Mercury Personal

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.

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.

Mercury Personal lists Fintech. Mercury Technologies, Inc. is not a bank. Personal DDA at Choice Financial Group / Column N.A. under FDIC (partners) in United States. On safeguarding we currently write: 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.. Holder / issuer line: Choice Financial Group / Column N.A.. An AML programme is claimed. There is no IBAN-class local rail on the flags we store. We list 1 live markets on the product. As we score the sticker: monthly $240 per year — waived while you remain on an eligible Mercury business account; FX Not a travel specialist; ATM Debit ATM per network; interest Savings / treasury SKUs — rates move. This desk would open it for: US-incorporated founders who already run Mercury Business and want the personal sleeve in the same stack.

What it does well: Same named partners as Mercury Business; Honest $240/yr price; Waiver if you keep the business account. What to watch: Not a bank; Paid if you are not a Mercury business user; Synapse-era literacy still required. Desk score 7.0 / 10 (safety 7.4, fees 6.4, features 7.8, app 9.0). Last verified 2026-08-30. Headquartered in San Francisco, United States; founded 2025. None of this is advice — it is a file so you can read the entity before the card colour.