MERCURY

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The Mercury Personal
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Powerful personal banking for one all-inclusive subscription of $240/year.

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One subscription, endless ways to optimize your money

Earn competitive APY on savings (currently 4.25%)1

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

Get up to $5M FDIC insurance2

Your money is safe with expanded protection through our partner bank and their sweep network.

Make banking3 a breeze

Send no-fee domestic wires, set auto-transfer rules, drag-and-drop bills, and tackle tasks in no time.

Share access with anyone

Create multiple accounts for your family, team, and financial advisor with custom permissions.

Your financial operating system just got an upgrade

Transparent pricing

No hidden or monthly fees No hidden or monthly fees No hidden or monthly fees

Seamless payments

Make scheduled & recurring payments via ACH, wire, or check ACH, wire, or check

Custom approvals

User-level permissions and controls User-level permissions and controls User-level permissions and controls

Make every dollar do
more, without doing a thing

A competitive APY1 on your savings, powerful software, and protection for it all.

Watch your savings climb with 4.25% APY1

Cover the cost of your subscription

With just a $6K balance in your savings account, you’ll earn more than $240 annually at the current APY,1 covering the cost of your subscription.

Experience the confidence that comes with up to $5M in FDIC insurance2

20x

How much more protection you’ll unlock compared to the industry standard via our partner bank and their sweep network.

Make money moves without manual tasks

  • Create an account for every goal or expense
  • Set auto-transfer rules between accounts
  • Send no-fee domestic wires in seconds
  • Drag-and-drop bills to pay them in a click

Room for everyone in your life

A joint account for your shared finances

Manage your finances like a winning team with joint accounts for up to four account owners.

$240 annually, $0 in surprise fees

Fine-tune your finances without minimums or hidden fees with a single annual subscription.

4.25% APY1 on savings

Included

Up to $5M FDIC insurance2

Included

Unlimited no-fee domestic wires, ACH, and check payments

Included

Reimbursed ATM fees worldwide4

Included

Debit cards3 with no foreign transaction fees

Included

Multiple checking and savings accounts

Included

Additional users and debit cards3 for any use case

Included

Joint account

Included

Investment account

Coming soon

International wires

Coming soon

How Mercury Personal stacks up

The [Mercury] application process was easy and fast. It felt straightforward and nonsense-free. I didn’t feel that I had to be on the lookout for sneaky fees.

Jake Stein

Co-founder & CEO

Common Paper

SaaS

The [Mercury] application process was easy and fast. It felt straightforward and nonsense-free. I didn’t feel that I had to be on the lookout for sneaky fees.

Jake Stein

Co-founder & CEO

Common Paper

SaaS

The [Mercury] application process was easy and fast. It felt straightforward and nonsense-free. I didn’t feel that I had to be on the lookout for sneaky fees.

Jake Stein

Co-founder & CEO

Common Paper

SaaS

Frequently asked questions

You’ll need a U.S. company with a federal EIN, your company’s official formation documents, and a picture of your government ID (e.g., a passport or U.S. driver’s license).
Customers must have some type of existing or planned operations in the U.S. and a U.S. or international address for their principal place of business. This can be a residential address, but may not be a registered agent, PO box, or UPS box address. Our customer base includes startups and ecommerce companies, as well as venture capital firms with entities in the Cayman Islands, British Virgin Islands, and United Arab Emirates. Upon applying, we’ll review to ensure you have up-to-date formation documents and otherwise satisfy our onboarding requirements.
We cannot currently support accounts for businesses with founders or financial controllers living in the countries and regions listed here.
Mercury checking and savings deposits are FDIC-insured up to $5M3 through our partner banks and use of sweep networks. As a broader effort, we are working on expanding all coverage even further. You can learn more about FDIC insurance here.
Mercury works with two FDIC-insured banks, Choice Financial Group and Evolve Bank & Trust. You can locate your Mercury account’s banking provider by logging in and viewing the banking partner listed on your Mercury statements.
Through each of our partner banks, Mercury customers get access to a sweep network of trusted banks. This sweep network provides up to $5M in FDIC insurance by automatically spreading your deposits across up to 20 different banks, without requiring you to open and manage separate bank accounts.
Our Treasury* product is offered through an additional partner, Apex Clearing Corp, who is a FINRA-regulated broker-dealer. The mutual funds that you can invest in through Mercury Treasury are managed by Morgan Stanley and Vanguard.
Yes, we’re proud to support U.S. companies founded by people across the globe, as well as founders and venture capital firms with an entity based in the Cayman Islands, British Virgin Islands, and United Arab Emirates. Customers must have some type of existing or planned operations in the U.S. and a U.S. or international address for their principal place of business. This can be a residential address, but may not be a registered agent, PO box, or UPS box address.
We cannot currently support accounts for business with founders or financial controllers living in the countries and regions listed here.
We’d love to support residents of more countries over time, so let us know at hello@mercury.com if you live in one of the above countries and we’ll let you know if anything changes.
Mercury business banking is free to use. There are no account minimums, overdraft fees, monthly fees, or account opening fees. However, certain advanced features may incur fees. These include: making mass payments on our API, accessing Mercury Treasury account management, making non-USD business debit or credit card transactions, exchanging money in non-USD currencies, and sending USD internationally with optional premium processing.
Customers have the option to select a paid plan (starting at $35/month) for access to these advanced payment workflows, including more invoicing features, our enriched NetSuite automations, and reimbursing out-of-pocket expenses for more than 5 active users per month. Learn more about pricing here. 
If your business doesn’t need access to these advanced financial workflows quite yet, don’t worry. Our business checking and savings bank accounts are free for everyone. Anyone can send payments from their Mercury account without subscribing to a paid plan. When you’re ready, you can upgrade to access the advanced features at the price point that makes sense for your company and volume of business.

Join the waitlist

Spots in Mercury Personal are limited at launch. Sign up to add your name to the list and be one of the first to experience the future of personal banking.

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Disclaimers and footnotes

Mercury is a fintech company, not an FDIC-insured bank. Banking services provided by Choice Financial Group, Column N.A., and Evolve Bank & Trust, Members FDIC. Deposit insurance covers the failure of an insured bank.

  1. You must have an account with Mercury and meet deposit minimums to become eligible for IO.

  2. The IO Card is issued by Patriot Bank, Member FDIC, pursuant to a license from Mastercard. To receive cash back, your Mercury accounts must be open and in good standing, meaning they cannot be suspended, restricted, past due, or otherwise in default. Learn more about cashback.

  3. Mercury is a fintech company, not an FDIC-insured bank. Deposits in checking and savings accounts are held by our banking services partners, Choice Financial Group, Column N.A., and Evolve Bank & Trust; Members FDIC. Deposit insurance covers the failure of an insured bank. Checking and savings account deposits may be held by sweep network banks. Certain conditions must be satisfied for pass-through insurance to apply. Learn more here.

  4. Mercury Treasury, by Mercury Advisory, LLC, an SEC-registered investment adviser, seeks to earn net returns up to 4.65% annually on your idle cash. Net yield numbers as of 11/25/2024, and assumes total Mercury deposits of $20M+.

Treasury accounts are advised by Mercury Advisory LLC, an SEC-registered investment adviser (“Mercury Advisory”), and are custodied by Apex Clearing Corporation, a registered broker dealer and member FINRA / SIPC. Treasury accounts are not FDIC insured. For additional information about advisory services provided by Mercury Advisory, please refer to its ADV Wrap Fee B#rochure.

The performance discussed herein is historic and reflects an investment for a limited period of time. It should not be assumed that future investors would experience returns, if any, comparable to those illustrated herein. Past performance is not indicative of future returns. Investment results will fluctuate. Returns are not guaranteed. All investments are subject to the risk of loss, including the loss of principal. No representation is being made that an investment account has, will, or is likely to achieve profits or losses equal to the profits or losses shown. Actual returns will vary greatly and depend on personal and market conditions. Before investing, consider your financial goals and the costs of using the program.



Furthermore, the information set forth has been obtained from sources that the Firm believes to be reliable; however, these sources cannot be guaranteed as to their accuracy or completeness. The information contained herein is not, and should not be construed as, an offer to sell or the solicitation of an offer to buy any securities. The information has been prepared solely for the purpose of determining your level of interest in Mercury Treasury and to provide general background information on such algorithmic investment program.



This information contains certain “forward-looking statements,” which may be identified by the use of such words as “believe,” “expect,” “anticipate,” “should,” “planned,” “estimated,” “potential” and other similar terms.



Examples of forward-looking statements include, but are not limited to, estimates with respect to financial condition, results of operations, and success or lack of success of the depicted investment strategy. All are subject to various factors, including, but not limited to general and local economic conditions, changing levels of competition within certain industries and markets, changes in interest rates, changes in legislation or regulation, and other economic, competitive, governmental, regulatory and technological factors affecting operations that could cause actual results to differ materially from projected results.



Targeted returns (e.g., forward-looking statements of performance up to a stated return) reflects the returns that the Firm is seeking to achieve over a particular period of time. Projected returns reflect the Firm’s performance estimate – i.e., the returns that the Firm believes can be achieved using the advertised investment services. Target returns are presented to inform clients or potential clients about the Firm’s risk tolerances when managing the Mercury Treasury strategy and to provide information useful to a client or potential client when assessing how the Firm’s strategy fits within the investor’s overall portfolio. Target returns are not guarantees or promises of future return.



Mercury Treasury is not insured by the FDIC. Mercury Treasury are not deposits or other obligations of Choice Financial Group, Column N.A., or Evolve Bank & Trust, and are not guaranteed by Choice Financial Group, Column N.A., or Evolve Bank & Trust. Mercury Treasury products are subject to investment risks, including possible loss of the principal invested.