Powerful banking. Simplified finances.

Apply in 10 minutes for online business banking that transforms how you operate.

Mercury is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Column N.A., and Evolve Bank & Trust®; Members FDIC.

Let banking power your financial operations

Your bank account should do more than hold your money. Now, it can.

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Speed without compromise

Efficiently manage your banking and financial operations from a single dashboard.

Complete any banking task in just a few clicks

An operator’s dream. Mercury combines the speed, simplicity, and smarts that I need to get back to running my business. Search for data or actions, all at your fingertips.

Lindsay Liu

CEO & co-founder, Super

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Send and receive payments seamlessly

Set auto-transfer rules and send free USD wires.

Checking & Savings

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Unlock credit cards earlier with industry-low deposit minimums

Unlimited 1.5% cashback on all spend.

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Bank with complete confidence

Bar graph showing the difference between the industry standard of 250K FDIC insurance, and Mercury's expanded FDIC insurance of 5M.

Get up to 20x the industry standard in FDIC insurance through our partner banks and sweep networks.

How Mercury Works

All your financial workflows. Zero complexity.

When your bank account powers your critical financial workflows, you’re already in the flow.

Handle all your bills with precision

Explore Bill Pay

Hold your money for longer by eliminating third-party processing
Harness AI to populate bill details for you
Set multi-layered approvals and approve payments instantly via Slack
Never overpay with duplicate bill detection

Seamless invoicing for you and your customers

Explore Invoicing

Generate polished invoices in minutes
Get paid by credit card, Apple Pay, Google Pay, wire, ACH transfer, and soon, ACH debit for eligible customers
Easily send recurring invoices and payment reminders
Simplify reconciliation with automatically matched payments and invoices

Control spend effortlessly at any size

Manage Expenses

Issue corporate cards and reimburse expenses
Tailor permissions to each team member
Lock cards to specific merchants
Easily spot duplicate subscriptions
Set company-wide spend policies in minutes

Close the books quickly and accurately

Explore Accounting Automations

Sync transactions to QuickBooks, NetSuite, or Xero
Create rules to code card transactions and expenses
See all your bills, cards, employee expenses, and incoming transactions in one place
Easily review transactions with in-line receipts and notes

Your gateway to a longer runway

Accelerate your growth with Mercury Treasury and financing options integrated directly with your account.

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Earn up to 4.65% yield on your idle cash with portfolios powered by Vanguard and Morgan Stanley

Start Earning with Treasury

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Fuel your growth with startup-friendly Venture Debt

Grow with Venture Debt

Speed up your fundraise with free SAFEs

Create a SAFE

Tap into industry expertise

Get the network and knowledge you need to navigate the obstacles of company building.

Connect with investors, founders, and experts via our startup success platform

Explore Mercury Raise

I immediately felt welcomed into the founder community. I’ve connected with and exchanged advice with other founders and learned about achieving PMF from AMAs. I highly recommend it.

Charles Meyer

Founder, My Better AI