84
Stack Score
Best for
US startups and small businesses that want modern banking, free wires, and AI-assisted transaction visibility.
At a glance
- Pricing
- free
- Setup time
- 15 minutes
- Learning curve
- easy
- Last verified
- 5/19/2026
What we love
- ✓No monthly fees and no minimum balance
- ✓AI assistant cuts down on manual transaction lookup
- ✓Strong startup-friendly UX and clean accounting exports
- ✓Generous free wire allowance saves real money
Where it falls short
- −Cash deposits not supported — fully digital
- −No physical branches for in-person service
- −Treasury yields fluctuate and require minimum balances
Pricing
✓ Pricing verified Jun 21, 20262 tiers
Free
$0
monthly
- ✓No account minimums or monthly fees
- ✓No overdraft or opening fees
- ✓Free business checking and savings
- ✓Send payments without subscription
Paid Plan
$35
monthly
- ✓Advanced payment workflows
- ✓Enhanced invoicing features
- ✓Enriched NetSuite automations
- ✓Out-of-pocket expense reimbursements
- ✓Support for 5+ active users
Why we picked it
Mercury is where most YC startups bank. AI features are newer but growing.
Overview
Online business banking for startups with AI-powered cash-flow forecasting. Strong API for embedded finance.
Key features
- ●FDIC-insured checking and savings up to $5M sweep
- ●Free domestic and international wires
- ●Mercury AI assistant — natural language transaction queries
- ●Virtual cards with per-vendor controls
- ●Bill pay with approval workflows
- ●Treasury accounts earning ~5% yield
- ●Native QuickBooks, Xero, and NetSuite sync
Best use cases
Startup banking
Open accounts in minutes, link Stripe and bookkeeping, run AP without leaving the app.
International wires
Send free wires to vendors and contractors in dozens of countries.
Treasury management
Park idle cash in Treasury accounts earning market yield without leaving Mercury.
Integrations
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