best bank for tech startups to do their banking in
None
2004-01-01
<div><div><div><div><h2><br/></h2><p>Startups of all sizes rely on Mercury as they create the next great
companies. Apply in 10 minutes to try business banking as it should be.</p><p></p><p>100K+ venture-backed and bootstrapped startups build with Mercury.</p></div></div><div><div><h2>Start with banking basics that just work</h2><p>Store, manage, and move your funds. </p><div><div><p></p><p>Open FDIC-insured checking and savings accounts.<sup>1</sup></p></div><div><p></p><p>Easily issue employee debit and credit cards with custom limits.<sup>2</sup></p></div><div><p></p><p>Pay vendors and employees through ACH, wires, checks, and foreign exchange.</p></div></div></div><div><h2>Fearlessly scale to new heights</h2><p>Target growth with advanced tools — and move even closer to your goals.</p></div><div><h2>Bank with precision,<br/> even at your highest speed</h2><p>Startups move fast, so we’ve built a product that keeps you in control.</p><div><div><p></p><p>Automate recurring payments, accounts payable, and other banking busywork.</p></div><div><p></p><p>Save time with reliably seamless integrations, from QuickBooks to Stripe.</p></div><div><p></p><p>Maintain control as you scale with granular employee permissions.</p></div></div></div><div><h2>You might even enjoy yourself a little</h2><p>Revel in clever shortcuts and extra levels of organization.</p></div></div><div><h2>You don’t have to go it alone </h2><p>Surround yourself with the community and resources to help bring your vision to life.</p></div><div><div><h3>We help founders across industries, stages, and business types build companies that last</h3><div><div><blockquote><header><cite></cite></header><p>We’ve been with Mercury since the beginning, and while we’ve grown quickly, Mercury has grown with us. They’re just as useful with 90 million raised as they were at seed.</p></blockquote></div><ul><li></li><li></li><li></li></ul></div></div><div><h2>Open your account
 in 10 minutes or less</h2><p>Scale smoothly and build to last on Mercury.</p><p></p></div></div><div><div><div><p><sup>*</sup> Mercury Treasury, by Mercury Advisory, LLC, an SEC-registered investment adviser, seeks to earn net returns
 up to 5.51% annually on your idle cash. Net yield
 numbers as of 11/27/2023, and assumes total Mercury deposits of $20M+.</p><p>Mercury Treasury, by Mercury Advisory, LLC, an SEC-registered investment advisor. Registration with the SEC does not imply a certain level of skill or training. SEC registration does not mean the SEC has approved of the services of the investment adviser.</p><p>Mercury Advisory, LLC (the “Firm”) is an investment management firm that offers a wrap fee program that allows small businesses to invest idle cash in relatively low-risk, short-term instruments. Please see the for further information regarding fees and conflicts.</p><p>The performance discussed herein is historic and reflects an investment for a limited period of time. It should not be assumed that future investors would experience returns, if any, comparable to those illustrated herein. Past performance is not indicative of future returns. Investment results will fluctuate. Returns are not guaranteed. All investments are subject to the risk of loss, including the loss of principal. No representation is being made that an investment account has, will, or is likely to achieve profits or losses equal to the profits or losses shown. Actual returns will vary greatly and depend on personal and market conditions. Before investing, consider your financial goals and the costs of using the program.</p><p>Furthermore, the information set forth has been obtained from sources that the Firm believes to be reliable; however, these sources cannot be guaranteed as to their accuracy or completeness. The information contained herein is not, and should not be construed as, an offer to sell or the solicitation of an offer to buy any securities. The information has been prepared solely for the purpose of determining your level of interest in Mercury Treasury and to provide general background information on such algorithmic investment program.</p></div><div><p>This information contains certain “forward-looking statements,” which may be identified by the use of such words as “believe,” “expect,” “anticipate,” “should,” “planned,” “estimated,” “potential” and other similar terms.</p><p>Examples of forward-looking statements include, but are not limited to, estimates with respect to financial condition, results of operations, and success or lack of success of the depicted investment strategy. All are subject to various factors, including, but not limited to general and local economic conditions, changing levels of competition within certain industries and markets, changes in interest rates, changes in legislation or regulation, and other economic, competitive, governmental, regulatory and technological factors affecting operations that could cause actual results to differ materially from projected results.</p><p>Targeted returns (e.g., forward-looking statements of performance up to a stated return) reflects the returns that the Firm is seeking to achieve over a particular period of time. Projected returns reflect the Firm’s performance estimate – i.e., the returns that the Firm believes can be achieved using the advertised investment services. Target returns are presented to inform clients or potential clients about the Firm’s risk tolerances when managing the Mercury Treasury strategy and to provide information useful to a client or potential client when assessing how the Firm’s strategy fits within the investor’s overall portfolio. Target returns are not guarantees or promises of future return.</p><p>Mercury Treasury is not insured by the FDIC. Mercury Treasury are not deposits or other obligations of Choice Financial Group or Evolve Bank &amp; Trust, and are not guaranteed by Choice Financial Group or Evolve Bank &amp; Trust. Mercury Treasury products are subject to investment risks, including possible loss of the principal invested.</p></div></div><section>Mercury is a financial technology company, . Banking services provided by Choice Financial Group and Evolve Bank &amp; Trust®; Members FDIC.<p>Footnotes</p><ol><li>Deposits in Mercury checking and savings accounts are held by our partner banks, and ; Members FDIC. Through sweep networks, these funds become eligible for up to $5M in FDIC Insurance. Learn more .</li><li>The Mercury Debit Cards are issued by Choice Financial Group and Evolve Bank &amp; Trust, Members FDIC, pursuant to licenses from MasterCard. The Card is issued by Patriot Bank, Member FDIC, pursuant to a license from MasterCard.</li><li>To receive cashback, your Mercury accounts must be open and in good standing, meaning they cannot be suspended, restricted, past due, or otherwise in default. </li></ol></section></div></div></div>||||I|||| MERCURY
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 what you’re building

 Startups of all sizes rely on Mercury as they create the next great companies. Apply in 10 minutes to try business banking as it should be.
 Enter your email
 Open Account
 Mercury is a financial technology company, not a bank . Banking services provided by Choice Financial Group and Evolve Bank & Trust®; Members FDIC.

 100K+ venture-backed and bootstrapped startups build with Mercury.

 Start with banking basics that just work

 Store, manage, and move your funds. Explore Demo

 Open FDIC-insured checking and savings accounts.1

 Easily issue employee debit and credit cards with custom limits.2

 Pay vendors and employees through ACH, wires, checks, and foreign exchange.

 Fearlessly scale to new heights

 Target growth with advanced tools — and move even closer to your goals.

 Confidently scale your team with
 credit cards

 And earn 1.5% cashback.3

 Earn up to
 5.51 % yield*
 on your idle cash

 Get access to mutual funds from your dashboard with Mercury Treasury.

 Extend your runway with
 venture debt

 Applying is quick and simple.

 Bank with precision,
 even at your highest speed

 Startups move fast, so we’ve built a product that keeps you in control.

 Automate recurring payments, accounts payable, and other banking busywork.

 Save time with reliably seamless integrations, from QuickBooks to Stripe.

 Maintain control as you scale with granular employee permissions.

 You might even enjoy yourself a little

 Revel in clever shortcuts and extra levels of organization.

 Search for nearly anything — from any page.

 Accounts are one tap away with native iOS and Android apps.

 Use Touch ID for desktop login.

 Create and name accounts for any purpose.

 Assign card nicknames to segment your spending.

 Plug in dates however you please.

 Pay $0/month.
 Earn up to 5.51% yield.*

 See Features and Pricing

 You don’t have to go it alone

 Surround yourself with the community and resources to help bring your vision to life.

 Up-to-date investor database

 Startup guides and advice

 Mercury Raise

 Since fall 2020, Mercury Raise has connected founders at all stages with top investors.

 $1.7B

 In funding

 1K+

 Startups

 40

 Countries

 Our Investor Network

 We help founders across industries, stages, and business types build companies that last

 Industries
 Tech
 Web 3
 Ecommerce
 Other

 Andrew Leon Hanna

 Founder, Mona

 Mercury allows for sleek navigation, simple transfers without fees, quick note-taking to track expenses, and easy card distribution for your entire team. I'm so glad I made the switch to Mercury from a traditional bank.
 Stages
 Pre-seed
 Series A
 Post-IPO
 Other

 Ryan Glasgow

 CEO, Sprig

 We’ve been with Mercury since the beginning, and while we’ve grown quickly, Mercury has grown with us. They’re just as useful with 90 million raised as they were at seed.
 Business Types
 Corporation
 Nonprofit
 LLC
 Other

 Jordan Olivas

 CEO and co-founder, QisstPay

 Mercury gave us everything we needed to get started, from accounts to quick and easy global payments. As a founder having experienced dozens of interfaces, Mercury has one of the best in the industry.
 Industries
 Tech
 Web 3
 Ecommerce
 Other

 Andrew Leon Hanna

 Founder, Mona

 Mercury allows for sleek navigation, simple transfers without fees, quick note-taking to track expenses, and easy card distribution for your entire team. I'm so glad I made the switch to Mercury from a traditional bank.
 Stages
 Pre-seed
 Series A
 Post-IPO
 Other

 Ryan Glasgow

 CEO, Sprig

 We’ve been with Mercury since the beginning, and while we’ve grown quickly, Mercury has grown with us. They’re just as useful with 90 million raised as they were at seed.
 Business Types
 Corporation
 Nonprofit
 LLC
 Other

 Jordan Olivas

 CEO and co-founder, QisstPay

 Mercury gave us everything we needed to get started, from accounts to quick and easy global payments. As a founder having experienced dozens of interfaces, Mercury has one of the best in the industry.
 Industries
 Tech
 Web 3
 Ecommerce
 Other

 Andrew Leon Hanna

 Founder, Mona

 Mercury allows for sleek navigation, simple transfers without fees, quick note-taking to track expenses, and easy card distribution for your entire team. I'm so glad I made the switch to Mercury from a traditional bank.
 * 1
 * 2
 * 3

 Open your account in 10 minutes or less

 Scale smoothly and build to last on Mercury.

 Open Account
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 * Mercury Treasury, by Mercury Advisory, LLC, an SEC-registered investment adviser, seeks to earn net returns up to 5.51% annually on your idle cash. Net yield numbers as of 11/27/2023, and assumes total Mercury deposits of $20M+.

 Mercury Treasury, by Mercury Advisory, LLC, an SEC-registered investment advisor. Registration with the SEC does not imply a certain level of skill or training. SEC registration does not mean the SEC has approved of the services of the investment adviser.

 Mercury Advisory, LLC (the “Firm”) is an investment management firm that offers a wrap fee program that allows small businesses to invest idle cash in relatively low-risk, short-term instruments. Please see the ADV Wrap Fee Brochure for further information regarding fees and conflicts.

 The performance discussed herein is historic and reflects an investment for a limited period of time. It should not be assumed that future investors would experience returns, if any, comparable to those illustrated herein. Past performance is not indicative of future returns. Investment results will fluctuate. Returns are not guaranteed. All investments are subject to the risk of loss, including the loss of principal. No representation is being made that an investment account has, will, or is likely to achieve profits or losses equal to the profits or losses shown. Actual returns will vary greatly and depend on personal and market conditions. Before investing, consider your financial goals and the costs of using the program.

 Furthermore, the information set forth has been obtained from sources that the Firm believes to be reliable; however, these sources cannot be guaranteed as to their accuracy or completeness. The information contained herein is not, and should not be construed as, an offer to sell or the solicitation of an offer to buy any securities. The information has been prepared solely for the purpose of determining your level of interest in Mercury Treasury and to provide general background information on such algorithmic investment program.
 This information contains certain “forward-looking statements,” which may be identified by the use of such words as “believe,” “expect,” “anticipate,” “should,” “planned,” “estimated,” “potential” and other similar terms.

 Examples of forward-looking statements include, but are not limited to, estimates with respect to financial condition, results of operations, and success or lack of success of the depicted investment strategy. All are subject to various factors, including, but not limited to general and local economic conditions, changing levels of competition within certain industries and markets, changes in interest rates, changes in legislation or regulation, and other economic, competitive, governmental, regulatory and technological factors affecting operations that could cause actual results to differ materially from projected results.

 Targeted returns (e.g., forward-looking statements of performance up to a stated return) reflects the returns that the Firm is seeking to achieve over a particular period of time. Projected returns reflect the Firm’s performance estimate – i.e., the returns that the Firm believes can be achieved using the advertised investment services. Target returns are presented to inform clients or potential clients about the Firm’s risk tolerances when managing the Mercury Treasury strategy and to provide information useful to a client or potential client when assessing how the Firm’s strategy fits within the investor’s overall portfolio. Target returns are not guarantees or promises of future return.

 Mercury Treasury is not insured by the FDIC. Mercury Treasury are not deposits or other obligations of Choice Financial Group or Evolve Bank & Trust, and are not guaranteed by Choice Financial Group or Evolve Bank & Trust. Mercury Treasury products are subject to investment risks, including possible loss of the principal invested.
 Mercury is a financial technology company, not a bank. Banking services provided by Choice Financial Group and Evolve Bank & Trust®; Members FDIC.

 Footnotes

 1. Deposits in Mercury checking and savings accounts are held by our partner banks, Choice Financial Group and Evolve Bank & Trust®; Members FDIC. Through sweep networks, these funds become eligible for up to $5M in FDIC Insurance. Learn more here.
 2. The Mercury Debit Cards are issued by Choice Financial Group and Evolve Bank & Trust, Members FDIC, pursuant to licenses from MasterCard. The IO Card is issued by Patriot Bank, Member FDIC, pursuant to a license from MasterCard.
 3. To receive cashback, your Mercury accounts must be open and in good standing, meaning they cannot be suspended, restricted, past due, or otherwise in default. Learn more about cashback.
Mercury | Banking for Startups
https://mercury.com/
None
2022-11-10T00:00:00Z
<div><div><div>
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</p><h2>We serve investors across stages, sectors and regions.</h2>
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<p>SVB is the go-to financial partner for investors in the innovation economy.</p>
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<h3>Dedicated to serving innovative companies and investors, SVB is backed by the strength of First Citizens Bank</h3>
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<div><p><span>$</span><span>95</span><span>B</span></p><p>in total client funds<sup>1</sup></p>
</div>

<div><p><span>1,500</span><span>+</span></p><p>innovation bankers and relationship advisors</p>
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<div><p><span>40</span><span>+</span></p><p>years serving the innovation economy</p>
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<div>
<p><sup>1</sup> The sum of period-end-on-balance sheet deposits and off-balance sheet client investment funds as of 6/30/2024.</p>
<p><sup>2</sup> Period end total loans as of 6/30/2024.</p>
<p>*All data sourced by First Citizens Bank and Silicon Valley Bank, a division of First Citizens Bank, and as of year end 2023, unless otherwise noted.</p>
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<div>
                <h5>SVB Securities Continues Expansion of its Technology Equity Research Team with the Addition of Jackson Ader</h5>
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                 </div><div><p>©2024 First-Citizens Bank &amp; Trust Company. Silicon Valley Bank, a division of First-Citizens Bank &amp; Trust Company. Member FDIC.  </p><p><sup>1 </sup>Free checking through SVB Edge available for up to three years from account opening on included services. Transactions processed, such as for overdrafts, NSF’s, returned and collection items will incur a fee as described in the Schedule of Fees. Click the ‘Learn More’ link above for additional terms and details on the free checking available with SVB Edge.</p><p><sup>2 </sup>Money Market Accounts (MMA) are interest-bearing accounts unless otherwise stated. As of August 2023, a 5.10% annual percentage yield (APY) on the Startup Money Market Account is available for deposit balances of up to $4,000,000.00.  If the Startup Money Market Account has deposit balances of $4,000.000.01 or more, a 1.00% APY will be applied to the entire Startup Money Market Account deposit balance. The APY or interest rate depends on the tier associated with the amount deposited in the MMA. You must deposit and maintain the applicable account balance to earn the disclosed APY. Please refer to the Deposit Agreement and Disclosure Statement issued at opening and any updates thereto for more details. Changes to the interest rate and APY on the MMA is at our discretion and are reflected in your account statement. Current clients with an existing Startup MMA opened before November 2022 are not eligible for this offering. Interest is calculated daily and credited monthly to the account. If you close your account before interest is credited for the month, you will not receive the accrued interest during the month the account is closed. Applicable fees, including those contained in the Product Sheets and Schedule of Fees and Charges provided at account opening, could reduce earnings on the account. Account maintenance fees may apply for each month your balance falls below a disclosed minimum. </p><p><sup>3 </sup>Corporate and Business Card programs are subject to credit approval. See the <a href="https://www.svb.com/globalassets/online-banking/svbeconnect/pdfs/svbinnovators_terms.pdf">SVB Innovator Card Agreement and Rewards Terms and Conditions</a> for full program details. 2X Unlimited Rewards Points earnings are based on net purchases made on the SVB Innovator Card. Rewards points are not applicable to virtual cards. Click the ‘Learn More’ link above for additional terms and details on the SVB Innovator Card.</p><p><sup>4 </sup>All loans and debt solutions are subject to underwriting, credit, and collateral approval. Information provided or referenced is for informational purposes only and no guarantee is expressed or implied. Rates, terms, programs and underwriting policies subject to change without notice. This is not a commitment to lend. Terms and conditions apply.</p><p><sup>5 </sup>Foreign exchange transactions can be highly risky, and losses may occur in short periods of time if there is an adverse movement of exchange rates. Exchange rates can be highly volatile and are impacted by numerous economic, political and social factors as well as supply and demand and governmental intervention, control and adjustments. Investments in financial instruments carry significant risk, including the possible loss of the principal amount invested. Before entering any foreign exchange transaction, you should obtain advice from your own tax, financial, legal and other advisors and only make investment decisions on the basis of your own objectives, experience and resources.</p></div></div></div>||||I||||  Skip to Content
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                We serve investors across stages, sectors and regions.

                SVB is the go-to financial partner for investors in the innovation economy.
                    Private Equity Fund SVB has one of the largest teams and broadest platforms for PE funds in the industry.
                    Venture Fund Banking SVB is the leading behind-the-scenes support system for fund CFOs.
                    Emerging Managers SVB supports fund founders who are changing the venture landscape.
                    Venture Firms Get so much more than banking from our dedicated VC relationship management team.
                    Corporate Venture Supporting corporate VCs and innovation units looking to discover and evaluate tech and healthcare investments.
                    Limited Partners Benefit from a secure global fund banking platform and the largest team in the industry.

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                Our deep experience in the innovation economy, coupled with our specialized solutions, help our clients reach their ambitious goals.
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                  All companies listed above are independent third parties and are not affiliated with SVB.

            Dedicated to serving innovative companies and investors, SVB is backed by the strength of First Citizens Bank

                    $ 95 B
                      in total client funds1
                    $ 42 B
                      in loans2
                    1,500 +
                      innovation bankers and relationship advisors
                    40 +
                      years serving the innovation economy
                    $ 220 B
                      in total assets
                    Top 20
                      US bank by assets*
                1 The sum of period-end-on-balance sheet deposits and off-balance sheet client investment funds as of 6/30/2024.
                2 Period end total loans as of 6/30/2024.
                *All data sourced by First Citizens Bank and Silicon Valley Bank, a division of First Citizens Bank, and as of year end 2023, unless otherwise noted.

                Stay up-to-date on what’s happening across the innovation economy.

                        Report

                      State of the Markets Report

                        Our proprietary research and insights on investment and valuation trends show how the innovation economy is navigating the current market environment.

                    Learn more
                        Report

                      Healthcare Investments and Exits

                        SVB’s Healthcare Investments and Exits mid-year report for 2024 examines fundraising and venture capital trends in the life science and healthcare industry and the biopharma, healthtech, diagnostics/tools, and device sectors.

                    Learn more
                        Blog | Market Analysis

                      The Stars Have Aligned

                        A trifecta of cash management, investment, and FX opportunities exist in the current market, but prudent actions need to be taken by investors to lock in benefits.

                    Read now
                        Report

                      State of HaaS Report

                        Discover the latest investment trends and important key metrics for the emerging HaaS model with Silicon Valley Bank’s state of hardware-as-a-service report. Click here to read the full report.

                    Learn more
                        Blog | Market Analysis

                      Beyond the Big Numbers

                        The U.S.'s national debt has far-reaching implications for both the U.S. economy and the stability of global markets.

                    Read now
                        Blog | Startup Strategy

                      Surviving an economic disaster

                        Learn from successful Series A founder, Tom Gonser former DocuSign Chief Strategy Officer, how other innovation economy startups can survive tumultuous times.

                    Read now
                        News
                        November 10, 2022

                      Founders Forum Group and SVB Expand Partnership to Support Global Innovation Economy

                        Founders Forum Group and SVB Expand Partnership to Support Global Innovation Economy

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                        News
                        July 19, 2022

                      Palitronica Awarded Most Innovative Security-Focused Company of 2022 at In-Q-Tel & Silicon Valley Bank Discovery Event

                        Palitronica Awarded Most Innovative Security-Focused Company of 2022 at In-Q-Tel & Silicon Valley Bank Discovery Event

                    Read now
                        News
                        July 11, 2022

                      SVB Securities Continues Expansion of its Technology Equity Research Team with the Addition of Jackson Ader

                        SVB Securities Continues Expansion of its Technology Equity Research Team with the Addition of Jackson Ader

                    Read now

                ©2024 First-Citizens Bank & Trust Company. Silicon Valley Bank, a division of First-Citizens Bank & Trust Company. Member FDIC.

                1 Free checking through SVB Edge available for up to three years from account opening on included services. Transactions processed, such as for overdrafts, NSF’s, returned and collection items will incur a fee as described in the Schedule of Fees. Click the ‘Learn More’ link above for additional terms and details on the free checking available with SVB Edge.

                2 Money Market Accounts (MMA) are interest-bearing accounts unless otherwise stated. As of August 2023, a 5.10% annual percentage yield (APY) on the Startup Money Market Account is available for deposit balances of up to $4,000,000.00. If the Startup Money Market Account has deposit balances of $4,000.000.01 or more, a 1.00% APY will be applied to the entire Startup Money Market Account deposit balance. The APY or interest rate depends on the tier associated with the amount deposited in the MMA. You must deposit and maintain the applicable account balance to earn the disclosed APY. Please refer to the Deposit Agreement and Disclosure Statement issued at opening and any updates thereto for more details. Changes to the interest rate and APY on the MMA is at our discretion and are reflected in your account statement. Current clients with an existing Startup MMA opened before November 2022 are not eligible for this offering. Interest is calculated daily and credited monthly to the account. If you close your account before interest is credited for the month, you will not receive the accrued interest during the month the account is closed. Applicable fees, including those contained in the Product Sheets and Schedule of Fees and Charges provided at account opening, could reduce earnings on the account. Account maintenance fees may apply for each month your balance falls below a disclosed minimum.

                3 Corporate and Business Card programs are subject to credit approval. See the SVB Innovator Card Agreement and Rewards Terms and Conditions for full program details. 2X Unlimited Rewards Points earnings are based on net purchases made on the SVB Innovator Card. Rewards points are not applicable to virtual cards. Click the ‘Learn More’ link above for additional terms and details on the SVB Innovator Card.

                4 All loans and debt solutions are subject to underwriting, credit, and collateral approval. Information provided or referenced is for informational purposes only and no guarantee is expressed or implied. Rates, terms, programs and underwriting policies subject to change without notice. This is not a commitment to lend. Terms and conditions apply.

                5 Foreign exchange transactions can be highly risky, and losses may occur in short periods of time if there is an adverse movement of exchange rates. Exchange rates can be highly volatile and are impacted by numerous economic, political and social factors as well as supply and demand and governmental intervention, control and adjustments. Investments in financial instruments carry significant risk, including the possible loss of the principal amount invested. Before entering any foreign exchange transaction, you should obtain advice from your own tax, financial, legal and other advisors and only make investment decisions on the basis of your own objectives, experience and resources.

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