accounts are free for everyone. Anyone can send payments from their account without subscribing to a paid plan. When you're ready, you can upgrade to access the advanced features at the price point that makes sense for your company and volume of business.

Yes, we’re proud to support U.S. companies founded by people across the globe. Customers must be formed and registered in the United States or a U.S. territory, must have some type of existing or planned operations in the U.S., and have 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, P.O. box, or UPS box address.We cannot currently support accounts for business with founders or financial controllers living in the countries and regions listed hereOpens in new tab.We’d love to support residents of more countries over time, so let us know at hello@mercury.comOpens in new tab if you live in one of the above countries and we’ll let you know if anything changes.

Mercury Insights gives you real-time visibility into your cash flow, burn rate, and estimated runway, so you can see how much money is coming in, where it's going, and how long your current cash may last. You can also track expenses by category, identify spending trends, and use Mercury Treasury to earn yield on eligible idle cash.

Yes. Mercury lets you issue debit or credit cards to team members, set custom spending limits, and create intelligent budgets to manage expenses. You can also create dedicated agent cards for AI-powered purchases, with limits that agents can't increase themselves. Manage permissions and track company spend from one place.

Yes. Mercury brings banking, payments, spend management, and financial software together in one platform. As your startup grows, you can add team members, set permissions, automate financial workflows, and connect Mercury to your existing tools through integrations, APIs, MCP, and CLI. Eligible startups can also access products like Mercury Treasury and explore venture debt financing to support their next stage of growth.

Your checking and savings deposits are held in your name across a sweep networkOpens in new tab 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.

Yes. You can apply for a Mercury account while waiting for your Employer Identification Number (EIN). You'll need to provide proof that you've applied with a completed Form SS-4. Once your account is approved, you'll have 90 days to send us your official EIN document.

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Scale smoothly and build to last on Mercury.
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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.