Business banking for building great things

Go beyond traditional banking with free checking and savings accounts, virtual cards, and more. 1

Everything you need for smooth banking

Explore demo

  • Free checking & savings accounts 1
  • FDIC-insured through our partner banks and their sweep networks
  • Corporate cards 2
  • Virtual and physical debit & credit cards
  • Free wires
  • Free domestic and international USD wires
  • Transparent pricing
  • No hidden or monthly fees
  • Seamless payments
  • Make scheduled & recurring payments via ACH, wire, or check
  • Custom approvals
  • User-level permissions and controls

Get back to building with streamlined banking and financial operations

  • Fast online application and onboarding
  • Start spending immediately with virtual cards
  • Complete any banking task in just a few clicks
  • Bank on-the-go with an intuitive mobile app

Set your finances on auto-pilot

  • Create auto-transfer rules between your accounts
  • Approve payments instantly via Slack
  • Close the books quickly and accurately with Xero and QuickBooks integrations
  • Automate payroll with easy wire drawdowns

Control spend effortlessly with advanced rules

  • Create user-level permissions so that employees and bookkeepers only access the accounts they need
  • Set approval rules for large purchases and specify who can make payments without approval
  • Manage team spend with customizable & flexible card limits

Send and receive money seamlessly

Secure and straightforward transfers

Set up one-time or recurring ACH and wire transfers to move money in or out of your account.

Pay bills in seconds

Simplify your payments process with our drag-and-drop bill pay.

Access an entire financial platform powered by your Mercury account

IO credit card 4

Confidently scale your team with the IO Mastercard. Earn 1.5% cashback 5 with startup-friendly credit limits.

Treasury 6

Earn yield on idle cash right alongside your operating accounts.

Venture Debt

Supercharge your growth and extend your runway with Mercury Venture Debt.

Bill pay

Streamline your bill payments by powering them directly from your bank account.

Invoicing

Send invoices, track what you’re owed, and get paid the way you want — all from where you manage your banking.

Startup perks

Get discounts on hundreds of popular tools, including AWS and Google Cloud.

Transparent pricing

  • Free checking and savings accounts
  • Zero monthly fees or overdraft fees
  • Free ACH transfers
  • Free domestic and USD international wires
  • 1% currency exchange fee for non-USD international wires
  • 1.5% cashback 5 on all credit spend

Frequently asked questions

What do I need to apply for an account?

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.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.

Where are my funds kept and how are my deposits FDIC-insured?

Mercury works with three FDIC-insured banks, Choice Financial Group, Column N.A., and Evolve Bank & Trust. You can locate your Mercury account’s banking provider by logging in and viewing the banking partner listed on your Mercury statements. Through each of our partner banks, Mercury customers get access to a sweep network of trusted banks. This sweep network provides up to $5M in FDIC insurance 3 by automatically spreading your deposits across up to 20 different banks, without requiring you to open and manage separate bank accounts.

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. Learn more about pricing here.

Open your account in 10 minutes or less

Build at your best with business banking that transforms how you operate.