Mercury Personal brings a radically different banking* experience to customers who want to do more with their money

Mercury, the fintech that provides radically different banking* for over 200,000 ambitious companies and individuals, today announced the general availability of Mercury Personal. The personal account offers features that allow builders and founders to manage money the way they want to: with shared access and customizable permissions, competitive high-yield savings and investments, and seamless money movement — all with one annual subscription. Mercury has now opened applications to U.S. residents 18 years and over seeking premium personal banking.

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Example shots of Mercury Personal interface.

“When we built Mercury, our goal was to help humans use money to build great things,” said Immad Akhund, co-founder and CEO of Mercury. “We started with businesses, but the ambition was always to help individuals, too. With Mercury Personal, we’re bringing the same radically different experience first designed for businesses to people who want to do more with their dollars. It’s banking that doesn’t just hold your money, but helps you accomplish everything you want with it.”

Mercury Personal marks Mercury’s expansion beyond business banking into the broader consumer market. Since introducing Mercury Personal as a limited beta last year, the product has gained traction with builders and founders, who, on average, have balances over $80,000—more than one-third higher than the average U.S. balances of about $60,000. Half of Mercury Personal customers also use Mercury for business banking, while the other half are entirely new customers.

Radically different banking, now for individuals.

Mercury Personal includes a set of capabilities rarely found in a single legacy consumer account. In one place, customers can collaborate, manage every dollar with precision, earn competitive yield, invest money intelligently, and move money automatically to the right place to support their goals and day-to-day lives.

• Grant specific access to people in your life. Share a fully joint account with your partner, or give customized access with permissions like view-only to your tax advisor.
• Earn a competitive yield with high-yield savings accounts. With no minimums, access an annual percentage yield** more than 5x higher than the national average of less than one percent on savings accounts.
• Invest directly from the Mercury dashboard with Mercury Invest.*** Create a portfolio tailored to specific goals and risk tolerance, using diversified, low-cost ETFs that track the U.S. stock market and Treasury bills. Keep more of what you earn with Treasury ETFs that are typically exempt from state and local taxes, including a 100% Treasury ETF (SGOV) portfolio currently yielding around 3.82% after fees. No app-hopping, no manual transfers, no complexity.
• Access $5M FDIC insurance or more based on eligibility. 20x+ the standard protection on deposit accounts through our partner banks and their sweep networks*. Legacy consumer bank accounts typically stop at $250K in FDIC coverage.
• Pay one subscription annually. Mercury Personal costs $240 per year, replacing the hidden-fee model of legacy banking with a simple, transparent subscription. The subscription includes no-fee domestic wires and ACH transfers, global ATM fee reimbursements, and a joint account with access for up to four people.
• Automate savings and cash flow. Customers can automatically put idle cash into a high-yield savings or investment account, while creating auto-transfer rules to keep enough money in checking to pay bills.
• Create multiple physical and virtual debit cards. Set specific spend limits and merchant locks – one card for your groceries, another for your personal assistant.

Mercury Personal is open now to U.S. residents 18 years and over. To apply, visit mercury.com/personal-banking.

About Mercury

Mercury offers radically different banking*. Unlike traditional banking that simply holds money, Mercury merges banking with software built for precision and speed to help ambitious companies and individuals accomplish everything they want with their money. With banking, credit cards†, and financial software, Mercury helps more than 200K ambitious companies and founders build great things. To learn more, visit Mercury.com.

*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 10/31/2025. 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.

*** Mercury Invest is offered by Mercury Advisory, LLC, an SEC-registered investment adviser. Mercury Advisory is a wholly-owned subsidiary of Mercury Technologies. This communication does not constitute an offer to sell or the solicitation to buy security. Funds in Mercury Investment accounts are subject to investment risks, including possible loss of the principal invested, and past performance is not indicative of future results. An annual advisory fee of 0.10% is charged monthly, calculated on investment assets. View our Customer Relationship Summary and other important information at mercury.com/legal. Mercury Invest is not insured by the FDIC. Funds in Mercury Invest are not deposits or other obligations of Choice Financial Group or Column N.A. and are not guaranteed by Choice Financial Group or Column N.A.

†The IO Card is issued by Patriot Bank, Member FDIC, pursuant to a license from Mastercard®. Eligible Mercury business customers can access the IO card on day one of opening a Mercury account, limitations apply. The IO card is not available for Mercury Personal accounts.

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