Radically different personal banking

A smarter way to manage, move, and grow your money. A $240/year subscription — covered with a Mercury business account.

Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.
One subscription. Endless ways to optimize.

Earn 3.25% APY

on your savings
Never miss an opportunity to grow with high-yield savings accounts with no minimum balance.

20x your FDIC insurance

Access $5M FDIC insurance or more based on eligibility, through our partner banks and their sweep networks.

Invest with confidence

Put your money to work and keep more of what you earn with low-fee investments right in your account.

Collaborate and share

Share access with anyone with custom user permissions or create a joint account with your spouse or partner.

Build your tomorrow with the best of today’s technology

Bank without friction
See your balances, transactions, and earnings in one place — even toggle between your business and personal accounts.
Invest effortlessly
Maximize your money and minimize fees with a curated investment portfolio

Make every dollar do more, without doing a thing.

A competitive APY in your savings account, powerful software, and protection for it all.
Watch your savings account grow with 3.25% APY
Cover the cost of your subscription
With a balance of $7,500 in your savings account, you’ll earn more than $240 annually at the current APY, covering the cost of your subscription.

Multiply your money and simplify your investing strategy

  • Invest confidently with a diversified portfolio for a low advisory fee of 0.1%
  • Choose from your preferred mix of low-cost ETFs comprised of U.S. stocks and Treasury bills based on your goals and risk tolerance
  • Keep more of what you earn with a Treasury bill ETF, typically exempt from state and local tax
  • Your funds are always liquid so you can access your money when you need it

Experience the confidence that comes with up to $5M in FDIC insurance per account owner
20x
That’s how much more protection you’ll unlock compared to the industry standard via our partner banks and their sweep networks.

Make money moves without manual tasks

  • Create an account for every goal or expense
  • Enroll in direct deposit to get your paycheck early
  • Set auto-transfer rules between accounts
  • Send no-fee domestic and international USD wires in seconds
  • Drag-and-drop bills to pay them in a click

Room for everyone in your life

Create a joint account for your shared finances
One joint account for up to four account owners is included with your annual subscription.

Create cards for any user or use case

Issue debit cards with custom limits and permissions tailored to a user, designated budget, or a specific merchant.

Custom accounts for your family and team

Add additional users with custom permissions for your spouse, personal assistant, financial advisor, or anyone who needs access.

Approve or decline payments in a click

Allow users to send payments on your behalf — you set the limits and have the option to review before approving.

All yours for $240/year. Free alongside a business account.

One login. All your money moves. Included with eligible business accounts.

  • 3.25% APY on savings accounts
  • Up to $5M FDIC insurance through partner banks' sweep networks
  • Unlimited no-fee domestic wires, ACH, and check payments
  • Reimbursed ATM fees worldwide
  • Debit cards with no foreign transaction fees
  • Multiple checking and savings accounts
  • Additional accounts and debit cards for any use case
  • One joint account
  • Access to Invest
  • International wires in USD - Coming soon
  • Revocable trust accounts

    After years with a traditional bank, I decided to move my personal money to Mercury. It's made everything — even little things like auto-transfer rules and moving funds between accounts — so much better.
    Dwarkesh Patel
    Founder of Dwarkesh Podcast

Frequently asked questions

What does my subscription cover?

Your all-in-one $240 annual subscription fee covers everything your Mercury Personal account is capable of. And, as a business customer, a free subscription to Mercury Personal comes included.

Are my deposits FDIC-insured?

Deposits held in checking and savings accounts are FDIC-insured up to $5M per depositor, per insured bank, through our partner banks and their sweep networks, subject to certain requirements.

What are my options for investments?

You can invest in your desired mix of low-cost ETFs comprised of U.S. stocks and Treasury bills directly from your Mercury account.

Who can invest with Mercury Personal?

Invest is currently available for individual and joint account holders on Mercury Personal.

Are there fees associated for investing with Mercury Personal?

Yes. Mercury charges a 0.10% annual advisory fee, deducted monthly. The ETFs and Treasury funds you invest in also have standard expense ratios set by the issuers.

What do you do for account security?

Mercury makes security a top priority. Here are some measures we take to ensure your security:

  • Require HTTPS on all pages, and use HSTS to ensure browsers only ever connect to Mercury over a secure connection.
  • Employ a third party to perform penetration testing each year to check for vulnerabilities.
  • Hash and store all passwords with the bcrypt algorithm — never as plaintext.
  • Use time-based one-time passwords for two-factor authentication. We never send authentication codes via insecure channels like SMS.
  • Encrypt our database and all uploaded images, with additional encryption for sensitive data like social security numbers.
  • Never store your debit or credit card numbers.

How can I contact support?

Once logged into your Mercury Personal account, you can send a message to our support team any time. Plus, you can always get in touch with us via email at personal@mercury.com.

Your money deserves better

It's time personal banking got an upgrade.