Opening a U.S. Bank Account with Mercury

Mercury is a financial technology platform focused on startups and foreign-founder-owned U.S. companies. There are no physical branches; applications are entirely online and accessible internationally. Accounts are provided through FDIC-insured partner banks.

What you need to apply

• Formation documents (Articles of Organization)
• EIN confirmation letter (CP 575 or 147C)
• Passport
• Your company website or a description of your business model
• A U.S. business address (a registered agent address alone may not suffice)

What to watch for in the application

Mercury wants to clearly understand your business: what you sell, who your customers are, where money comes from and goes. Keep answers short and concrete. Your website must be live at the time of application. Approval usually takes 3–7 business days; responding quickly to document requests shortens it.

If declined, don't panic: Wise Business and Payoneer are strong alternatives with different risk appetites, and you can apply with the same documents. Our packages include alternative-strategy support for this scenario.