Mercury LLC Verification Guide — All 50 States (2026)
Mercury is a fintech banking platform whose deposits are held at FDIC-member partner banks (currently Choice Financial Group and Column N.A., Members FDIC), making it popular with startups and small businesses including those with non-US founders. To open a Mercury account for a US LLC, you must provide the company's formation documents, an IRS-issued EIN confirmation, a government ID for the beneficial owner(s), and a physical US address. Mercury supports all US-state LLC types and is commonly used by foreign founders who have formed a US LLC, since it does not require founders to be US citizens or residents.
Edmond Hui · Founder, MyStateLLC
Edmond Hui is a software engineer and serial entrepreneur based in New York who has founded multiple online businesses across e-commerce, media, and information publishing. Before transitioning into tech, he spent years as a commercial real estate professional closing deals totaling over 100,000 square feet, giving him firsthand experience with business formation and entity structuring. He built MyStateLLC to provide the free, state-specific LLC guidance he wished existed when forming his own companies.
What Mercury requires from an LLC
- LLC formation documents. Your Articles of Organization (or Certificate of Formation, depending on your state) showing the LLC is validly registered in the US.
- IRS EIN confirmation letter. An IRS EIN confirmation document: the CP575 EIN assignment letter, a 147C letter, a completed SS-4, or a screenshot of the IRS online EIN confirmation. Mercury requires one of these to verify the business tax ID.
- Government-issued ID for owner(s). A passport or US driver's license for each beneficial owner and controller of the LLC.
- US business address. A physical US address where the company operates. Commercial, residential, or co-working space addresses are accepted. Important: Mercury has tightened address requirements as of 2025–2026 and may reject registered-agent-only addresses, PO boxes, UPS Store addresses, and virtual mailbox services. If your only US address is a registered agent, you may need to provide a co-working space, fulfillment partner, or other operational address.
Mercury verification by state
Frequently Asked Questions
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