Linking external bank accounts

We use Plaid to link U.S bank accounts to your Mercury account for easier transfers and money management.

How to link external accounts via Plaid

1. Click the blue Move Money button in the upper right corner, then select Transfer
2. Click on the Transfer From dropdown, then scroll to the bottom and click Link a Bank Account
3. Using the Plaid pop-up, find your bank and enter your credentials when prompted
   • If your bank is not selectable from the Plaid dropdown, we're currently unable to support a connection (including a manual connection via micro-deposit). The good news is, you can still transfer funds between bank accounts via ACH and the Move Money flow
4. You'll be prompted to select the type of external bank account that you're linking (either business or personal). You'll need to provide this information before you can make a transfer
   1. The account type (business or personal) determines how the ACH transaction is sent between your linked accounts. This is called the SEC file type: WEB files for personal accounts or CCD files for business accounts
   2. If you have an existing linked account, updating the account type may change how your transactions are sent. If your receiving bank flags the transaction for your review, you can let them know this was an expected change

Once the account is linked, you can view account details, manage the connection, and initiate new transfers by going to the Linked Accounts tab on your Accounts page.

If you receive an error when trying to log in, double-check that you're using the correct login, password, and login method. It can also be helpful to log in to your bank directly and make sure there are no error messages or items you need to action before connecting.

At this time, we can only support linking U.S accounts. For transfers outside the U.S, we recommend initiating an international wire.

Initiating transfers between linked accounts

Once your external account is linked, you can transfer funds to or from it directly from your Mercury dashboard or mobile app.

Note: Transfers involving Plaid-linked accounts generally take longer to process. For more information, see our dedicated article on transfer timelines.

How to unlink external accounts via Plaid

On the Web:

1. Navigate to the Accounts page from the lefthand sidebar and look for the Linked Accounts tab
2. Find the account you want to remove, click on the three dots and select the option to Unlink account
   

On the Mercury App:

1. Open the Mercury app and head to the Accounts tab
2. Tap on the Linked Accounts account and select the external account you want to remove.
3. Look for the option to unlink the account.