Mercury
Online business banking for startups, small businesses and scaling companies
Mercury is a financial platform for businesses that brings banking, payments, and financial operations into a single account. It provides checking and savings accounts, credit and debit cards, payments, invoicing, bill pay, expense management, and accounting sync. Mercury is a fintech company rather than a bank; banking services are provided through Choice Financial Group and Column N.A., Members FDIC.
Core capabilities include virtual and physical cards with spend controls and approvals, AI-assisted bill pay and receipt matching, invoicing with flexible payment methods, and sync with QuickBooks, Xero, and NetSuite. Security features include multi-factor authentication, fraud monitoring, ACH authorization controls, tiered user permissions, and FDIC insurance through partner bank sweep networks. Mercury Treasury offers access to money market funds held at Apex Clearing Corp.
Mercury is aimed at entrepreneurs and businesses, with a free base plan covering banking essentials, plus Mercury Plus and Mercury Pro editions for advanced invoicing, tax filings, and NetSuite automations. Annual billing is available at a discount, and Mercury Personal is included with any business plan. Certain features such as non-USD transactions, mass payments, and Treasury management carry separate fees.
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