Mercury

Mercury combines a dedicated business checking account with built-in expense tracking, letting you categorize spending and review cash flow without leaving the app. You can automate bill payments, set spending controls per team member, and sync transactions directly to QuickBooks or Xero. The platform also handles payroll integrations and provides financial dashboards that show runway, burn rate, and expense trends in real time.

It's designed for startups and growing tech companies that want banking and accounting tools in one place. Unlike Mercury's focus on startups specifically, general business banks often lack this integration depth, and traditional accounting software requires manual bank reconciliation. The trade-off is that Mercury's account requirements and feature set are geared toward newer businesses rather than established sole proprietors.