Complete business banking for LLCs

Simplify your finances with banking, cards, bill pay, and invoicing in one place. No deposit minimums or hidden fees.

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

A bank account that does more

Bank with confidence

20x the industry standard in FDIC insurance

Easily separate business finances

Apply in 10 minutes and enjoy no minimums or hidden fees

Save when you pay

Free ACH and wires in USD, plus payments in 40+ currencies for a 1% fee

Automate your accounting

Integrate with accounting software to track your money movements

Build credit while getting rewards

1.5% cashback on all credit card spend and low balance minimums

Prioritize profit

Use multiple accounts to split income and allocate funds

Run your finances from one dashboard

Powerful banking that feels extraordinary to use

  • Start spending with virtual cards as soon as you’re approved
  • Bank even when you’re on-the-go with a modern mobile app
  • Intuitive payment approval flows make it easier to stay on top of your cashflow

Access credit cards on day one for eligible customers

  • Earn 1.5% cashback on all spend
  • No personal guarantee or business credit history required
  • Create virtual cards for your team with precise permissions and spend controls

Seamless invoicing for you and your customers

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

Streamline bill payments and 1099 filing

  • Populate bill details automatically and detect duplicate payments and subscriptions
  • Set multi-layered approvals and approve payments instantly via Slack
  • Collect W-9s and file federal and state 1099-NEC and MISCs — no exports or third-party tools required

Why LLCs love Mercury

Banking with traditional banks is such a huge drain on time and energy. We didn’t want to get bogged down in paperwork and process, we just wanted to get to work. Setting up a Mercury account was a no-brainer.

Kelin Carolyn Zhang

Co-founder, Poetry Camera

As we’ve grown into a win-loss agency, Mercury has scaled right alongside us. It’s been a rare combination of simplicity at the start and sophistication as we’ve grown.

Drew Giovannoli

Founder, Buried Wins

Perks and tools for LLCs

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

How do I apply to open a business bank account for my LLC?

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.

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. As a broader effort, we are working on expanding all coverage even further.

What types of LLCs does Mercury support?

Mercury supports all types of LLCs — from SaaS, ecommerce, and agencies, to consultants, law firms, and real estate developers.

How can I add team members to my account?

You can add team members, including bookkeepers, to your Mercury account through the Team tab in your Settings page.