Business accounts
Simplify your finances with powerful business banking*. Mercury’s business accounts allow you to efficiently manage your business’ banking and financial operations from a single dashboard.
Individual accounts
Individual Mercury Personal accounts are owned by a single individual account holder. Key characteristics include:
- Account in the account holder’s name
- Full control over funds
- Up to $5 million FDIC insurance** coverage
- Payments must be sent and received in the name of the account holder
These accounts are ideal for personal finances.
Joint accounts
Joint Mercury Personal accounts are co-owned by two or more individual account holders. They offer:
- Account in all account holder’s names
- The ability to receive payments in the name of any account holder
- Increased FDIC insurance (up to $5 million** per account holder)
- Automatic transfer to surviving account holders upon death
Joint accounts are common for couples or situations where it’s advantageous to have shared finances.
*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
** 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.