Features
Automated financial workflows
Real-time transaction tracking
Integration with accounting software
Member dashboard with analytics
Earn up to 3.61% net yield on idle cash
Same-day withdrawals from Treasury Money Market fund
Auto-transfer rules between operating and investment accounts
Custom portfolio allocation across JPM and Morgan Stanley funds
No account opening or transaction fees
Transparent fee structure (0.15%–0.6% monthly)
Minimum $250K balance requirement across Mercury accounts
Personalized portfolio management for $25M+ (by Morgan Stanley)
FDIC insurance up to $5M on checking/savings
Command AI assistant for financial management
Payroll service (launched May 2026)
SAFE creation and management
Working capital loans and venture debt
IO Mastercard with 1.5% cashback
Accounting automations and invoicing
