Mercury

Working with regulated partner banks allows us to unlock secure access to the U.S. banking system and focus on building innovative products for over 200K startups.

But like you, we’re thoughtful about who we do business with.

When selecting a partner bank, here’s what we look for:

Institutions that are U.S.‑based and federally regulated
Strong financial health — think robust capital ratios, stable assets, and a track record for profitability
Diverse deposit sources and a wide range of customer industries
A shared belief in our ambitious product goals and the determination to help us reach them
We primarily work with three partner banks:

Choice Financial Group, Column N.A., and Evolve Bank & Trust provide banking services that include storing your checking and savings deposits via a sweep network of reputable, FDIC‑insured banks.
Patriot Bank backs our credit card.*
In the case of Mercury Treasury, we work with Apex Clearing Corp, a FINRA‑regulated brokerage firm subject to similarly rigorous requirements as our partner banks. Mercury Treasury accounts, which allow customers to earn yield** through Morgan Stanley and J.P. Morgan Asset Management mutual funds, are insured by the SIPC rather than the FDIC.