MercuryMercury for Startups
Business banking built for US startups, with no monthly fees or minimums
About this program
Mercury is the default business-banking choice for most US startups that incorporate through Stripe Atlas, Clerky, or a similar path. The core product is a no-fee business checking account paired with savings and a corporate card. For teams that raise venture capital, Mercury extends into working capital loans, venture debt, a treasury product, and an investor database that surfaces warm intros from the Mercury customer network.
Most founders open a Mercury account within the first few weeks of incorporation. The application is fully online, approvals are quick, and the dashboard is designed for founders and operators rather than traditional bank customers. If you do not yet have a US entity, you will need to incorporate one before applying.
What you get
- Free business banking for US startups
- Offer type: Software Access
Eligibility
Any US-registered business entity, typically an LLC or C-corp, with verifiable founders and standard KYC documentation. Pre-revenue companies can open an account.
- Stage
- Idea, Pre-seed, Seed, Series A+
- Region
- United States
- Incorporation required
- Yes
How to apply
- Go to mercury.com and click Open account.
- Provide your company EIN, formation documents, and ownership information for each beneficial owner.
- Mercury typically reviews applications within one to three business days.
- After approval, fund the account via ACH or wire and issue physical or virtual cards from the dashboard.
Frequently asked questions
Do I need revenue to open a Mercury account?
No. Pre-revenue startups are supported. You will still need to complete standard know-your-customer verification for the business entity and each beneficial owner.
Is Mercury a bank?
Mercury is a financial technology company. Banking services are provided by its FDIC-insured partner banks. Your funds are held at those partner banks and FDIC coverage applies through them.
Do I have to be incorporated in the US?
Yes. Mercury supports US business entities such as C-corps and LLCs. International founders typically incorporate a US entity first through Stripe Atlas or Clerky before applying.
What is Mercury Venture Debt?
Mercury Venture Debt is a separate product offered to venture-backed startups for non-dilutive capital. It has its own application and eligibility, and it is not part of the standard Mercury account.
You'll be redirected to Mercury to apply. FounderDeals never handles applications.
