Your money.
Working harder.
Open a free checking account in 5 minutes. Earn 4.85% APY on savings, build credit, send money worldwide, and invest — all from one app.
2M+
Customers Worldwide
$50B+
Assets Under Management
190+
Countries Served
45,000+
Free ATMs
Banking Without Boundaries
Open a free checking account in minutes. No fees, no minimums, no surprises — just seamless banking built around your life.
- No monthly fees — ever
- 45,000+ surcharge-free ATMs
- Instant mobile check deposits
- Early direct deposit access
$0
Monthly Fees
No monthly fees — ever
45,000+ surcharge-free ATMs
Instant mobile check deposits
Savings & CDs
How your savings
grow with us
Our High-Yield Savings Account earns 4.85% APY — over 12× the national average. Your interest compounds daily, meaning you earn interest on your interest, accelerating your growth automatically.
What is APY?
Annual Percentage Yield accounts for compounding. 4.85% APY means a $10,000 deposit grows to $10,496.77 in one year — compounded daily.
Daily Compounding
Interest is calculated every single day on your growing balance, not just monthly. This quietly adds up to hundreds more over a year.
Certificates of Deposit (CDs)
Lock in a guaranteed rate for 3, 6, 12, or 24 months. MercuryFinance CDs currently offer up to 5.20% APY — perfect for money you won't need immediately.
FDIC Insured
Every dollar in your savings is federally insured up to $250,000 per depositor. Your money is completely safe — even if the market falls.
Savings Calculator
Watch your money grow
Estimated balance in 5 years
$46,821
+$6,821 in interest earned
12-Month CD Rate
5.20%
APY — Guaranteed
MercuryFinance Rewards Card
MercuryFinance
•••• •••• •••• 4291
CARDHOLDER
ALEX JOHNSON
EXPIRES
09/29
Cash Back
3%
Groceries & Gas
This Month
$84
Rewards earned
Credit Score
762
Excellent
Credit Cards
How MercuryFinance
credit cards work
Every purchase earns rewards. Every on-time payment builds your credit score. Our card is designed to reward responsible spending — with no annual fee.
Earn Cash Back Automatically
3% on groceries, gas, and dining. 1.5% on all other purchases. Rewards are credited to your account monthly — no activation required.
Build Credit the Smart Way
We report your on-time payments to Experian, Equifax, and TransUnion. Pay your balance in full each month to maximize your score increase.
Zero Fraud Liability
If your card is ever used without your permission, you pay $0. Our 24/7 fraud team monitors every transaction and alerts you instantly.
Tap to Pay & Virtual Cards
Use Apple Pay, Google Pay, or a virtual card number for secure online shopping. Freeze or unfreeze your card instantly from the app.
Wealth Management
Grow and protect
your wealth
From your first investment to retirement planning, our licensed advisors and Merrill-powered platform give you the tools and guidance to build lasting wealth.
Stocks & ETFs
Commission-free
Managed Portfolios
Auto-rebalancing
Retirement (IRA)
$0 to open
Private Banking
$250K+ clients
Portfolio Value
$128,450
+$14,230 this year (+12.4%)
Merrill Lynch advisor review scheduled for June 2
Security First
Bank-grade protection,
every second of the day
Your security is our highest priority. Multiple layers of protection keep your money and data safe around the clock.
256-bit Encryption
Every connection to MercuryFinance uses the same encryption standard trusted by governments and militaries worldwide.
Biometric Login
Face ID and fingerprint unlock mean only you can access your account — even if your password is stolen.
Real-Time Alerts
Instant push notifications for every transaction, login attempt, and account change. Nothing slips by unnoticed.
FDIC Insured
All deposits are protected up to $250,000 per depositor by the Federal Deposit Insurance Corporation.
24/7 Fraud Monitoring
Our AI system flags unusual activity and pauses suspicious transactions before they go through.
SOC 2 Type II Certified
Independently audited security controls. We meet the strictest standards for data protection and availability.
Trusted by 2 million people
Real customers. Real results. Here's what people are saying about MercuryFinance.
Switching to MercuryFinance was the best financial decision I've made this year. My savings went from 0.01% at my old bank to 4.85% APY. I've earned over $900 in interest in just 8 months.
+$900
interest earned in 8 months
Priya M.
Small Business Owner · Austin, TX
The rewards card is a game-changer. I put all my spending on it and pay in full every month — 3% back on groceries and gas. Over $1,200 cash back last year. Zero fees, zero hassle.
+$1,200
cash back rewards in 2024
James T.
Software Engineer · Chicago, IL
Better Money Habits made investing actually make sense to me. My advisor helped me open an IRA and automate contributions. I went from zero investments to a growing retirement fund.
15 min
to open her IRA & start investing
Maria L.
Nurse Practitioner · Miami, FL
Better Money Habits®
Free financial education — built into your bank
Access hundreds of free articles, videos, calculators, and personalized tips. From first budgets to retirement planning — we help you learn at every stage.
How to build an emergency fund in 6 months
Understanding your credit score: a complete guide
Renting vs. buying: what makes sense for you?
Index funds vs. actively managed funds
FAQ
Common questions
Ready to bank smarter?
Join 2 million people who have already made the switch. No paperwork. No branch visits. Open your account in 5 minutes.
FDIC Insured · No credit check to open · 256-bit SSL Encryption