Mercury × Colaeb
Powerful banking. Simplified finances.
When you use Mercury, you earn $60 cash. Terms apply.
Rated 4.6 on Google Play · 4.9 on the Apple App Store · 4.9 on Capterra
Everything you need
Everything you need for smooth banking
Free checking & savings accounts
FDIC-insured through our partner banks and their sweep networks.
Corporate cards
Virtual and physical debit and credit cards.
Free wires
Free domestic and international USD wires.
Transparent pricing
No hidden or monthly fees.
Seamless payments
Send money via ACH, wire, real-time payment, or check.
AI built into your account
Hand off tasks to Command and get real-time financial insights.
Bank at your speed
Get back to building with streamlined banking and financial operations.
Automation & controls
Set your finances on auto-pilot
Control spend effortlessly with advanced rules
Earn $60 cash when you use Mercury.
Fast online application, free ACH and USD wires, and no monthly fees. Terms apply.
Peace of mind
Store your funds with complete confidence
Get up to $5M in FDIC insurance through Mercury's partner banks and their use of sweep networks.
Mercury works with two FDIC-insured banks, Choice Financial Group and Column N.A. The sweep network automatically spreads your deposits across up to 20 different banks, without requiring you to open and manage separate bank accounts.
Payments
Send and receive money seamlessly
Secure and straightforward transfers
Set up one-time or recurring ACH and wires to move money in or out of your account.
From invoice to paid in seconds
Forward or upload an invoice and built-in OCR auto-fills the details. Then pay however you like, even instantly with real-time payments.
Easy global payments
Pay global vendors in 40+ local currencies for a transparent 1% currency exchange fee, or send international wires in USD for free.
The full platform
Access an entire financial platform powered by your Mercury account
IO credit card
Confidently scale your team with the IO Mastercard. Earn 1.5% cashback with startup-friendly credit limits.
Treasury
Earn yield on idle cash right alongside your operating accounts.
Bill pay
Streamline your bill payments by powering them directly from your bank account.
Venture Debt
Supercharge your growth and extend your runway with Mercury Venture Debt.
Invoicing
Send invoices, track what you're owed, and get paid the way you want, all from where you manage your banking.
Startup perks
Get discounts on hundreds of popular tools, including AWS and Google Cloud.
Transparent pricing
No monthly fees. No surprises.
“The application process was easy and fast. It felt straightforward and nonsense-free. I didn’t feel that I had to be on the lookout for sneaky fees.”
Jake Stein
Co-founder & CEO, Common Paper
FAQ
Frequently asked questions
What do I need to apply for an account?
Your company's official formation documents, your IRS-issued EIN document, and a government ID for at least one person with operating control of the business, as well as any owner with at least 25% ownership. Companies must be formed and registered in the United States or a U.S. territory.
Where are my funds kept and how are deposits FDIC-insured?
Mercury works with two FDIC-insured banks, Choice Financial Group and Column N.A. Through each partner bank, customers get access to a sweep network that provides up to $5M in FDIC insurance by spreading deposits across up to 20 banks.
Can I apply if I'm not in the United States?
Yes. U.S. companies founded by people across the globe are supported. The company must be formed and registered in the U.S. or a U.S. territory, have existing or planned U.S. operations, and have a U.S. or international address for its principal place of business.
What does it cost?
There are no minimum balance requirements, overdraft fees, required monthly fees, or account opening fees. Certain features may incur fees, and optional paid plans start at $35/month for advanced payment workflows.
Is Mercury a bank?
Mercury is a financial technology company, not a bank. Banking services are provided by partner banks Choice Financial Group and Column N.A., Members FDIC. In April 2026, Mercury received conditional approval from the OCC to establish Mercury Bank, N.A.
Open your account in 10 minutes or less
Build at your best with business banking that transforms how you operate.
Open your Mercury accountMercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. $60 cash offer: terms apply.