Mercury is banking* engineered for startups. Customers get checking and savings accounts, physical and virtual debit and credit cards, fee-free domestic and international USD wires, currency exchange, up to $5M FDIC insurance, and much more! No minimum balance or monthly fees. Founders can apply in minutes from nearly anywhere, with nothing but a laptop needed to get started — and no SSN or U.S. residential address required. *Mercury is a fintech company, not an FDIC-insured bank. Checking and savings accounts are provided through our bank partners Choice Financial Group, Column N.A., and Evolve Bank & Trust; Members FDIC. Deposit insurance covers the failure of an insured bank. Checking and savings account deposits may be held by sweep network banks. Certain conditions must be satisfied for pass-through insurance to apply.