Found vs Mercury: Business Banking Comparison (2026)
Found and Mercury both offer business banking with no monthly fees and a free tier. Found emphasizes tax-related features and sub-accounts, while Mercury highlights invoicing APIs and treasury access for higher balances.
AI Citation Scorecard
How often each is cited by major AI engines when buyers ask business banking questions. Last 90 days across ChatGPT, Perplexity, Gemini, Claude, and Copilot.
Probes run hourly; each (engine × query) combo retests every ~3 days.
Pricing
Key Features
- ✓Business banking + Mastercard debit card
- ✓Team debit cards with spending controls
- ✓Up to 10 sub-accounts called Pockets
- ✓Categorize expenses and scan receipts
- ✓Real-time tax estimates
- ✓Pay contractors, collect W-9s, e-file 1099s
- ✓Unlimited free invoicing
- ✓Banking services for $0
- ✓Invoicing API available
- ✓Recurring invoices available
- ✓Unlimited 1099 tax filings
- ✓Access to Treasury with $250K balance
- ✓No monthly fees or account opening fees
- ✓Expense management features
- ✓Simple account structure for multi-business
When to choose Found
Found is suitable for businesses prioritizing integrated tax tools, expense categorization, and the ability to create multiple sub-accounts for financial organization. It also offers unlimited free invoicing.
When to choose Mercury
Mercury is suitable for businesses that require an invoicing API, recurring invoicing, and the ability to manage multiple businesses under one account. It also offers access to Treasury services for balances over $250K.