Got rejected opening a business bank account?
We fixed that.
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1.5% cashback
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Mercury NPS: 75 — exceptional
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Takes about 10 minutes
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300,000+ businesses on Mercury
Banks run automated checks that most businesses never see coming.
Banks use compliance screening that isn't always transparent, and rejections can happen for reasons that have nothing to do with whether your business is legitimate. It's a black box, and it's frustrating when you have a real, operating business.
It has nothing to do with your creditworthiness, your revenue, or your legitimacy. It's a compliance policy that Alliance can help you navigate.
One address on the application — another address for everything else.
Services to help you streamline communications and build trust.
Open my Mercury accountStep 1
On the application
You'll be asked to provide your residential address as part of Mercury's identity verification process — the same address on your ID and your 1583 form.
Step 2
After approval
If your application is approved, you can manage your account settings — including adding your Alliance address as a mailing address for statements, cards, and banking correspondence.
Business banking built for how you actually operate.
Mercury is a financial technology company built for businesses like yours — not for people who walk into a branch. Here's what's included:
Business Checking & Savings
No monthly fees for most businesses. Unlimited transactions with no minimums to worry about.
*Banking services provided through Choice Financial Group and Column N.A., Members FDIC.
1.5% Cashback Card
The Mercury IO Corporate Card earns 1.5% cashback on every purchase — no rotating categories, no limits.**
**IO Card issued by Patriot Bank, N.A., Member FDIC, pursuant to a Mastercard license. Accounts must be open and in good standing to receive cashback.
Domestic & International Wires
Send and receive wires domestically and internationally. Built-in for businesses with global vendors or clients.
Invoicing & Bill Pay
Send invoices, pay bills, and manage your financial workflows without switching between platforms.
Treasury Management
Earn yield on your operating cash. Mercury Treasury connects your checking with higher-yield options.***
***Mercury Treasury offered by Mercury Advisory, LLC, an SEC-registered investment adviser. See mercury.com/treasury.
Clean Mobile App
Balances, transactions, cards, all in one place. No branch visits required.
FDIC-Insured Accounts
Banking services provided by Choice Financial Group and Column N.A., both Members FDIC.*
Built for Speed
Use your address for business licensing.
Earn up to $125 when you open your Mercury account
Alliance clients who open a Mercury account through our referral link may qualify for a $125 sign-on bonus — earned when you deposit or maintain a $5,000 balance within your first 90 days, terms apply.*
*Bonus offer is subject to terms. To be eligible, your application must be completed through this affiliate link. To qualify, you must meet the applicable balance threshold and maintain that balance for at least one full calendar day during the qualification period. Additional conditions and limitations apply. Bonus amount, payment timing, and full eligibility requirements are outlined in the Mercury Referred Customer Agreement. Alliance Virtual Offices receives compensation from Mercury for referrals. This doesn't affect your account terms or pricing.
Have these ready to avoid rejection.
Mercury's approval process is fast, but a few things can slot it down or cause unnecessary rejections. Make sure you have these ready before you start.
- Your home or primary physical address — not your Alliance address, not a PO Box.
- Your EIN (Employer Identification Number) — or SSN if you're a sole proprietor.
- A clear, specific business description — what you do, who you serve, how you make money.
- Your government-issued ID — same name and address you'll use on the form.
- Confirmation that your business is not in a restricted industry (adult entertainment, cannabis, crypto mining, weapons, gambling).
Your address. Your bank account. One place.
Alliance clients have everything they need — a professional business address and now, a banking solution that works with it. No competitors offer this yet.