Mercury vs Grasshopper Bank

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

Compare	MercuryMercury	Grasshopper BankGrasshopper Bank, N.A.
In one line	Business checking built for online companies	Chartered digital bank with free checking that pays interest
Starting price	Free	Free
Six-person team	$0/mo	$0/mo
Plans	No monthly fee; Plus $29.90/mo, Pro $299/mo (billed annually)	No monthly fee; $100 to open; ACH and incoming wires free; outgoing wires $5 domestic, $25 international; checking earns variable interest
Pricing model	Free	Free
Free trial	—	—
Users	Unlimited	Multiple, with approval rules
Both connect to	QuickBooks Online
Also connects to	Xero, 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: M-F 9am-9pm 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 Grasshopper Bank, N.A..
Capterra score	4.9 / 5 from 58 reviews	Not listed
Trustpilot score	3.9 / 5 from 2,876 reviews	4.1 / 5 from 471 reviews
Fit: Retail shop	50	55
Fit: Restaurant or café	40	45
Fit: Service business	80	80
Fit: Agency or studio	92	80
Fit: Trades or contractor	55	60
Fit: Online store	90	72
Why people pick it	No fees Clean software and API	Checking that pays interest A chartered bank, not a fintech layer
Where it falls short	No cash deposits Not a chartered bank	Outgoing wires cost $10 domestic, $25 international Cash deposits only at select MoneyPass ATMs
	Visit Mercury ↗	Visit Grasshopper Bank ↗

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