United States
activeFeaturedBusiness banking
- HQ
- San Francisco
- Fee
- Free core operations
Mercury Personal
US founder checking. $240/yr or free with a Mercury business account. Choice / Column FDIC pass-through. Not a bank.
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7.0Solid
AlternativesFive questions
At a glance
Is it a bank?
No. Mercury Personal is not a bank. The money sits with Choice Financial Group / Column N.A..
If it fails?
FDIC pass-through at Choice Financial Group and Column N.A., Members FDIC, and sweep-network banks — up to $250,000 per depositor per bank, with a $5M sweep pitch if eligibility holds. Mercury is not FDIC-insured. Confirm the live partner list.
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
$240 per year — waived while you remain on an eligible Mercury business account
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
7.0
/10 · Solid
Mercury Personal launched December 2025. Mercury Technologies is not a bank. Checking and savings sit at Choice Financial Group and Column N.A., Members FDIC, with a sweep pitch up to $5m if eligibility holds. The SKU is $240 a year, waived while you remain on an eligible Mercury business account. This is a founder product, not a mass-market current account. Ally, SoFi and Varo remain the US salary banks. The business Mercury file is the other slug — do not merge them.
What it is
Same company as Mercury Business, different SKU. Directories will file one Mercury. This desk files two. Personal is the December 2025 add-on. Partners are the safety section, same as the company account.
Best for: US-incorporated founders who already run Mercury Business and want the personal sleeve in the same stack.
Last checked 2026-08-30. Not advice.
What it does well
- +Same named partners as Mercury Business
- +Honest $240/yr price
- +Waiver if you keep the business account
- +Not a mystery BaaS
What to watch
- −Not a bank
- −Paid if you are not a Mercury business user
- −Synapse-era literacy still required
- −Not Ally for a non-founder salary
Who holds the money
The account
- Platforms
- Web · iOS
- Account types
- Personal checking · savings
- Partner bank
- Choice Financial Group · Column N.A.
- Minimum balance
- $0
- Lowest monthly fee
- $240/yr — waived with eligible Mercury Business
- Who can open
- US persons (founder SKU)
- Availability
- United States
How money actually moves
- Who holds the cash
- Current account at a partner bank
- How money moves
- ACH / USD
- Built for
- Personal · Freelancer
- Settlement
- App-ledger instant; bank rails per corridor
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- Mercury Personal lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
FDIC pass-through at Choice Financial Group and Column N.A., Members FDIC, and sweep-network banks — up to $250,000 per depositor per bank, with a $5M sweep pitch if eligibility holds. Mercury is not FDIC-insured. Confirm the live partner list.
Who holds the money: Choice Financial Group / Column N.A.
- FDIC (partners)Fintech. Mercury Technologies, Inc. is not a bank. Personal DDA at Choice Financial Group / Column N.A. · United States
Fees
- Monthly
- $240 per year — waived while you remain on an eligible Mercury business account
- FX markup
- Not a travel specialist
- ATM
- Debit ATM per network
- Interest
- Savings / treasury SKUs — rates move
Features
- –IBAN
- –Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- USD personal checking
- FDIC via Choice / Column
- $240/yr or bundled free
- Founder SKU
- Not the business account
Score
- Safety25%
- 7.4
- Fees20%
- 6.4
- Features15%
- 7.8
- App15%
- 9.0
- Global15%
- 4.0
- Support10%
- 7.0
Change log
Full logProduct
Mercury Personal launched — $240/yr or bundled free
Choice / Column FDIC pass-through. Not a bank. Separate slug from Mercury Business.
Available in
Straight answers
FAQ
01Is Mercury Personal a bank?
Mercury Personal is not a licensed deposit-taker in the classic sense. Money, if any, sits with Choice Financial Group / Column N.A..
02How is money protected?
FDIC pass-through at Choice Financial Group and Column N.A., Members FDIC, and sweep-network banks — up to $250,000 per depositor per bank, with a $5M sweep pitch if eligibility holds. Mercury is not FDIC-insured. Confirm the live partner list.
03Where is Mercury Personal available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with Mercury Personal.
04Card and wallets?
Mercury Personal lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open Mercury Personal remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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