Mercury Treasury sweeps eligible balances into money market funds, all from inside Mercury’s business-banking platform. RMO Treasury is full bank treasury with sweep plus the broader module lineup. Here’s how they compare.
Mercury Treasury solves yield. RMO Treasury solves yield, fraud, reconciliation, and origination — together.
MMF yield depends on the underlying fund and current rate environment. Read fund prospectuses for fees, exposure, and historical yield.
RMO Treasury vs. Mercury Treasury on module breadth and operational scope.
| Feature | RMO Treasury | Mercury Treasury |
|---|---|---|
| Sweep to MMF | Yes | Yes — the headline product |
| ACH origination | Yes | Limited — via Mercury checking |
| Positive pay | Yes | Not offered |
| Lockbox | Yes | Not offered |
| Wire origination | Yes | Yes — via Mercury |
| FX wire and currency | Available | Limited |
| Banker relationship | Yes — dedicated specialist | Self-serve platform |
| Entitlement controls | Granular — bank-grade | Standard role-based access |
| BAI2 / MT940 reporting | Yes | API-driven export |
| Best fit for | Growing SMB to mid-market with real treasury operations | Startups with single bank account who want yield without leaving the app |
Mercury Treasury is built into Mercury’s checking platform. RMO Treasury is a full bank treasury suite. See product documentation for current module availability and pricing.
If your treasury need is “earn yield on idle cash,” Mercury Treasury is elegant. If your treasury need is “earn yield, control fraud, automate AR/AP,” you need a full bank treasury suite.
Meet with an RMO treasury specialist to map current cash flow, exposure, and reconciliation needs.
Layer the modules you need — sweep to MMF, ACH origination, positive pay, lockbox, FX, reporting.
Integrate with your ERP, set entitlements, and run side-by-side with your incumbent bank during transition.
Yes — many businesses route specific cash flows to specific banks. Talk to an RMO Treasury specialist about a hybrid setup if that fits.
Yields depend on the underlying MMF and rate environment, not the platform delivering them. The decision should hinge on what else you need beyond yield.
Yes — RMO Treasury supports ACH origination at SMB and mid-market volume. Volume tier and risk profile shape your origination limits.
Treasury onboarding involves entitlement setup, account agreements, and (for some modules) testing. Most simple setups complete in 2-4 weeks; complex multi-module setups take longer.
RMO Treasury supports FX wires and select currency accounts. For cross-border-payment-heavy operations, scope the use case with a specialist.
Guides, plans, and more RMO comparisons to help you decide with confidence.
Get a treasury map of your current cash flow and reconciliation pain points — we’ll show you what modules would actually help.
