What Happens to Your Mercury Account When You Die
Quick Facts
Account type
Startup/business banking
Treasury
May hold significant funds
Cards
Debit/virtual cards active
Signers
Check authorized signers
Step-by-Step Guide
Secure the account immediately
Log into Mercury and note all account balances including checking, savings, and treasury accounts. If unauthorized access is a concern, change the password and review recent transactions.
Estimated time: Day 1
Review and freeze debit/virtual cards
Check Cards for active physical and virtual debit cards. Freeze any cards that could be misused while keeping essential business cards active for operations.
Estimated time: Day 1
Add an authorized team member
Go to Settings → Team and add a trusted person with appropriate permissions. Ensure someone can manage the account for business continuity.
Estimated time: Day 1-3
Review scheduled and recurring payments
Check for scheduled transfers, bill payments, and recurring transactions. These may include rent, payroll funding, vendor payments, and SaaS subscriptions. Decide which to continue.
Estimated time: Week 1
Export all statements and transaction history
Download all bank statements and complete transaction history. These records are essential for tax filings and estate settlement.
Estimated time: Week 1
Document Now Checklist
- Mercury login email and password
- Company name on account
- Account numbers (checking, savings, treasury)
- Authorized team members
- Active debit/virtual cards
- Approximate total balance across all accounts
Last verified: June 2026. Platform policies may change. Verify current procedures directly with Mercury. This guide is for informational purposes only and does not constitute legal advice.
Related Guides
Domain Names (GoDaddy, Namecheap, Cloudflare)
Domains expire on a specific date. If not renewed, they become publicly available and can be registered by anyone.
Shopify
If you have an active Shopify store, orders may continue coming in. Your executor needs access immediately to fulfill or refund.
GitHub
Transfer important private repositories to a trusted collaborator or organisation. Go to Repo Settings → Transfer.
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