Mercury Treasury manages cash inside Mercury accounts. TreasuryFlow consolidates cash across every bank you have — including Mercury — and gives CFOs a daily multi-bank cash position with 13-week forecasting and Excel-native delivery.
| Feature | TreasuryFlow | Mercury Treasury |
|---|---|---|
| Pricing | $399/mo flat | Free with Mercury account |
| Multi-Bank Coverage | Every US bank (12,000+) via Plaid | Mercury accounts only |
| Includes Mercury? | Yes — Mercury is one of many | Yes (it's Mercury's product) |
| Includes Chase / BofA / Wells / Regionals? | Yes — full transaction history | No |
| Consolidated Cash Position | Yes — across all banks | Mercury-only |
| 13-Week Cash Forecast | 13/26/52-week with confidence bands | Not a forecast tool |
| AI Categorization | Gemini AI on every transaction | Mercury-account-only |
| AI Treasury Assistant | Natural-language across all banks | Mercury IO (Mercury-scoped) |
| Yield on Idle Cash | Surfaces idle cash; sweep to your existing MMF/T-bills | Direct yield in Mercury Treasury |
| FDIC Sweep | Via your bank's existing program | Up to $5M via Mercury sweep |
| Native Excel Add-in | Yes | No |
| Google Sheets Add-on | Yes | No |
| QuickBooks Bidirectional Sync | Yes | QuickBooks read-only sync |
| Multi-Entity Reporting | Reporting Groups (up to 20) | Mercury supports 25 sub-accounts |
| Cash Health Score | 0–100 score, shareable link | No |
| Daily Digest Email | 7am ET auto-briefing across all banks | Mercury-only alerts |
| Setup Time | Under 1 hour | Under 1 hour (Mercury signup) |
| Best For | CFOs with multiple bank relationships | Mercury-only startups, simple stacks |
Competitor features last verified April 2026. Report an inaccuracy.
Operating account at Mercury, payroll at Wells, MMF at Fidelity, regional bank for the credit line — that's the modal mid-market stack. Mercury Treasury can only show you one of those four. TreasuryFlow shows all four.
Mercury IO is great inside Mercury — drafting payments, querying transactions, summarizing your account. It is not a 13-week forecasting tool with confidence bands and scenario modeling. TreasuryFlow is.
CFO reporting and board decks live in Excel. TreasuryFlow's Excel Add-in pulls live multi-bank data into your existing workbooks. Mercury reporting lives in the Mercury web app.
Mercury is excellent for startups and growth-stage operating accounts — slick UX, fast wire times, FDIC sweep, Mercury Treasury yield. TreasuryFlow doesn't replace any of that; we sit on top, consolidating Mercury alongside your other banks for daily CFO visibility.
Mercury sub-accounts work for simple structures. For PE-backed roll-ups, multi-entity holdcos, family offices, or multi-property real estate, TreasuryFlow's Reporting Groups give you parent-child rollups across distinct legal entities and bank relationships.
Fractional CFOs running 6–12 clients can't standardize all clients on Mercury. TreasuryFlow connects whatever the client uses — Mercury, Chase, BofA, regional — and gives the fractional CFO one workstation to manage all clients consistently.
Connect Mercury alongside every other bank you use. One consolidated cash position. One 13-week forecast.
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