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%)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 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
Make every dollar do more, without doing a thing
and protection for it all.
Experience the confidence that comes with up to $5M in FDIC insurance2 per account owner
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
- Included4.00% APY1 on savings
- IncludedUp to $5M FDIC insurance2
- IncludedUnlimited no-fee domestic wires, ACH, and check payments
- IncludedReimbursed ATM fees worldwide4
- IncludedDebit cards3 with no foreign transaction fees
- IncludedMultiple checking and savings accounts
- IncludedAdditional users and debit cards3 for any use case
- IncludedJoint account
- Coming soonInvestment account
- Coming soonInternational wires
How Mercury Personal stacks up
Frequently asked questions
- 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.