Where do I download my Mercury bank statement?

Sign in at app.mercury.com, click Settings in the left sidebar, then Statements. Every account in the workspace (checking, savings, and any Mercury IO subaccount) has its own monthly PDF. Statements cover the calendar month and post within the first few business days of the next month. Cardholders with limited access may only see accounts they have explicit permission for, so ask your admin if the list looks short.

Does Mercury issue invoices for banking activity?

Generally no. Standard Mercury checking and savings are free of monthly fees, so there is nothing to invoice against. What you download is the account statement, which shows the activity for the period. Paid features like Mercury Plus or specific Mercury IO tiers do generate receipts in Settings under Billing, but the main banking relationship is not an invoice-based product. If your bookkeeper insists on a "Mercury invoice," the monthly statement is the closest equivalent.

Who is the bank behind Mercury?

Mercury is a financial technology company, not a bank itself. Deposits are held by partner banks that are FDIC-insured. At the time of this page Mercury's banking partners are Choice Financial Group and Column N.A., both US chartered and FDIC member banks. The monthly statement footer and the Mercury site list the current partner banks, which is worth checking if you are running audit or compliance documentation.

How do I get a 1099 tax form from Mercury?

For US account holders, Mercury issues a 1099-INT annually when interest earned on savings balances or Mercury IO yield crosses the IRS reporting threshold. Find it in Settings under Tax documents. Forms typically post between late January and early February for the prior tax year. If you expect a 1099 and do not see one, confirm your entity type, check the threshold for your account, and contact Mercury support if interest clearly exceeded the cutoff.

What is Mercury IO and how does it show up on my statements?

Mercury IO is Mercury's treasury and yield product, which lets eligible customers earn yield on idle balances by sweeping funds into a separate IO account structure. IO produces its own account view and its own statement entries. Transfers between checking and IO appear as transactions. Yield earned rolls into the year-end 1099-INT. For US business accounts the net interest is what matters for taxes, not the volume of sweep transactions on the statement.

How do I download a wire or ACH confirmation from Mercury?

Open Transactions in the left sidebar, find the specific wire or ACH, and click into the detail panel on the right. Mercury shows the full payment details including the counterparty, amount, Fedwire reference for domestic wires, or SWIFT MT103 reference for international wires. Use the download link to save the confirmation as a PDF. Send the confirmation PDF to the counterparty rather than the monthly statement, since the statement contains unrelated activity.

I have multiple legal entities on Mercury. Are my statements consolidated?

No. Each legal entity is a separate Mercury workspace with its own set of accounts, statements, and tax documents. You switch between entities using the workspace picker at the top-left. If you run a holding company with subsidiaries, a C-corp with a Stripe Atlas shell, or an operating entity plus a separate payroll entity, each one needs its own download run every month. Mercury does not produce a consolidated statement across entities.

Can I bulk download all my Mercury statements at once?

The Mercury dashboard is one click per PDF per account per month. There is no single "download everything" button that sweeps up every account and every period in one shot. For a startup with three accounts and twelve months of history across two entities, you are looking at around seventy-two clicks to pull a full year. This is the point where most founders either hand the ritual to a bookkeeper or connect Mercury to Inbox Ledger so new statements arrive automatically.

What is the difference between a Mercury statement and a transaction CSV export?

The monthly statement is the formal PDF document of record for a calendar month, suitable for accountants, auditors, and tax authorities. The CSV (or QBO or OFX) export is a line-level data file from Transactions, useful for importing into accounting software or slicing by date range. Most finance workflows need both. The statement is the audit artifact. The CSV is the working data file.

How do I give my accountant access to Mercury without letting them move money?

In Team Management under Settings, invite them with a read-only role. Read-only users can view accounts, download statements, and see transactions, but they cannot send payments, approve transfers, or change account settings. This is the right permission level for external bookkeepers and accounting firms. Reserve admin or approver roles for people you actively want to authorize movements.

How far back can I download Mercury statements?

Mercury keeps statement PDFs for the full life of each account, as far as we have observed. You can pull any prior month from account opening forward. Closed accounts are trickier. Once an account is closed, self-serve access to its historical statements can be restricted, so download everything before you close anything. Long-term storage belongs in your own accounting system, not in the Mercury dashboard.

Why does my Mercury statement mention Choice Financial Group or Column N.A.?

Those are Mercury's FDIC-insured banking partners, the actual chartered banks that hold your deposits. The monthly statement lists the partner bank in the footer and on the legal notices because they are the entity of record for deposit custody. This is normal for a fintech-plus-partner-bank structure and does not mean you have multiple banking relationships. For accounting the seller on the statement is still Mercury, and the partner bank name matters mainly for audit and compliance questions about deposit insurance.

How to get Mercury invoices

Step-by-step guide to downloading your Mercury billing documents.

Last verified: 2026-04-24

Step-by-step: download invoices from Mercury

1
Sign in to Mercury and pick the right workspace
Go to app.mercury.com and sign in. Many founders run more than one legal entity on Mercury (a parent LLC, a C-corp, a Stripe Atlas shell, a holding company), and each one is its own workspace with its own statements. Use the workspace switcher at the top-left to land in the correct entity before you touch anything else. Statements do not roam across workspaces, and pulling the wrong entity is the first thing most people get wrong.
2
Open Statements from the sidebar
In the left sidebar, click Settings, then Statements. Mercury generates a monthly statement PDF for each account you hold (every checking, every savings, every Mercury IO subaccount). Statements cover the calendar month and become available within the first few business days of the following month. You can also reach this view from Account by selecting an account and clicking Statements on that account's page.
3
Download the monthly PDF for each account
Mercury lists statements with the month, the account name, and a download button. Click Download next to the period you need. Each account produces its own PDF. A single entity with a primary checking, a reserves savings, and a Mercury IO Treasury subaccount generates three separate PDFs per month, not one consolidated document. Repeat for every account in the workspace.
4
Grab wire and ACH confirmations separately
Individual payment confirmations (outgoing wires, incoming international wires, large ACH transfers) do not live on the monthly statement as standalone documents. Open Transactions, find the specific transfer, and click into the detail panel to download the payment confirmation PDF. Some counterparties and tax authorities ask for the wire confirmation on its own, not just the line on the statement. Keep these in a separate folder alongside the monthly statement.
5
Pull tax forms from the Tax documents section
In the Settings area, open Tax documents. Mercury issues a 1099-INT annually for US accounts that earned interest above the reporting threshold, typically on savings balances and Mercury IO yield. Forms show up between late January and early February for the prior tax year. Download the PDF and file it with the rest of your year-end paperwork. Non-US entities will not see 1099s but may see other region-specific documents in the same section.

About Mercury billing

Mercury is a banking platform, not a SaaS vendor. That changes the paperwork you actually get from them.

You download statements, not invoices. Mercury checking and savings are free, so there is no monthly bill to itemize. What your accountant wants is the monthly PDF for each account, the 1099-INT at year-end, and wire confirmations for specific transfers when a counterparty asks for proof. Three different places, three different cadences.

Mercury does not issue a vendor-style invoice for your banking relationship because checking and savings carry no monthly fee. If your accountant asks for a "Mercury invoice," they mean the monthly account statement. For interest earned on savings or Mercury IO yield, the year-end 1099-INT under Tax documents is the document that matters for US tax filing. Wire and ACH confirmations are separate PDFs pulled from the individual transaction detail view.

About Mercury

Mercury is a financial technology company founded in 2017 and headquartered in San Francisco. It offers business banking services (checking, savings, and the Mercury IO treasury and yield product) to startups, agencies, and small businesses, primarily in the US. Mercury itself is not a chartered bank. Deposits are held with FDIC-insured partner banks, currently Choice Financial Group and Column N.A., which appear in statement footers and legal disclosures. Mercury also issues a corporate debit card tied to its accounts and supports US domestic and international wires, ACH, and check payments, with accounting integrations for QuickBooks, Xero, and other stacks.

Manual vs automated

Manual

Sign in to Mercury and pick the correct entity workspace
Open Settings then Statements
Download the monthly PDF for every checking, savings, and IO subaccount
Pull wire and ACH confirmations from Transactions one at a time
Grab the 1099-INT from Tax documents in late January
Repeat for each legal entity

Automated with Inbox Ledger

Connect Mercury once in Inbox Ledger
Monthly statements, tax forms, and wire confirmations land in your dashboard
Export to Drive, Sheets, or your accounting system

Why people stop doing this by hand

A solo founder with one checking account on Mercury and no IO balance can handle the dashboard. The ritual stays manageable. The pain arrives the moment the structure grows.

A typical venture-backed startup runs a primary operating entity plus a Stripe Atlas shell or a holding company, with two or three accounts per entity (operating checking, reserves savings, and Mercury IO for idle cash). That is six to nine statement PDFs every month, pulled from separate workspaces, before you count wire confirmations for each outbound transfer to a vendor or employee. A year of history across this structure is close to a hundred documents, plus the 1099-INT for any entity that earned interest. Finance teams reconciling at month-end also want the transaction CSV or OFX export alongside the PDF, which doubles the download count.

Wire confirmations are the other recurring friction point. Counterparties, landlords, foreign vendors, and tax authorities ask for the confirmation PDF on its own, not the monthly statement. Each request means opening Transactions, finding the specific wire, and downloading the single-payment PDF. Most finance leads we talk to keep a shared folder just for wires, separate from the monthly statement archive, because the two documents serve different audiences.

Mercury is one of the portals our Chrome Extension auto-detects. Install it, open your Mercury dashboard, and the extension captures new statements and tax documents in the background. No OAuth setup, no forwarding address, no workspace-by-workspace click ritual. It works alongside the main Inbox Ledger sync, which picks up wire confirmations forwarded from your team inbox so both halves of the story land in one place.

Next step

One entity, one account, a bookkeeper who only needs year-end numbers: the Mercury dashboard is enough. Multiple entities, a Mercury IO balance earning yield, regular outbound wires, or a finance team that wants every statement and every 1099 filed without a monthly scavenger hunt: connect Mercury to Inbox Ledger once and let the documents come to you.

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Quick access

Jump straight to the Mercury billing page in a new tab.

Open Mercury billing

Where to look in the dashboard

Settings → Statements is where monthly account statement PDFs live, one per account per month
Settings → Tax documents is where 1099-INT and other year-end tax forms appear
Transactions → pick a transfer → Details is where individual wire and ACH confirmations are downloaded
Settings → Billing is where add-on receipts for paid Mercury features (Mercury Plus, IO fees where applicable) live
Account switcher (top-left) separates multiple legal entities, each with its own full set of statements and tax documents

Before you start — quick checklist

Monthly statement PDFs are downloaded for every checking, savings, and Mercury IO subaccount in the workspace
Each legal entity (separate Mercury workspace) has its own statement set pulled, not just the one you log into most often
Wire and large ACH confirmations are saved as their own PDFs where your accountant or counterparty has asked for them
The 1099-INT is archived for the current tax year once Mercury posts it in late January or early February
Mercury IO yield and interest earned on savings reconcile between the monthly statement and the 1099-INT at year-end
Transaction CSV or OFX export is pulled for any period that needs line-level reconciliation beyond what the PDF summarizes

Pro tips

Mercury is a banking platform, not a chartered bank. Deposits sit with partner banks (Choice Financial Group and Column N.A. are the current FDIC-insured partners), which is why the fine print on the statement lists them rather than Mercury itself. For accounting purposes the statement is still a Mercury document. For legal or audit questions about deposit custody, the partner bank is the entity on record.
Mercury does not issue traditional vendor invoices because Mercury is a bank partner, not a SaaS vendor billing you a monthly fee. Free checking is free. If your accountant is asking for a "Mercury invoice" for banking activity, they actually want the monthly statement plus, for interest, the 1099-INT. Paid add-ons (Mercury Plus, IO fees on certain tiers) generate their own receipts in Settings under Billing, but most founders never see these.
Mercury IO (the treasury and yield product) produces its own yield statements and appears on the monthly statement for the connected account. Interest earned rolls into the annual 1099-INT. If you move funds frequently between IO and checking, the transactions look repetitive on the statement but only the net interest earned matters for taxes.
Multi-entity founders should set up a naming convention on downloaded files early. Mercury names exported PDFs with the account and period, but the legal entity is only visible once you open the file. Prepending the entity short name (for example "AcmeInc-Checking-2026-03.pdf") avoids mixing statements across entities at year-end, which is especially painful for holding companies and Stripe Atlas stacks.
Wire confirmations carry the Fedwire reference number or the SWIFT MT103 reference depending on domestic versus international. Counterparties asking for "proof of wire" usually want the confirmation PDF from Transactions, not the monthly statement line. Download and send the confirmation rather than the full statement, since the statement exposes unrelated account activity you may not want to share.
Export formats matter for your accounting stack. Mercury supports CSV, QBO (QuickBooks), and OFX exports from Transactions with date range filters. QBO imports cleanly into QuickBooks Online. OFX works with most other accounting tools. CSV is the universal fallback. Pulling the right format the first time saves an afternoon of column mapping in the spreadsheet.

Skip this entirely. Automate Mercury invoices

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How to get Mercury invoices

Step-by-step: download invoices from Mercury

Sign in to Mercury and pick the right workspace

Open Statements from the sidebar

Download the monthly PDF for each account

Grab wire and ACH confirmations separately

Pull tax forms from the Tax documents section

About Mercury billing

About Mercury