Mercury
Founder-favorite US banking · remote onboarding · $0 monthly
Why we recommend it
Mercury is a US business banking platform (Choice Financial Group + Evolve Bank are the underlying FDIC institutions). Remote onboarding for US LLCs and Corps — including those with non-US founders. No monthly fees, no minimum balance. ACH, wire, check deposit, Plaid integration all standard. Mercury Treasury auto-sweeps excess to T-bill money markets for balances over $500k.
Highlights
- Remote onboarding for global founders
- $0 fees, no minimums
- ACH + wire + checks + Plaid
- Mercury Treasury for excess cash (MMF)
What we liked
- Industry standard for startups
- Zero friction account ops
- Treasury sweep
What could be better
- Not a real bank (deposits via partners)
- No cash deposit, no branches
Hands-on screenshots
Captured live from Mercury — not stock photos.
Full guide · 10 min read
Mercury Bank Review: The Founder Favorite
Mercury is the de facto banking platform for US startups and global founders — here's the honest review.
- Why Mercury became the default
- What you get
- Who Mercury accepts
- Mercury Treasury — the quiet upgrade
- What Mercury doesn't do
- Mercury vs the alternatives
How we evaluated Mercury
- Walked the sign-up flow and captured every upsell / mandatory add-on
- Compared flat-rate pricing against raw state filing fees
- Verified registered agent, EIN, and compliance calendar inclusions
- Cross-referenced with Nomad Capitalist and attorney reviews
Last re-verified 2026-04-01. We re-check each listing on a 90-day rolling cadence; when a program slips, the rating drops here before it drops anywhere else. How we work.