The Mercury Business Checking & Startup Friendly is a fintech account from Mercury Business Checking &. The annual fee is $0/month. The ongoing APR is N/A (Debit/Charge). Approval typically requires a credit score of None (checking) or higher. Rewards: 1.5% cashback on card spend (IO card). Cash back: 1.5% (IO card). Typical credit limit: Based on balance. Free business checking + debit card. IO card offers credit line based on cash flow. No credit check for checking. Popular with startups and ecommerce. | PG verification: While the checking account does not require a personal guarantee, the IO card may require one based on the applicant's creditworthiness and cash flow.