Personal Banking | Smarter Checking & High-Yield Savings | Mercury

2 min read Original article ↗

One subscription.Endless ways to optimize.

Build your tomorrow with the best of today’s technology

Make every dollar do more, without doing a thing.

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

Watch your savings account grow with 3.25% APY

Cover the cost of your subscription

With a balance of $7,500 in your savings account, you’ll earn more than $240 annually at the current APY, covering the cost of your subscription.

Multiply your money and simplify your investing strategy

  • Invest confidently with a diversified portfolio for a low advisory fee of 0.1%

  • Choose from your preferred mix of low-cost ETFs comprised of U.S. stocks and Treasury bills based on your goals and risk tolerance

  • Keep more of what you earn with a Treasury bill ETF, typically exempt from state and local tax

  • Your funds are always liquid so you can access your money when you need it

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

20x

That’s how much more protection you’ll unlock compared to the industry standard via our partner banks and their sweep networks.

Make money moves without manual tasks

  • Create an account for every goal or expense

  • Enroll in direct deposit to get your paycheck early

  • Set auto-transfer rules between accounts

  • Send no-fee domestic and international USD wires in seconds

  • Drag-and-drop bills to pay them in a click

Room for everyone in your life

Create a joint account for your shared finances

One joint account for up to four account owners is included with your annual subscription.

All yours for $240/year.Free alongside a business account.

One login. All your money moves. Included with eligible business accounts.

  • Included

    3.25% APY on savings accounts

  • Included

    Up to $5M FDIC insurance through partner banks' sweep networks

  • Included

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

  • Included

    Reimbursed ATM fees worldwide

  • Included

    Debit cards with no foreign transaction fees

  • Included

    Multiple checking and savings accounts

  • Included

    Additional accounts and debit cards for any use case

  • Included

    One joint account

  • Included

    International wires in USD

  • Coming soon

    Revocable trust accounts

Frequently asked questions

Your money deserves better

It's time personal banking got an upgrade.