If you are comparing Mercury business checking bonus offers for 2026, here is the current deal: up to $375 in cash when you open a Mercury business checking account and meet two simple milestones. This post breaks down the bonus, the account itself, and whether it is worth it.
💼 Mercury Business Checking + Up to $375
Open a free business checking account with zero monthly fees and claim up to $375 in cash bonuses.
The Business Checking Bonus
| Milestone | Reward | Deadline |
|---|---|---|
| Deposit $10,000 | $275 cash | First 90 days |
| Spend $10,000 on the IO card | $100 cash | First 90 days |
| Total | $375 | — |
What Mercury Business Checking Includes
- Zero monthly fees and no minimum balance.
- Free USD wires and same-day ACH.
- Up to $5M in FDIC insurance via partner banks and sweep networks.
- Virtual and physical debit cards, plus the IO credit card with 1.5% cashback.
- Built-in invoicing, bill pay, and accounting integrations (QuickBooks, Xero, NetSuite).
- Optional Treasury to earn yield on idle cash.
Is the Bonus Worth It?
For any business that will hold at least $10K and use a card for expenses, the answer is an easy yes — you are getting $375 for banking activity you would do anyway, on an account with no monthly fees. Compared to traditional banks that charge monthly fees and pay nothing, Mercury is hard to beat.
FAQ
Does the deposit need to stay in the account?
You need to deposit $10K within 90 days to qualify. Review the current terms during signup for any balance-hold requirements.
Are there really no monthly fees?
Correct — Mercury business checking has no required monthly fees and no minimum balance. Some premium features are part of paid plans.
Who is Mercury best for?
Startups, e-commerce sellers, agencies, and LLC owners who want modern, fee-free business banking. See our guide to the Mercury sign-up bonus for more.
Open Mercury Business Checking Today
No monthly fees, free wires, and up to $375 in bonuses. Get started in minutes.
Affiliate disclosure: We may earn a commission if you open a Mercury account through links on this page, at no cost to you. Mercury is a financial technology company, not a bank; banking services provided by Choice Financial Group and Column N.A., Members FDIC. This is not financial advice.