I’m excited to share that the tech-powered banking* experience loved by over 200K ambitious companies is no longer reserved just for business. With Mercury Personal, we’re able to offer powerful personal banking and software that allows you to optimize your personal financial strategy with ease. You can earn a competitive yield in your savings account (currently 4.25% APY),** send unlimited domestic wires and ACH payments for no additional cost, manage and plan your shared finances with your spouse or partner via a joint account, and invite additional users with custom permissions. Plus, you can rest assured that your money is protected with up to $5M in FDIC insurance through our partner bank and their sweep network.*** You get all this and more for one annual subscription of $240. *Mercury is a financial technology company, not a bank. Business banking services provided by Choice Financial Group, Column N.A., and Evolve Bank & Trust; Members FDIC. **Annual Percentage Yield (APY) is accurate as of 11/21/2024. This is a variable rate account. The interest rate and annual percentage yield may change at any time and without prior notice. ***Mercury is a fintech company, not an FDIC-insured bank. Deposits in personal checking and savings accounts are held by our banking services partner, Choice Financial Group; Member FDIC. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through insurance to apply. Learn more here.

I'm confused, isn't the product still behind a waitlist? Why not wait until it is GA before launching on PH?

One of my favorite fintech solutions on the market. 2 US LLCs hosted with Mercury. Highly recommended!

I'm probably biased (designer at Mercury) but I truly love using Mercury Personal. It's easy to move money around, target funds for savings at competitive rates, and the newly minted Joint Accounts make it even easier for my wife and I to access all our finances in one place.

Mercury is one of those rare products that makes you realize that literally every other product in the category is garbage. I know that sounds harsh, but think back to the iPhone introduction. It just made every stupid touchscreen phone and T9 flip phone look exactly as bad as they were. That's Mercury for banking. I use Mercury for two businesses, and I could write 1000 words about how much I love it, but I'll spare you. Now that they have joint personal accounts, it's only a matter of time before I move my personal accounts over. PS, I used to work in innovation / design consulting, and I've been telling banks to implement a percentage-based allocation/rule for 10 years. (Salaried bank employees just don't get why self-employed people with variable incomes have a hard time saving the correct amount for taxes.) When I saw that feature in Mercury I practically cried tears of joy. Congrats on the launch, @likuev , @jdsimcoe and team!

Mercury has been a game-changer for our company! Looking forward to use the personal accounts as well!

Is it basically a subscription to a tech company to offer banking service that we already get from our traditional banks?

amazing product that i'm a happy customer of

@likuev I have an idea for improvment consider adding tools for goal tracking, like savings targets or debt repayment plans.