Mercury Business Banking vs Found Business Banking
By Alex Compton · Updated
Current comparison analysis is withheld until the comparison itself and both account records pass verification. The table below retains independently checked account terms. Terms for a specific account variant also require a current comparison review.
| Mercury Business Banking | Found Business Banking | |
|---|---|---|
| APY / yield | Treasury is a separate investment product: published net yields 3.30–3.75% for MRGXX (October 19, 2026) and 3.63–4.08% for MCRYX (October 16, 2026), varying by total balance; $250,000 eligibility threshold | None on the free tier; 1.50% up to $20,000 on Found Plus; 2.50% on all balances with no cap on Found Pro |
| Monthly Fee | $0 (banking is free on every tier) | $0 (free tier) |
| Minimum to Open | None | None |
| ATM Access | No Mercury ATM fee, but operator fees may apply; $1,000 per card and $3,000 per account daily withdrawal limits, and no cash deposits at all | No Found ATM withdrawal fee; operator fees can apply. Cash deposit help lists one free deposit per month, then $2, with $2,000 per rolling 7 days and $4,000 per rolling 30 days limits; confirm the fee in-app. |
| Insurance | Eligible bank deposits may receive up to $5 million through Choice Financial Group, Column N.A. and sweep banks; program conditions and other same-category deposits at those banks affect coverage. Treasury investments are not FDIC insured. | FDIC insured up to $250,000 through Lead Bank |
| Our Rating | 9.0 | 7.5 |
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