Mercury logoThe logo for Mercury, featuring a circular emblem with abstract, interconnected swirling lines on the left, and the word "MERCURY" in clean, uppercase letters to the right.

Innovative banking for climate tech

The powerful banking platform for founders, investors, and builders in clean energy, carbon capture, sustainability, and beyond.
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Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

Climate tech has big goals. This is banking that helps you get there.

Boost your runway

Access a range of climate financing solutions, from climate-focused grants to venture debt.

Climate-specific perks

Get discounts on carbon credit programs, plus emissions & ESG tracking solutions.

Support from experts

Our relationship managers specialize in your industry — and they’re with you every step of the way.

Expand your knowledge

Join events and expert-led sessions designed to help founders sharpen their playbook.

Startup-friendly terms

Qualify for corporate credit cards with an industry-low balance minimum & higher credit limits.

A built-in climate ecosystem

We regularly host climate events across the country to connect you with investors, partners, and more.

Everything you need for smooth banking

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Bank at your speed

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  • Fast online application and onboarding

  • Start spending immediately with virtual cards

  • Complete any banking task in just a few clicks

  • Bank anywhere with an intuitive mobile app

Simple money transfers

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  • Deposit money and pay vendors in three clicks

  • Pay via ACH, check, or wire

  • Create auto-transfer rules between accounts

  • Set up recurring payments

  • Easily share receipts with your team

Physical and virtual cards

Issue corporate cards in seconds — complete with custom limits, searchable transactions, and user permissions for teammates, bookkeepers, and contractors.

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File 1099s right from Mercury

  • Collect W-9s and prefill forms with AI data extraction

  • File Federal and State 1099-NEC and MISCs for the 2025 tax season

  • Track progress and correct or void filings as needed

  • No exports or third-party tools required

1099 tax filing

Your needs are our priority

We’re always looking to build features that support scaling climate tech companies. Email us your suggestions anytime at [email protected].

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Access an entire financial platform powered by your Mercury account

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IO credit card

Confidently scale your team with the IO Mastercard. Earn 1.5% cashback with startup-friendly credit limits.

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Treasury

Earn yield on idle cash right alongside your operating accounts.

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Invoicing

Send invoices, track what you’re owed, and get paid the way you want — all from where you manage your banking.

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Venture Debt

Supercharge your growth and extend your runway with Mercury Venture Debt.

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Startup perks

Get discounts on hundreds of popular tools, including AWS and Google Cloud.

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SAFEs

Easily create and manage SAFEs right inside Mercury, plus potentially save money on legal fees.

Mercury is built by entrepreneurs, for entrepreneurs. With their unrivaled venture debt and all-in-one financial platform, they’re the ideal partner for us to build and scale our business long-term.

Jonathan Segal

Co-founder & COO, Zeno Power

Frequently asked questions

Mercury supports climate companies from all stages with climate-focused financing & grant writing partners as well as growth capital, flexible products for your finance team, and climate perks packages with partners across the finance stack. We are dedicated to continuing to build products for climate founders.

Mercury hosts and has presence in annual climate events such as SF Climate Week and Climate Week NYC, connecting thousands of founders, VCs and climate stakeholders. If you are interested in connecting with other founders in the space, email [email protected] to be added to our events invite list for future programming.

You’ll need your company’s official formation documents, your IRS-issued EIN document, and a government ID (e.g., a passport or U.S. government identification document – see all acceptable documents here) for at least one person with operating control of the business, as well as  any owner with at least 25% ownership of your company. You'll also need to provide some information about your company and its owner with operating control.Customers must be formed and registered in the United States or a U.S. territory, have some type of existing or planned operations in the U.S., and have a U.S. or international address for their principal place of business. This can be a residential address, but may not be a registered agent, P.O. box, or UPS box address. Once you apply, we’ll review to ensure formation documents are up-to-date and that your company otherwise satisfies our onboarding requirements.We cannot currently support accounts for businesses with founders or financial controllers living in the countries and regions listed here.For more information on eligibility and required documents, please see this article.

Mercury business banking is free to use. There are no account minimums, overdraft fees, monthly fees, or account opening fees. However, certain advanced features may incur fees. These include: making mass payments on our API, accessing Mercury Treasury account management, making non-USD business debit or credit card transactions, exchanging money in non-USD currencies, and sending USD internationally with optional premium processing. Customers have the option to select a paid plan (starting at $35/month) for access to these advanced payment workflows, including more invoicing features, our enriched NetSuite automations, and reimbursing out-of-pocket expenses for more than 5 active users per month. Learn more about pricing here. If your business doesn’t need access to these advanced financial workflows quite yet, don't worry. Our business checking and savings bank accounts are free for everyone. Anyone can send payments from their Mercury account without subscribing to a paid plan. When you're ready, you can upgrade to access the advanced features at the price point that makes sense for your company and volume of business.

As a Mercury customer, you have the option to send USD international wires for free. We offer two options for how those wires are processed. The first, coded as SHA, is standard among most banks and while free to you, may result in intermediary bank fees that are absorbed by your recipient. The second, coded as OUR, gives you the option to pay a flat fee of $15 so that any intermediary fees will be charged back to Mercury, making it more likely your recipient will receive the full amount.

Your checking and savings deposits are held in your name across a sweep network of multiple regulated banks. Through this program, we’ve upgraded the FDIC insurance on Mercury checking and savings accounts to up to $5M — 20x the per bank limit.In addition to working with our banking partners to keep your funds secure, Mercury’s world-class fraud engineering and compliance teams work together to build tools and processes that spot suspicious activities and stop them in their tracks.

Mercury checking and savings deposits are FDIC-insured up to $5M through our partner banks and their use of sweep networks. As a broader effort, we are working on expanding all coverage even further. You can learn more about FDIC insurance here.

Mercury is fully integrated with accounting tools like QuickBooks Online, Xero, and NetSuite, allowing you to sync your transactions. Additionally, you can authorize wire drawdowns, most commonly used for payroll processing, with payroll providers such as Gusto, Sequoia One, ADP, and TriNet. Mercury is also compatible with payment processors like Stripe, Square, Shopify, and Paypal.

Open an account in 10 minutes or less

Operate at your best with business banking built to move your company forward.

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Disclaimers and footnotes

Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. Deposit insurance covers the failure of an insured bank.