MERCURY

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Powerful banking.
Simplified finances.

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

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Let banking power your financial operations

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

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Figure A, MercuryFigure AMercury01Banking02Treasury 03Cards and expense management 04Bill pay 05Invoicing 06Accounting automations 07Startup-friendly capital

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

Send and receive payments seamlessly

Set auto-transfer rules and send free USD wires.

Checking & Savings

Unlock credit cards earlier with industry-low deposit minimums  1

Unlimited 1.5% cashback 2  on all spend.

Explore Cards

Bank with complete confidence

Strong, industry-standard protocols keep your data safe and confidential.

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

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 Treasury4 and financing options integrated directly with your account.

Earn up to 4.65% yield 4 on your idle cash with portfolios powered by Vanguard and Morgan Stanley

Start Earning with Treasury

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

Building trust as a finance leader

Read the Story

Carolynn Levy, inventor of the SAFE

Read the Story

Sending international wires through SWIFT

Read the Story

Pricing that scales with you

Access powerful banking for free, and advanced financial workflows starting at $35/mo.

Mercury

$0

/ &nbsp Month

Powerful business banking and finance essentials.

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Business banking

  • FDIC-insured bank accounts3
  • Online ACH, wires, & checks
  • Corporate debit & credit cards
  • Up to 4.65% yield4 ($500K minimum balance)
  • FDIC-insured bank accounts3

Bill pay

  • Unlimited bill payments

Invoicing

  • Unlimited invoice generation

Reimbursements

  • Reimburse up to 5 users/month

Closing the books

Xero

QuickBooks

Xero

QuickBooks

Mercury Plus

$35

/ &nbsp Month

Everything Mercury offers, with more reimbursements and invoicing power.

Get Started

Business banking

  • FDIC-insured bank accounts3
  • Online ACH, wires, & checks
  • Corporate debit & credit cards
  • Up to 4.65% yield4 ($500K minimum balance)
  • FDIC-insured bank accounts3

Bill pay

  • Unlimited bill payments

Invoicing

  • Unlimited invoice generation
  • Recurring invoicing
  • Branded invoices

Reimbursements

  • Reimburse up to 20 users/month
  • + $5/additional active user

Closing the books

Xero

QuickBooks

Xero

QuickBooks

Mercury Pro

$35

/ &nbsp Month

Everything Mercury offers, with more reimbursements and invoicing power.

Get Started

Business banking

  • FDIC-insured bank accounts3
  • Online ACH, wires, & checks
  • Corporate debit & credit cards
  • Up to 4.65% yield4 ($500K minimum balance)
  • FDIC-insured bank accounts3

Bill pay

  • Unlimited bill payments

Invoicing

  • Unlimited invoice generation
  • Recurring invoicing
  • Branded invoices

Reimbursements

  • Reimburse up to 20 users/month
  • + $5/additional active user

Closing the books

Xero

QuickBooks

NetSuite

Xero

QuickBooks

NetSuite

Tap into expertise

  • Relationship manager
  •           Also guaranteed at $10M+ balance
Compare all features

Mercury enables over 200K startups of all sizes to operate at their highest level.

Open Account

Disclaimers and footnotes

Mercury is a fintech company, not an FDIC-insured bank. Banking services provided by Choice Financial Group, Column N.A., and Evolve Bank & Trust, Members FDIC. Deposit insurance covers the failure of an insured bank.

  1. You must have an account with Mercury and meet deposit minimums to become eligible for IO.

  2. The IO Card is issued by Patriot Bank, Member FDIC, pursuant to a license from Mastercard. To receive cash back, your Mercury accounts must be open and in good standing, meaning they cannot be suspended, restricted, past due, or otherwise in default. Learn more about cashback.

  3. Mercury is a fintech company, not an FDIC-insured bank. Deposits in checking and savings accounts are held by our banking services partners, Choice Financial Group, Column N.A., and Evolve Bank & Trust; Members FDIC. Deposit insurance covers the failure of an insured bank. Checking and savings account deposits may be held by sweep network banks. Certain conditions must be satisfied for pass-through insurance to apply. Learn more here.

  4. Mercury Treasury, by Mercury Advisory, LLC, an SEC-registered investment adviser, seeks to earn net returns up to 4.65% annually on your idle cash. Net yield numbers as of 11/25/2024, and assumes total Mercury deposits of $20M+.

Treasury accounts are advised by Mercury Advisory LLC, an SEC-registered investment adviser (“Mercury Advisory”), and are custodied by Apex Clearing Corporation, a registered broker dealer and member FINRA / SIPC. Treasury accounts are not FDIC insured. For additional information about advisory services provided by Mercury Advisory, please refer to its ADV Wrap Fee B#rochure.

The performance discussed herein is historic and reflects an investment for a limited period of time. It should not be assumed that future investors would experience returns, if any, comparable to those illustrated herein. Past performance is not indicative of future returns. Investment results will fluctuate. Returns are not guaranteed. All investments are subject to the risk of loss, including the loss of principal. No representation is being made that an investment account has, will, or is likely to achieve profits or losses equal to the profits or losses shown. Actual returns will vary greatly and depend on personal and market conditions. Before investing, consider your financial goals and the costs of using the program.



Furthermore, the information set forth has been obtained from sources that the Firm believes to be reliable; however, these sources cannot be guaranteed as to their accuracy or completeness. The information contained herein is not, and should not be construed as, an offer to sell or the solicitation of an offer to buy any securities. The information has been prepared solely for the purpose of determining your level of interest in Mercury Treasury and to provide general background information on such algorithmic investment program.



This information contains certain “forward-looking statements,” which may be identified by the use of such words as “believe,” “expect,” “anticipate,” “should,” “planned,” “estimated,” “potential” and other similar terms.



Examples of forward-looking statements include, but are not limited to, estimates with respect to financial condition, results of operations, and success or lack of success of the depicted investment strategy. All are subject to various factors, including, but not limited to general and local economic conditions, changing levels of competition within certain industries and markets, changes in interest rates, changes in legislation or regulation, and other economic, competitive, governmental, regulatory and technological factors affecting operations that could cause actual results to differ materially from projected results.



Targeted returns (e.g., forward-looking statements of performance up to a stated return) reflects the returns that the Firm is seeking to achieve over a particular period of time. Projected returns reflect the Firm’s performance estimate – i.e., the returns that the Firm believes can be achieved using the advertised investment services. Target returns are presented to inform clients or potential clients about the Firm’s risk tolerances when managing the Mercury Treasury strategy and to provide information useful to a client or potential client when assessing how the Firm’s strategy fits within the investor’s overall portfolio. Target returns are not guarantees or promises of future return.



Mercury Treasury is not insured by the FDIC. Mercury Treasury are not deposits or other obligations of Choice Financial Group, Column N.A., or Evolve Bank & Trust, and are not guaranteed by Choice Financial Group, Column N.A., or Evolve Bank & Trust. Mercury Treasury products are subject to investment risks, including possible loss of the principal invested.