Mercury Startup Perks
Free startup banking built for founders — no monthly fees, FDIC-insured deposits, and integrated treasury for idle cash.
Quick answer
Mercury offers eligible startups up to Varies in perks and resources, with no equity required. No application is required, and it is open to startups worldwide (any stage).
Available programs
Free
Mercury for Startups
Free business banking for startups: checking + savings, FDIC-insured deposits up to $5M, no minimums.
- Free business checking & savings
- No monthly fees, no minimum balance
- FDIC-insured deposits up to $5M
- Built-in treasury for idle cash
- Wire transfers, ACH, virtual cards
Best for
Do you qualify for Mercury?
You likely qualify if
- US-incorporated company (e.g. Delaware C-Corp or LLC)
- Open to startups at any stage, including bootstrapped
- Opening a new Mercury business account
You won't qualify if
- You are not a US-incorporated entity
- You need a personal (non-business) bank account
Common rejection reasons
- Incomplete KYB / business verification documents
- Business type outside Mercury’s supported list
How to apply for Mercury
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1
Check eligibility
Be a US-incorporated entity (C-Corp, LLC, etc.).
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2
Prepare your details
Have your business details and EIN ready.
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3
Apply via Mercury
Open an account at mercury.com/startup.
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4
Start banking
Once approved, access free startup banking, cards, and the Mercury dashboard.
Stacks well with
Founders who claim Mercury commonly pair it with these to build a bigger credit stack.
Frequently asked questions
How much does Mercury give startups?
Mercury provides eligible startups with up to Varies in perks and resources across its programs.
Does Mercury take equity from startups?
No. Mercury's startup perks and credits are non-dilutive — you do not give up any equity to receive them.
Who qualifies for Mercury?
Eligible startups generally must meet criteria such as: Must be a US-incorporated entity (C-Corp, LLC, etc.); Application includes business details and EIN.
Is Mercury free for startups?
Applying is free. Mercury provides up to Varies in perks and resources with no equity required.
How do I apply for Mercury?
1) Check eligibility, 2) Prepare your details, 3) Apply via Mercury, 4) Start banking. Full steps are on this page.
