Mercury logoThe logo for Mercury, featuring a circular emblem with abstract, interconnected swirling lines on the left, and the word "MERCURY" in clean, uppercase letters to the right.
mobile phone with personal banking dashboard

The Mercury Personal waitlist is open

Experience powerful personal banking1 and earn 4.00% APY2 on your savings for one all-inclusive subscription of $240/year.
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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%)2

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

Get up to $5M FDIC insurance1

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.

Get access to your paycheck faster3

Thanks to faster direct deposit, payday can now arrive up to two days sooner.

Investment accounts coming soon4

Effortless investing is around the corner with portfolios tailored to your goals.

Your financial operating system just got an upgrade

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Make every dollar do more, without doing a thing

A competitive APY2 in your savings account, powerful software,
and protection for it all.

Watch your savings account grow with 4.00% APY2

Cover the cost of your subscription

With just a $6.5K balance in your savings account, you’ll earn more than $240 annually at the current APY,2 covering the cost of your subscription.

Experience the confidence that comes with up to $5M in FDIC insurance1 per account owner

20x

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

Bar graph showing the difference between the industry standard of 250K FDIC insurance, and Mercury's expanded FDIC insurance of 5M.

Make money moves without manual tasks

  • Create an account for every goal or expense
  • Enroll in direct deposit to get your paycheck early3
  • 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

joint accounts

A joint account for your shared finances

Manage your finances like a winning team with joint accounts1 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.
  • Included
    4.00% APY2 on savings
  • Included
    Up to $5M FDIC insurance1
  • Included
    Unlimited no-fee domestic wires, ACH, and check payments
  • Included
    Reimbursed ATM fees worldwide6
  • Included
    Debit cards5 with no foreign transaction fees
  • Included
    Multiple checking and savings accounts
  • Included
    Additional users and debit cards5 for any use case
  • Included
    Joint account
  • Coming soon
    Investment account
  • Coming soon
    International 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

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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 $5M1 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.
Learn more on our Security page.

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.

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.1
Redeem Invite

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. Mercury is a fintech company, not an FDIC-insured bank. Deposits in checking and savings accounts are held by our banking services partner, Choice Financial Group; Member FDIC. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through insurance to apply. Learn more here.

  2. Annual Percentage Yield (APY) is accurate as of . This is a variable rate account. The interest rate and annual percentage yield may change at any time and without prior notice.

  3. Eligible transactions for two-day early pay are ACH credit transactions from a known payroll provider. direct deposit is a service that comes with your Chase Secure Checking account in which we credit your eligible direct deposit transaction up to two business days early. You must set up direct deposit to your account. The timing of when these transactions will be credited is based on when the payer submits the information to us and is not guaranteed.

  4. Mercury Investment accounts are offered by Mercury Advisory, LLC, an SEC-registered investment adviser exclusively to Mercury Personal customers with an active subscription. Mercury Advisory is a wholly owned subsidiary of Mercury Technologies, Inc.


    This is not an offer to sell or a solicitation to buy any security. Investments involve risk, including possible loss of principal. Past performance does not guarantee future results.


    Investment accounts are not FDIC insured and are not deposits or obligations of, or guaranteed by, Choice Financial Group.


    See full disclosures at mercury.com/legal.

  5. The Mercury Debit Cards are issued by Choice Financial Group, Member FDIC, pursuant to licenses from Mastercard.

  6. Mercury will reimburse you for all third-party ATM fees charged to your Account by crediting the respective amount to your Account within three (3) business days.