Maximize your money and your liquidity.

Earn up to 3.65% yield 1 with lower-risk portfolios and same-day 2 access to your money. Exclusively for Mercury account holders.

Strategic cash management made simple

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Effortlessly earn up to 3.65% 1

Qualify for Mercury Treasury with a minimum balance of $250K across your Mercury accounts.

Access your capital any time

Get the flexibility you need with withdrawals as soon as same day. 2

Automate your cash management

Set custom auto-transfers between your operating and investment accounts.

Secure your runway

Your money is invested in lower-risk mutual funds held in your name.

Growth for the long term, flexibility in the short term

Customize your portfolio allocation across top-tier funds

• The J.P. Morgan U.S. Treasury Plus Money Market Fund invests in U.S. Treasury bills, notes, and other obligations issued or guaranteed by the U.S. Treasury

• The Morgan Stanley Ultra-Short Income Portfolio invests in commercial paper and certificates of deposit and carries the highest Fitch rating

• Personalized portfolio management services are available for customers with $25M in Mercury balances

Earn up to 3.65% yield. 1 No surprise fees.

Yield (net of fees) 4 up to:

Upgrade to personalized portfolios for a premium experience

Invest on a whole new level with Mercury Treasury Solutions by Morgan Stanley 5

• Qualify with a $25M balance across Mercury accounts

• Maximize yield through a wide range of short-term securities

• Get dedicated, white-glove service from Morgan Stanley’s experienced portfolio management team

Access an entire financial platform powered by your Mercury account

Checking and savings accounts 6

Secure up to $5M in FDIC insurance 6 through our partner banks and their sweep networks.

IO credit card

Confidently scale your team with the IO Mastercard. 7 Earn 1.5% cashback 8 with startup-friendly credit limits.

Venture debt

Fuel your growth with startup-friendly venture debt.

Financial workflows

Pay bills, control spend, and close your books quicker with banking and software in one place.

Startup perks

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

SAFEs

Easily create and manage SAFEs right inside Mercury, plus potentially save money on legal fees.

FAQs

Is my business eligible for Mercury Treasury?

Today, most businesses are eligible for Mercury Treasury if they meet three requirements:

1. They are a U.S. entity
2. They are physically located in one of the following countries: United States, United Kingdom, Canada, India, Singapore, Israel, Netherlands, Spain, Germany, Denmark, Australia, or Mexico
3. They meet the minimum balance requirement of $250,000 across all Mercury accounts

Unfortunately, we cannot support businesses that meet any of the following criteria at this time:

• LLCs taxed as sole proprietorships
• Nonprofits or other 501(c)(3) organizations
• Foreign financial institutions
• Banks organized under foreign laws and located outside of the United States
• Legal entity customers who are exempt from identifying and verifying beneficial owners
• Certain registered and exempt investment advisers
• Securities brokers or dealers
• Businesses with a beneficial owner that has a home address in certain restricted countries

What does Mercury Treasury cost?

• There are no fees to open an account or transact with Mercury Treasury.
• Users are charged a small percentage of their total monthly Mercury Treasury positions at a rate determined by the total deposits held across all your Mercury accounts, ranging from 0.15% to 0.6%.
• Yield and fee caps are represented as annualized numbers. Mercury Treasury, by Mercury Advisory, LLC, an SEC-registered investment adviser, seeks to earn net returns up to 3.65% annually on your idle cash for Mercury deposit sizes over $20M. Net yield numbers as of 04/10/2026.
• Mercury Treasury Solutions with Morgan Stanley has a separate fee structure. Please contact us to learn more about Mercury Treasury Solutions and associated fees.

Can I withdraw my funds immediately?

Yes, you can withdraw money from your Mercury Treasury account at any time — the time it takes to transfer out will vary depending on which fund the money is invested in.

Is my Mercury Treasury account held in my name?

Your Mercury Treasury account is held in your name at our partner, Apex Clearing Corp, a FINRA-regulated broker-dealer that has been in business for over 40 years. This means that every time a customer signs up for Mercury Treasury, we open an account in their name at Apex, which holds their funds in custody.

How are my funds in Treasury secured?

Funds invested via Mercury Treasury are protected in several ways:

• Your Mercury Treasury account is held in your name with our partner, Apex Clearing Corp. Apex Clearing Corp maintains a detailed record of each Treasury customer’s holdings and is prohibited from using any of these funds or securities for its own purposes, and from commingling them with its own customers’ holdings.
• Apex is regulated by the SEC and FINRA, and is regularly audited and must publish financial statements to the public. Apex is also required to keep excess capital on hand to ensure customer deposits are protected.

How is Mercury Treasury insured?

Mercury Treasury investments are held at Apex Clearing Corp, which is insured by the Securities Investor Protection Corporation (SIPC). In the unlikely event that Mercury’s brokerage firm fails, the SIPC will insure customers up to $500K in securities and cash.

Is there a minimum balance requirement for Mercury Treasury?

Mercury Treasury is currently available to users with account balances over $250,000 across all Mercury accounts. We hope to open Mercury Treasury to all users in the future.

Is there a minimum balance requirement for Mercury Treasury Solutions with Morgan Stanley?

Mercury Treasury Solutions with Morgan Stanley is currently available to Mercury account holders that have account balances exceeding $25M. Reach out to the provided email or contact your personal relationship manager for more details.

Disclaimers and footnotes

1. Mercury Treasury is designed to earn yield on idle cash up to 3.65% annually. This yield is based on the 30-day SEC Yield for MULSX as of 03/31/2026, and assumes total Mercury deposits of $20M+. Treasury accounts are subject to a monthly fee of 0.15%–0.60%, based on total Mercury balances.
2. Cutoff for transfers to settle same-day is 3pm ET each business day, subject to partner processing times. Read fund prospectus for additional information.
3. The provider of this testimonial was not compensated, and is a client of Mercury Advisory LLC.
4. Yield figures shown reflect the applicable Mercury Treasury fee (0.15%–0.60%), based on total Mercury deposits, and are derived from historical SEC yields.
5. Mercury Treasury Solutions is provided by Mercury Advisory, LLC for entity clients with $25M+ balances.
6. Mercury is a fintech company, not an FDIC-insured bank.
7. The IO Card is issued by Patriot Bank, N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated.