MERCURY

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Maximize your money.
Minimize your risk.

Earn up to 4.65% yield1 with high-liquidity, lower-risk portfolios powered by Vanguard and Morgan Stanley. Exclusively for Mercury account holders.

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Strategic cash management
made simple

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Effortlessly earn up to 4.65%1

Qualify for Mercury Treasury with a minimum balance of $500K across your Mercury accounts.

Secure your runway

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

Automate your cash management

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

Keep your capital close by

Get the flexibility you need with highly-liquid investments right in your Mercury account.

Growth for the long term, flexibility in the short term

Customize your portfolio allocation across two top-tier funds

The Vanguard Treasury Money Market Fund is 99.5% invested in U.S. government-backed securities

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

Set your finances on auto-pilot

Mercury has made the process of transferring funds between a high-yield Treasury account and a checking account remarkably seamless, ensuring we make the most of every dollar.

Amaro Luna2

Co-founder, Telegraph

Unlock high yields without locking up your money

Unlike other high-yield investments, your money is always within reach with Mercury Treasury. You can easily transfer funds to your checking account within 1–3 business days.

Earn up to 4.64% yield.1
No surprise fees.

Total Mercury deposits

Yield1 (net of fees) up to

> $20M

4.64%

$10–$20M

4.55%

$5–$10M

4.45%

$2–$5M

4.35%

$500K–$2M

4.20%

< $500K

Not eligible for Mercury Treasury

There are no fees to open an account or transact with Mercury Treasury. You’ll be charged a small percentage of your total monthly Mercury Treasury positions at a rate determined by the total deposits held across all your Mercury accounts, ranging from 0.15% to 0.60%. All yield figures are net of fees.

Take your portfolio to the next level

Get access to personalized portfolio management with Mercury Treasury Solutions by Morgan Stanley

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  • Qualify with a $25M balance across Mercury accounts
  • Maximize yield through a wide range of short-term securities
  • Get white-glove service from Morgan Stanley’s experienced portfolio management team

Access an entire financial platform powered by the bank account

Checking and savings accounts

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

IO credit card

Confidently scale your team with the IO Mastercard. Earn 1.5% cashback6 with startup-friendly credit limits.

Venture debt

Fuel your growth with startup-friendly Venture Debt.

Venture Debt

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

Mercury Raise

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

Startup perks

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

FAQs

You’ll need a U.S. company with a federal EIN, your company’s official formation documents, and a picture of your government ID (e.g., a passport or U.S. driver’s license).
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. Our customer base includes startups and ecommerce companies, as well as venture capital firms with entities in the Cayman Islands, British Virgin Islands, and United Arab Emirates. Upon applying, we’ll review to ensure you have up-to-date formation documents and otherwise satisfy our onboarding requirements.
We cannot currently support accounts for businesses with founders or financial controllers living in the countries and regions listed here.
Mercury checking and savings deposits are FDIC-insured up to $5M3 through our partner banks and use of sweep networks. As a broader effort, we are working on expanding all coverage even further. You can learn more about FDIC insurance here.
Mercury works with two FDIC-insured banks, Choice Financial Group 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 by automatically spreading your deposits across up to 20 different banks, without requiring you to open and manage separate bank accounts.
Our Treasury* product is offered through an additional partner, Apex Clearing Corp, who is a FINRA-regulated broker-dealer. The mutual funds that you can invest in through Mercury Treasury are managed by Morgan Stanley and Vanguard.
Yes, we’re proud to support U.S. companies founded by people across the globe, as well as founders and venture capital firms with an entity based in the Cayman Islands, British Virgin Islands, and United Arab Emirates. 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.
We cannot currently support accounts for business with founders or financial controllers living in the countries and regions listed here.
We’d love to support residents of more countries over time, so let us know at hello@mercury.com if you live in one of the above countries and we’ll let you know if anything changes.
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. These include: making mass payments on our API, accessing Mercury Treasury account management, making non-USD business debit or credit card transactions, exchanging money in non-USD currencies, and sending USD internationally with optional premium processing.
Customers have the option to select a paid plan (starting at $35/month) for access to these advanced payment workflows, including more invoicing features, our enriched NetSuite automations, and reimbursing out-of-pocket expenses for more than 5 active users per month. Learn more about pricing here. 
If your business doesn’t need access to these advanced financial workflows quite yet, don’t worry. Our business checking and savings bank accounts are free for everyone. Anyone can send payments from their Mercury account without subscribing to a paid plan. When you’re ready, you can upgrade to access the advanced features at the price point that makes sense for your company and volume of business.

Realize your capital’s full potential

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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.