Banking for agencies, consultants, and firms

Streamlined banking that combines checking, savings, invoicing, and cards in one. Apply in 10 minutes or less.

Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

$0 monthly fees. $0 minimums. $0 USD wires. So your business can do more.

Bank with confidence

  • Up to 20x the industry standard in FDIC insurance with our partner banks and sweep networks
  • Automate your accounting
  • Integrate with accounting software to track your money movements
  • Save when you pay
  • Free ACH and USD wires, and just 1% on payments in 40+ currencies

Businesses like yours love Mercury

We love Mercury’s interface. Built-in permissions means our accountant can easily make payments — literally one click and it’s done.

Karen Halstead
Founder, Ways & Means

With Mercury, I can do almost anything in three steps or less, even create and send invoices directly from our account. For me, Mercury equals simplicity.

Pablo Beltran
Founder & Consultant, The Lab IT

One powerful, intuitive account

Access and automate your finances from anywhere

  • Seamlessly integrate with QuickBooks, Xero and NetSuite
  • Prioritize profit by using multiple accounts to split income and allocate funds
  • Monitor and move your money on the go with a modern mobile app

Invoice your customers the way you want

  • Generate polished invoices and payment reminders and easily send recurring invoices for monthly retainers
  • Get paid by credit card, Apple Pay, Google Pay, wire, ACH transfer, and ACH debit
  • Simplify reconciliation with automatically matched payments and invoices

Build business credit and get 1.5% cashback on all credit spend

  • Access corporate credit cards on day one for eligible customers
  • No personal guarantee or business credit history required
  • Create virtual cards for your team or certain merchants

Simplify contractor payments and 1099 filing

  • Manage all your bills with Mercury Bill Pay for seamless management and record-keeping
  • Collect W-9s and prefill forms with AI data extraction
  • File federal and state 1099-NEC and MISCs for 2025 tax season
  • Grant your bookkeeper or accountant special access

Modern banking has its perks

Perks

Our perks include deals for Slack, QuickBooks, Notion, Namecheap, and more.

Tools

Explore our suite of free tools like our invoice generator, profit margin calculator, and more.

Frequently asked questions

What is Mercury?

Mercury was founded with the idea of making banking better for startups. We spent our first five years creating a powerful bank account that made banking feel less like an obstacle and more like a catalyst. Now, we’re building software to run all your financial operations from that powerful bank account so your company can perform at its best — that means more precision, more control, and more focus. We call it “operational excellence.” We offer:

  • Checking and savings accounts with no monthly fees
  • The protection of up to $5M in FDIC insurance through our partner banks and their sweep networks
  • Debit and credit cards for your whole team
  • Reimbursements for out-of-pocket expenses
  • Wires, ACH, and check payments
  • Treasury management and venture debt options
  • Time-saving finance automations, including bill pay, invoicing, accounting automations, and expense reimbursements
  • Customizable permissions that keep you in control
  • The knowledge, network, and connections you need
  • An experience over 200K startups love

How do I apply to open a business bank account for my agency, consulting firm, or business?

You’ll need your company’s official formation documents, your IRS-issued EIN document (for U.S. entities only), and a picture of the government ID (e.g., a passport or U.S. driver’s license) for each founder or majority owner of your company. You'll also need to provide some information about your company and each company owner. 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. For more information on eligibility and required documents, please see the appropriate article.

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. 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.

Are my deposits FDIC-insured?

Mercury checking and savings deposits are FDIC-insured up to $5M through our partner banks and their use of sweep networks. You can learn more about FDIC insurance here.

What does it cost to use Mercury for businesses?

Mercury business banking is free to use. There are no account minimums, overdraft fees, monthly fees, or account opening fees. However, certain advanced features may incur fees.

What does it cost to use Mercury Invoicing?

Customers can create, send, track, and receive payments on as many invoices as they’d like in the free version of Mercury. Advanced financial workflows and invoicing capabilities are available as part of our paid plans.

What types of businesses can open a Mercury account?

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.