Digital

Mercury Business Checking

by Mercury

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.

⭐ 4.5/5.0 (2,500 reviews)20+ integrations
Open Account →FDIC Insured
Monthly FeeFree
Free Transactions5,000/mo
Min. Opening DepositNone

Transfer Fees

Domestic Wire$5
International Wire$20
ACH TransferFree

Features

✓Mobile App
✓Mobile Deposit
✗Cash Deposits
✗Physical Branches
✓ACH Transfers
✓International Wires
✓Accounting Integrations
✓Sub-Accounts
✗Invoicing
✓Debit Card
✓Check Writing

Overview

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.

Why we like it

No-fee banking with excellent developer tools, team management features, and startup-friendly perks like Treasury and venture debt connections.

Who Is This For?

Startups and tech companies

Standout Features

  • API Access
  • Team Roles
  • Mercury Treasury
  • Automated Bookkeeping

Pros and Tradeoffs

Pros

  • No monthly fees
  • Excellent integrations
  • Team permissions and sub-accounts
  • Modern UI and API access
  • FDIC insured up to $5M via partner banks

Tradeoffs

  • No physical branches
  • No cash deposits
  • Limited international support for non-USD

Ratings

NerdWallet4.5/5.0
Total Reviews2,500

Key Integrations

QuickBooksXeroStripeGustoShopify

+ 15 more integrations available

Similar Banks