You can connect credit cards from other banks to Mercury Personal, see their balances, limits, and transactions in one place, and ask Command, your Mercury agent, questions about your spending across your connected cards.
This article covers how to:
- Connect cards from other banks. See each card's balance, limit, and recent transactions under Linked Accounts.
- Ask Command about your spending. Get a visual answer based on your actual transactions, such as your top merchants or how this month compares with last month.
- Start from a suggested prompt. Command shows prompts you can tap once you're ready to ask.
Note: This feature is available for Mercury Personal.
Connect a credit card
You can connect a card from Command or from Linked Accounts.
- Open Command (>_) and choose the suggestion to connect an account, or ask: "Help me add a credit card from another bank." You can also select Link account from your Accounts page.
- Search for your bank and sign in through the secure connection window. Mercury uses Plaid to connect your accounts.
- Select the card you want to connect.
- Wait for your transactions to load. They may take a few minutes to appear after you add a card.
Once the card is connected, it appears under Linked Accounts and Command can answer questions about it.
View your linked cards and transactions
Linked checking, savings, and credit card accounts appear together under Linked Accounts. Expand a card to see:
- Balance and limit: your current balance and your credit limit.
- Last updated: the date your balance and transactions were last pulled from your bank.
- Transactions: merchant, date, amount, and whether each one is pending or posted.
Ask Command about your spending
Open Command and ask a question in your own words, or tap a suggested prompt. Command answers with a short takeaway and a chart, plus supporting transactions where they help. Here are some questions to start with:
| Ask | What you get |
| "What are my top five merchants across my linked credit cards? Show the transactions behind it." | A ranked chart of merchants and up to five representative transactions |
| "Am I spending more than usual this month? Compare to the same point last month and tell me what changed." | Weekly lines for this month and last month, with a takeaway on the difference |
| "Which of my linked credit cards am I using the most over the last 30 days?" | A bar chart comparing spending by card |
| "Did I pay off more than I spent on my linked credit cards over the last 60 days?" | Weekly purchases as money out and payments or refunds as money in |
Joint accounts and team access
Linked accounts belong to your Mercury organization, not to the person who connected them.
- For joint Mercury Personal accounts, both owners and full admins see the same list of linked accounts and transactions, including accounts the other owner connected.
- Linked accounts can show Linked by with the name of the person who connected them. Older connections may not show a name.
- Team members with restricted access only see the accounts they're authorized to access.
- Command follows the same access. It can answer questions about any linked account you can see.
Manage your linked accounts
- Reconnect: if a connection goes stale, Mercury prompts you to sign in to your bank again to refresh it.
- Rename: give a linked account a name that's easy to recognize.
- Unlink: remove a linked account you no longer want in Mercury.
Good to know
- Transactions can take a few minutes to appear after you add a card.
- Command is not a financial advisor. It answers questions about your spending and doesn't give financial advice.
- AI-generated responses may vary and aren't guaranteed. Review outputs before you take action.
- Category breakdowns are estimates. Command infers broad categories, such as travel, shopping, and dining, from merchant names.
- Command looks at spending. It uses the transactions from the cards you've connected and the data your bank shares.
Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.
AI-generated responses and suggested actions may vary and are not guaranteed. Please review outputs before taking action.