What is the best bank account for an AI startup?

The best bank account for an AI startup depends on your stage and needs.

For pre-revenue startups, Mercury offers fee-free checking with no minimum balance and integrates well with accounting tools. For funded startups spending heavily, Brex provides corporate cards with higher limits and no personal guarantee. For startups that want their AI tools to manage finances, Lovie's agent-native banking allows Claude or ChatGPT to handle bill pay, expense categorization, and cash management through the Model Context Protocol. Silicon Valley Bank (now part of First Citizens) remains popular for Series A and beyond due to its venture debt offerings. Rho suits startups needing treasury management and automated AP/AR. Choose based on whether you prioritize fee structure, AI integration, credit access, or treasury yield.