Provider comparison
Mercury vs Relay: Best US Business Bank for Non-Residents?
Compare Mercury and Relay for global founders who need US LLC online banking. Compare fees, account features, and eligibility.
Short verdict
Mercury usually wins for polished startup-style banking. Relay usually wins for cash buckets and bookkeeping visibility.
Side-by-side fit
M 
Mercury
Startup-style US LLC banking for SaaS, agencies, and online operators.
- Availability
- US companies, non-US founders subject to review
- Watchouts
- Strong first look for software and service businesses Eligibility varies by founder country and business profile
R 
Relay
LLCs that want multiple checking accounts, cash buckets, and bookkeeping visibility.
- Availability
- US businesses, non-US founders subject to review
- Watchouts
- Useful for tax and operating cash buckets Pairs well with bookkeeping workflows
Decision rule
Pick the provider whose approval path, country support, product strengths, fees, and bookkeeping records match the way money will actually move through the business.