Side-by-side comparison
Found Business Checking vs Mercury Business Checking comparison on Luminxo. Compare fees, features, and transaction limits to find the right business bank account.
Found · Business Checking
Found is a free business banking platform with built-in tax tools. It automatically sets aside money for estimated taxes, tracks expenses by category, and generates Schedule C reports.
Best for: Freelancers and sole proprietors
Mercury · Business Checking
Mercury is a fintech banking platform built for startups and tech companies. It offers free business checking with no minimums, robust API access, and seamless integrations with modern accounting and payroll tools.
Best for: Startups and tech companies
| Metric | Found Business Checking | Mercury Business Checking |
|---|---|---|
| Monthly Fee | Free | Free |
| Free Transactions | 5000/mo | 5000/mo |
| Min. Opening Deposit | $0 | $0 |
| FDIC Insured | Yes | Yes |
| Integrations | 5+ | 20+ |
| Rating | 4.0/5.0 | 4.5/5.0 |
| Feature | Found Business Checking | Mercury Business Checking |
|---|---|---|
| Mobile App | ✓ | ✓ |
| Mobile Deposit | ✓ | ✓ |
| Cash Deposits | ✗ | ✗ |
| Physical Branches | ✗ | ✗ |
| ACH Transfers | ✓ | ✓ |
| International Wires | ✗ | ✓ |
| Accounting Integrations | ✗ | ✓ |
| Sub-Accounts | ✓ | ✓ |
| Invoicing | ✓ | ✗ |
| Debit Card | ✓ | ✓ |
| Check Writing | ✗ | ✓ |
Only business bank that auto-saves for taxes and generates tax reports. Perfect for self-employed workers who dread tax season.
Best for: Freelancers and sole proprietors
No-fee banking with excellent developer tools, team management features, and startup-friendly perks like Treasury and venture debt connections.
Best for: Startups and tech companies
The biggest tradeoffs are monthly fees, free transactions, and the features included. This page compares those factors directly so you can choose the right fit for your business.
Found Business Checking has the lowest monthly fee in this comparison at free.
Mercury Business Checking has the most features in this comparison with 8 out of 11 tracked features.