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Mercury vs Relay Financial
Mercury Business Checking and Relay Business Checking, side by side, using only what each provider says on its own site.
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| Feature | Mercury Business Checking | Relay Business Checking |
|---|---|---|
| Type | Fintech (partner bank) | Fintech (partner bank) |
| Audience | Business | Business |
| Banking services | Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. as of Oct 30, 2026, source | Relay is a financial technology company, not a bank. Banking services are provided by Thread Bank, N.A., Member FDIC. as of Oct 30, 2026, source |
| Deposit insurance | Being verified | Being verified |
| Monthly fee | Being verified | Being verified |
| APY | Being verified | Being verified |
| Sign-up bonus | Being verified | Being verified |
| Cash deposits | Being verified | Being verified |
| Links | Visit Mercury (official site, opens in a new tab) | Visit Relay Financial (official site, opens in a new tab) |
PLACEHOLDER: Our verdict on which account fits which business publishes after the fee, APY and bonus rows are verified.