How to Open a Mercury Bank Account for Your US LLC (2026 Complete Guide)
Mercury is the US business bank of choice for technology founders and international LLC owners. No minimum balance, no monthly fees, US ACH, international wire, and Stripe integration — all accessible with just a US LLC, EIN, and passport.
Start with Doola →From $397 · EIN in 7–10 DaysAffiliate disclosure: we earn a commission if you form your LLC through our link — at no extra cost to you. Learn more
What Is Open Mercury Bank Account?
Mercury is a US fintech company providing business banking services to US LLCs and corporations. Founded in 2019, Mercury has become the standard banking partner for startup founders globally — processing over $100 billion in transactions annually. It is FDIC insured through Choice Financial Group and Evolve Bank & Trust.
Who Needs This?
Non-US founders who form a US LLC need a US bank account for: receiving USD from US clients, Stripe payment processing (Stripe requires a local bank account), ACH payments from US enterprises, Amazon/Shopify disbursements, and holding USD outside your home country's banking system.
Doola Makes This Fast and Simple
Doola handles LLC formation, EIN (7–10 days), Mercury banking, and ongoing compliance — so you can move forward without the DIY research burden.
Get Started with Doola →Affiliate disclosure: we earn a commission if you form your LLC through our link — at no extra cost to you. Learn more
Step-by-Step: Open Mercury Bank Account
Here is the complete process — what each step involves, what you need, and how Doola accelerates each stage compared to the DIY path.
Form US LLC with Doola
Mercury requires: LLC articles of organization, EIN from IRS, and beneficial owner passport. Doola provides all three.
Apply at mercury.com
Online application takes 15–20 minutes. Required: LLC articles, EIN confirmation letter (CP575), owner's passport, and US business address (Doola's registered agent address works).
Mercury compliance review
Mercury performs automated KYC/AML review. For Doola-formed LLCs, approval rate is significantly higher. Timeline: 1–5 business days for standard applications.
Account activated
Mercury issues a US routing number, account number, debit card (physical and virtual), and connects to Stripe automatically. ACH available immediately; wire available after verification.
Mercury Features for International Founders
Mercury has become the standard banking partner for technology founders globally because it was built from day one with international founders in mind — no branch requirements, no SSN required, fully online application. Here is everything your Mercury account includes.
Doola Handles the Complexity
LLC · EIN · Mercury · Annual compliance · Form 5472. All in one platform, starting at $397/year.
Start with Doola →Affiliate disclosure: we earn a commission if you form your LLC through our link — at no extra cost to you. Learn more
Doola Pricing
| Plan | Price | Includes |
|---|---|---|
| Starter | $297/yr | LLC + EIN + registered agent + annual state report |
| Tax & Compliance | $1,999/yr | Everything + Form 5472 + federal return + IRS support |
| Business In A Box | $2,999/yr | Everything + operating agreement + ToS + privacy policy + Mercury intro |
Wyoming state fee: $100 initial · $62/year after. Not included in plan prices above.
Frequently Asked Questions
Can a non-US founder open a Mercury bank account?▾
How long does Mercury approval take for international founders?▾
Is Mercury FDIC insured?▾
Can I receive Stripe payouts to Mercury?▾
What happens to my Mercury account if I miss annual LLC compliance?▾
Open Mercury Bank Account
Doola is the fastest path to a fully operational US LLC — for founders worldwide.
Get Started with Doola →Affiliate disclosure: we earn a commission if you form your LLC through our link — at no extra cost to you. Learn more