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Partner banks

We maintain direct relationships with three banks. Opening an account is streamlined — we send a pre-built packet (Articles, Operating Agreement, EIN letter, beneficial ownership info) in one submission.

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Mercury

Best for: Software-first operations, API-driven disbursement, treasury yield on idle balances.
  • 1–3 business day approval
  • Full API access for programmatic disbursement
  • Supports DAO LLCs explicitly
  • FDIC insured up to $5M via network

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Relay

Best for: Multi-user team access, subaccount mapping (1:1 with Orgs treasuries).
  • 1–3 business day approval
  • Granular access controls per team member
  • Subaccounts work like Orgs treasuries — spending rules can mirror
  • FDIC insured

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Meow

Best for: Idle balances (>$50K). Treasury yield via Meow’s product.
  • 3–5 business day approval
  • Higher minimum opening balance
  • Treasury yield product
  • Rev-share with Orgs customers

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Third-party banks

Any Wyoming bank will open an account for a properly-documented DAO LLC. First Interstate, Jonah Bank of Wyoming, and Rocky Mountain Bank have all approved Orgs-formed entities.

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Documentation

For any bank, you need:
  • Certified Articles of Organization (Wyoming SOS seal)
  • Operating Agreement, signed by all members
  • EIN letter from IRS
  • Beneficial Ownership Information (BOI) report
  • Government ID for each beneficial owner
Our formation bundle PDF contains all of these. Present it at account opening.

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Programmatic disbursement

For Mercury and Relay, Orgs has direct API integrations. Disbursements flow from approved proposal to cleared transfer without human intervention (assuming policy checks pass). 
const receipt = await orgs.treasury.disburse({
  entity: "helios-research",
  proposalId: "prop-2026-04-12-0031",
  bank: "mercury",
  accountId: "mercury-acc-xxx",
  amountUsd: 12500,
  recipient: "aws-bedrock",
});
// Returns: transfer ID, expected clearing time, confirmation hash

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Bank disclosure to IRS

Banks automatically report certain transactions to the IRS:
  • CTR (Currency Transaction Report) — filed for cash transactions ≥ $10,000
  • SAR (Suspicious Activity Report) — filed at the bank’s discretion
  • Form 1099-K — reports gross receipts for merchants
These are filed by the bank, not by you. You receive copies; they appear in your entity inbox via the registered-agent pipeline.