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Paid placement · September 2026

Bank of the month: Mercury.

The strongest US business banking option we open accounts with right now: especially for founders outside the United States.

4.9

Advisor score

$0

Standard plan fee

1-2 wks

Typical time to open

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Paid placement

Mercury

US business banking for LLC and C-Corp founders

This slot is paid for. It does not change Mercury’s position in our ranking or the figures shown on this page, and eligibility rules still apply.
  • Advertising disclosure. Some links on this page are affiliate links. If you open an account we may be paid a fee, at no extra cost to you. Order is set by our published criteria and cannot be bought.

Mercury

US business banking · Score 4.9 / 5

Monthly fee

$0 standard plan

Time to open

Usually 1-2 weeks

Protection

Pass-through FDIC via partner banks

What we like

  • Free ACH and USD wires; FX payments cost about 1%
  • Accepts non-resident founders with a US LLC or C-Corp
  • Virtual and physical corporate cards with spend controls
  • API and accounting integrations out of the box
  • Treasury option for idle balances

Where it falls short

  • Mercury is a fintech, not a bank: funds are held at Choice Financial Group and Column N.A.
  • Requires a genuine US entity and EIN
  • No cash deposits or branches, and some industries are declined
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