About Mercury
Mercury is the fintech bank beloved by startups, offering FDIC-insured business checking and savings accounts with no monthly fees, no minimum balance, and no surprise charges. In 2026 Mercury received conditional OCC approval to establish Mercury Bank, N.A. and raised a $200M Series D at a $5.2B valuation, and it now serves roughly 300,000 customers. Its dashboard integrates with Stripe, Shopify, QuickBooks, and Xero, and its API lets engineering teams build custom finance workflows. Mercury Treasury lets idle cash earn yield, Mercury Personal extends banking to founders, and the new Mercury Insights AI surfaces real-time views of company financial health.
What's Great
- ✓No monthly fees, no minimum balance, no transaction fees
- ✓FDIC insured up to $5M through partner banks
- ✓Excellent API for custom finance automation
- ✓Mercury Treasury earns yield on idle cash
- ✓Loved by startup accelerators and VCs
Watch Out For
- !Not a traditional bank — no physical branches
- !Cash deposits not supported
- !International wire fees apply
Common Use Cases
Open a business bank account in 10 minutes with no minimum deposit
Move idle cash to Mercury Treasury to earn yield automatically
Connect your bank directly to QuickBooks for automatic transaction sync
Pricing Model
Free
100% free to use — no credit card required.
Category
Business Banking
Modern business bank accounts built for startups and SMBs.
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