Mercury vs Bank of America Business Advantage

Two banking tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	MercuryMercury	Bank of America Business AdvantageBank of America
In one line	Business checking built for online companies	Branch checking with the first year free
Starting price	Free	From $16/mo
Six-person team	$0/mo	$16/mo
Plans	No monthly fee; Plus $29.90/mo, Pro $299/mo (billed annually)	Fundamentals: $0 for 12 months, then $16/mo unless you keep a $5,000 combined average balance, spend $500/mo on the debit card, or join Preferred Rewards; Relationship: $29.95/mo or $0 with waivers
Pricing model	Free	Paid
Free trial	—	—
Users	Unlimited	Unlimited
Both connect to	QuickBooks Online, Xero
Also connects to	Puzzle, Kick	No others on record
Team size	Just me · 2–10 people · 11–50 people · 51–200 people	Just me · 2–10 people · 11–50 people
Available in	US	US
Phone support	None listed	Plans not stated
Live chat	None listed	None listed
Support hours	Not published	Phone: Mon–Fri 7 a.m.–11 p.m. ET; Sat 8 a.m.–8 p.m. ET
Incidents posted	5 incidents posted on Mercury's status page in the 90 days to Oct 27, 2026; 0 marked major or critical by Mercury. Status page	We found no public status page for Bank of America.
Capterra score	4.9 / 5 from 58 reviews	Not listed
Trustpilot score	3.9 / 5 from 2,876 reviews	Not listed
Fit: Retail shop	50	82
Fit: Restaurant or café	40	80
Fit: Service business	80	72
Fit: Agency or studio	92	55
Fit: Trades or contractor	55	75
Fit: Online store	90	50
Why people pick it	No fees Clean software and API	First year free Large branch network
Where it falls short	No cash deposits Not a chartered bank	$16 fee after a year unless waived Low interest
	Visit Mercury ↗	Visit Bank of America Business Advantage ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices