Mercury is a financial technology company, not a bank. Banking services provided by Choice Financial Group; Member FDIC.
One subscription, endless ways to optimize your money
Earn competitive APY on savings (currently 4.00%)
Never miss an opportunity to grow with high-yield savings accounts with no minimum balance.
Your money is safe with expanded protection through our partner bank and their sweep network.
Make banking a breeze
Send no-fee domestic wires, set auto-transfer rules, drag-and-drop bills, and tackle tasks in no time.
Manage your finances, together
Share access with anyone with custom user permissions or create a joint account with your spouse or partner.
Your financial operating system just got an upgrade
1 / 3
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.
- IncludedUnlimited no-fee domestic wires, ACH, and check payments
- IncludedMultiple checking and savings accounts
- IncludedJoint account
- Coming soonInvestment account
- Coming soonInternational wires
How Mercury Personal stacks up
Mercury Personal is so different from the traditional alternatives — it’s in a class of its own. It’s fast and easy to send wires for investments, the APY I earn is fantastic, and I’ve enjoyed the granular permissions for giving a loved one access to the account.
Rajiv Ayyangar
CEO
Product Hunt
Content
Mercury Personal has already seamlessly integrated into my life. It is nothing short of revolutionary for consumer accounts, which have long felt disconnected from the tech sector’s pace and innovation. It has the seemingly simple and magical features that have always set Mercury above the rest.
Shane Mac
Co-founder & CEO
XMTP
Web3
Huge fan of Mercury Personal. Top-notch user interface. Unlimited wires. Reimbursed ATM fees. Plus, a high-yield savings account. It’s the account I’ve been dreaming of for my personal finances.
Ethan Bloch
Founder & CEO
Digit
Fintech
Mercury is the new gold standard for personal accounts. I love that wire payments are included and I can create interest-bearing sub-accounts to set money aside for capital calls, taxes, etc. The experience is already beyond any other product out there — and it’s only getting better!
Jake Zeller
Founder
Powerset
Venture capital
1 / 4
Frequently asked questions
To ensure the best possible experience, space in Mercury Personal is limited at launch. Once you submit your details our team will review and be in touch with you via email.
Your all-in-one $240 annual subscription fee covers everything your Mercury Personal account is capable of. This includes one individual account and one joint account with up to four account owners. It also comes with multiple checking and high-yield savings accounts and additional users and debit cards for any use case. There’s no limit to payments, domestic wires, transfers between accounts, or ATM withdrawals, and no foreign transaction fees.
Mercury checking and savings deposits are FDIC-insured up to $5M through our partner bank and their sweep network. We are working to expand all coverage even further in the future. You can learn more about FDIC insurance here.
You’ll need a SSN and a U.S. residential address to apply. We may also ask for a copy of a government-issued ID.
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.
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 [email protected].
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.