Digital banking for startups and small businesses.
Free business checking and savings with no fees or minimums
Corporate credit cards with 1.5% unlimited cashback — no credit check
Treasury management earns up to 3.67% APY on idle cash
Built-in expense management with virtual cards and spend controls
Developer-friendly API for automating financial workflows
Source: Mercury·Verified March 2026
Mercury banking receives Stripe payouts directly. API integration enables payment/banking reconciliation.
One-way sync from Mercury to QBO. Assigns GL codes from Mercury dashboard, auto-creates QBO records.
Mercury for Slack — payment approvals, approve/decline from Slack, /balance command for account balances.
This tool does not currently include AI features.
We update tool profiles regularly. Check back for changes or explore our AI Tools category for AI-powered alternatives.
Mercury is a great fit if you run a startup or small business and want a free business bank account with no monthly fees or minimums. You get solid perks like 1.5% cashback on corporate cards and up to 3.67% APY on savings, which most traditional banks can't match. The main downside is that Mercury is not FDIC-insured directly — it works through partner banks — so if you need in-person banking or cash deposits, you'll need to look elsewhere.
Video overviews of Mercury's banking dashboard, showing how to manage accounts, send payments, and use virtual cards.
Official Mercury blog with articles on startup finance, banking best practices, and how to get the most out of Mercury's features.
Official onboarding guide walking you through opening your Mercury account, verifying your business, and setting up your first transfers.
Official support documentation covering account opening, transfers, cards, and treasury features for Mercury business banking.
AI-generated training guides tailored to your team's size, skill level, and focus areas for Mercury — coming in v0.3.2.
View our roadmap →We're building a review system so business owners like you can share real experiences with Mercury.
Last researched: March 2026
