Mercury for Personal Disclosures

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

Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. FDIC deposit insurance covers the failure of an insured bank. Deposits in checking and savings accounts are FDIC-insured through Choice Financial Group and Column N.A. and their Sweep Program Network Banks. Certain conditions must be satisfied for pass-through FDIC insurance to apply. Learn more here.

Annual Percentage Yield (APY) is accurate as of 12/17/2025. This is a variable rate account. The interest rate and annual percentage yield may change at any time and without prior notice. Fees may reduce earnings.

The Mercury Debit Cards are issued by Choice Financial Group and Column N.A., Members FDIC, pursuant to licenses from Mastercard®.

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.

Eligible transactions for two-day early pay are ACH credit transactions from a known payroll provider. Early deposit is a service available only to customers with a Mercury Personal Checking account provided by Choice Financial Group, Member FDIC. This feature is not supported for accounts held through Column N.A. When eligible, we may credit your 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.

Eligible Mercury Business users who apply for and maintain a Mercury Personal account may have their Mercury Personal subscription fee waived provided they remain a user on an active Mercury Business account in good standing. Standard Mercury Platform Subscription fees will apply if they no longer meet eligibility requirements, including but not limited to no longer being associated with an eligible Mercury Business account, or if the program is modified or terminated. Mercury may modify or discontinue this offering at any time and will provide notice as required by law. See Subscription TermsOpens in new tab for full details.