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

2 min read Original article ↗

One subscription.Endless ways to optimize.

Banking that moves like software

Accounts that earn from day one

A competitive APY on savings, a managed portfolio, and automations to keep everything running.

Watch your savings account grow with 3.25% APY

Cover the cost of your subscription

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

Get 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.

How Mercury Personal stacks up

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

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

  • Included

    AI insights and automations

  • Included

    3.25% APY on savings accounts

  • Included

    One joint account

  • Included

    One trust account

  • Included

    Up to $5M FDIC insurance

  • Included

    Unlimited USD wires, ACH, and check payments

  • Included

    Debit cards with no foreign transaction fees

  • Included

    Reimbursed ATM fees worldwide

  • Included

    Additional accounts and debit cards for any use case

Frequently asked questions

Your money deserves better

It's time personal banking got an upgrade.