Accounting & Finance

Mercury

Business banking for startups — FDIC-insured checking and savings, treasury, and corporate cards with a modern UX.

Free
Pricing Tier
Easy
Learning Curve
1–5 days (account opening)
Implementation
small, medium
Best For
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Use when

US-based startups and small tech businesses wanting modern banking with APIs and multi-user controls.

Avoid when

Non-US businesses, cash-heavy retail (requires physical deposits), or companies needing traditional lending relationships.

What is Mercury?

Mercury is the de-facto business bank for venture-backed startups. Offerings include fee-free business checking, savings with competitive yields, treasury for idle cash, corporate credit cards, and bill pay. The UX is substantially better than legacy banks (SVB, Chase, Bank of America) with programmable APIs, modern reporting, and rich multi-user controls. Not a lender for most accounts and not available in every country, but a near-default choice for US-incorporated Delaware C-corps.

Key features

Fee-free business checking and savings
Treasury for idle cash yield
Corporate cards with rewards
Bill pay and invoicing
API access for programmable banking
Multi-user roles and approvals

Integrations

QuickBooksXeroNetSuiteStripeRamp
💰 Real-world pricing

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