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Last updated Dec 2025

Mercury Vs. Relay

Mercury and Relay are prominent contenders in the realm of business checking accounts, each providing distinctive financial solutions to meet diverse business needs. Explore and compare their unique features and benefits to determine the ideal banking partner for your enterprise.
Feature Breakdown
Recommended
1

9.5

Visit Mercury
1

9.0

Visit Relay
General Details
Monthly Fee

$0

$0
$30 – Pro plan

Banking Partner

Evolve Bank & Trust® and Choice Financial Group;
Members FDIC.

Evolve Bank & Trust and Thread Bank;
Members FDIC

FDIC Coverage

Up to $5,000,000

Up to $2,500,000

Editorial Score
score-ring.svg

9.5

9.0

Credit Card
Fees & Charges
Minimum Balance

$0

$0

Overdraft Fees

$0

$0

APY

Up to 5.51%

1%-3%

Outgoing Wire Transfers

Free domestic transfers
Free international transfers

Domestic wire transfers: $5 ($0 with Relay Pro)
International wire transfers: $10 ($0 with Relay Pro)

Features
Number of Accounts Available

Up to 15 checking accounts

Up to 20 checking accounts

Transactions

Unlimited fee-free transactions

Unlimited fee-free transactions

Debit Card

1 card per account

Up to 50 individual cards with customizable spend limit

Credit Card
Check Deposit
Cash Deposit
Bill Pay

Available for Pro plan

3rd-Party Integrations

Xero, QuickBooks, and Zapier

QuickBooks, Xero, Gusto, Plaid, and Yodlee

Bottom Line

Winner!
1
1
Editorial Score

9.5

9.0

Key Advantages

Mercury offers a superior business banking experience with a range of features including competitive APY, an efficient bill pay system, and various credit card options. It’s known for its low rates and a banking experience that caters well to diverse business requirements.

Visit Mercury

Relay distinguishes itself in the business banking sector with its advanced bill automation and customizable checking accounts. It is particularly suited for businesses looking for a banking solution that can be tailored to their unique needs and financial processes.

Visit Relay