No monthly fees
We switched to Mercury last year. No monthly fees — that alone justified it for us. No cash deposits, but it's a fair trade-off.
Lucas Moreau · Agency owner
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Mercury deals & promo codes
Get $500 Members
$500 bonus when you open an account
Click the button to activate the deal on the partner's site. If a code is shown, paste it at checkout.
Deposit $10,000 within 90 days of opening. TODO: confirm current referral terms.
What is Mercury?
Mercury offers business checking and savings, corporate cards, bill pay, invoicing and treasury — all with no monthly fees. It's built for startups, with venture debt and investor-database perks.
Who is Mercury best for?
Venture-backed and bootstrapped startups that want modern banking with no fees.
Our take
Mercury is free to use. Its biggest strengths are no monthly fees and beautiful, fast interface; the main trade-off is that no cash deposits. Check the deals on this page before you buy — UseThisForThat members often save on their first months or year.
Features
- No-fee business checking
- Corporate debit & credit cards
- Bill pay
- Invoicing
- Treasury (up to ~4% yield)
- Up to $5M FDIC insurance via sweep
Mercury pricing
Mercury
$0/mo
- Checking & savings
- Cards
- Bill pay
Plus
$35/mo
- Reimbursements
- Advanced invoicing
- Spend controls
Pro
$350/mo
- Higher treasury yield
- Dedicated support
- Advanced permissions
Prices as listed by Mercury; may change. Last reviewed Oct 10, 2026.
Pros & cons
Pros
- No monthly fees
- Beautiful, fast interface
- Great startup perks
Cons
- No cash deposits
- Not available for some industries
Frequently asked questions
User reviews
Rated4.8out of 5(121)Solid choice for small teams
Mercury does what it says. Beautiful, fast interface. Setup took an afternoon and the team adopted it right away.
Hannah Kim · Product Manager
Great, with a few caveats
Love Great startup perks. My only gripe: Not available for some industries. Grabbed the deal here and saved a nice chunk on year one.
Sam Patel · Solo founder