Switching to a modern bank should be easier than you think
Streamline checking, savings and cards — plus automations like fee dispute drafts, vendor payment rules, and revenue alerts handled by your AI finance agent.
Banking services provided by partner banks; cards issued by network partners.
Balance
$12,582,210.27
- Send
- Transfer
- Request
- Deposit
- Pay bill
- Create invoice
1.5% cashback
on credit card spend
No in‑person visit, just four easy steps
Agentic workflows guide every step and validate documents automatically.
Apply online in 10 minutes
Use EIN and personal ID. No branches, no appointments.
Transfer funds
ACH, wires or Stripe. Your agent reconciles deposits in real time.
Set up financial ops
Add users, issue cards, set limits, reimburse; sync accounting.
Automate payments
Payroll, vendors, and rules like "auto-transfer taxes monthly".
Finance ops your team will actually use
Add users, issue virtual/physical cards, set granular spend controls, reimburse with one click and sync with your accounting stack. Your AI finance agent keeps an eye on anomalies and drafts vendor messages for you.
- Auto-transfer rules for payroll & taxes
- Vendor payment intents with approval workflows
- Receipt OCR, matching & memo suggestions
- Real-time alerts: large wire, failed ACH, budget overrun
Suggested rule
When vendor = "Stripe" and amount > $5,000 then request approval from CFO.
This month’s cashback
$3,482
Pending reimbursements
12
There’s us. Then there’s others.
| Feature | Mercury | Legacy banks |
|---|---|---|
| Business checking & savings | ||
| Fast, online application | — | |
| Monthly service fees / overdrafts / minimums | $0 | $5–$35 |
| FDIC insurance (sweep) | Up to $5M | $250K |
| Same‑day ACH & domestic USD wires | — | |
| Business credit cards | 1.5% uncapped cashback | 1%–5% on select categories |
| Annual card fee | $0 | Varies |
| Credit checks / personal guarantees | None | Sometimes required |
| Treasury & cash management | Limited | |
| Built‑in bill pay, reimbursements, invoicing | Limited |
Estimate your annual savings
Adjust monthly activity and see how much you could save on fees.
Estimated annual savings*
$2,004
Legacy bank fees
$167/mo.
Mercury fees
$0/mo.
*Illustrative estimate for demo. Not financial advice.
Why 200k+ businesses love the experience
“We tried other fintechs — serious glitches and shaky answers. The agentic workflows here finally made finance ops painless.”
Frequently asked questions
Banking should do more
Say goodbye to bad design and hidden fees. Let an agent handle the busywork.