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What Is Mercury Personal?
Mercury Personal is banking built with the precision of good software – checking, high-yield savings, and investing in one account, with AI-driven insights on your spending and cash flow. It’s designed for people who want their personal finances to work with the same clarity as the tools they use to run their business.
Per Mercury’s own terms, the $240/year Personal subscription fee is waived for business customers who remain users on an eligible Mercury business account. This referral gets that fee waived for 2 years – a $480 value – once you sign up and qualify under Mercury’s stated eligibility.
This is a referral link to Mercury’s own signup – you create and control your own account directly with Mercury, not through Creator Toolkit.
What's Included?
- Mercury Personal - 2 years with the annual fee waived
- Multiple checking and high-yield savings accounts
- Additional users and debit cards
- AI insights and automations 3.25% APY on savings accounts
- Low-cost ETFs and Treasury funds
- Unlimited USD wires, ACH, and check payments
- Debit cards with no foreign transaction fees
- Reimbursed ATM fees worldwide
- One individual account, one joint account (up to 4 owners), and one revocable trust account
- Up to $5M in FDIC insurance (per Mercury's current terms - confirm on their site)
How Activation Works?
- Purchase using the button on this page to receive your referral link.
- Click the link and complete Mercury's own signup and application process.
- Your Personal subscription fee is waived for 2 years, per Mercury's stated eligibility for business customers on an eligible business account.
- Your account is entirely yours - opened, verified, and controlled directly with Mercury.
- If something doesn't work as expected during signup, message us and we'll help sort out what we can. Account-level issues are ultimately handled by Mercury directly, since it's their account and their verification process.
Important Before You Sign Up
- This fee waiver is tied to Mercury's own eligibility terms, which - per Mercury's stated language - apply to business customers who remain users on an eligible Mercury business account. Confirm your specific eligibility with Mercury directly during signup, as this determines whether the waiver applies and continues to apply.
- This is real banking and investing - not a software trial. Standard KYC (identity verification) and account opening requirements apply, set by Mercury and its banking partners.
- Investment products carry their own fees (0.10% annual advisory fee plus fund expense ratios) separate from the Personal subscription fee.
- Rates, insurance coverage limits, and fees shown here reflect what was provided to us and may have changed - always confirm current terms directly on Mercury's site before proceeding.
Frequently Asked Questions
Per Mercury's own stated terms, the Personal subscription fee waiver applies to business customers who remain users on an eligible Mercury business account. Confirm your specific situation with Mercury during signup, since eligibility is determined by Mercury, not by us.
The $240/year Personal subscription fee is what's waived under this offer for 2 years. If you choose to invest through your Mercury account, that carries its own separate 0.10% annual advisory fee plus standard fund expense ratios - those aren't part of the subscription fee and apply regardless of this referral.
Mercury is a fintech company, not a bank itself - banking services are provided through Choice Financial Group and Column N.A., both FDIC members. Confirm current insurance coverage details directly with Mercury, as these figures can change.
No. Each subscription redeems once per account. It doesn't stack - buying it again on an account that's already activated won't add a second year on top.
Per Mercury's stated terms, continued fee waiver depends on remaining an eligible business account user. Confirm with Mercury what happens at renewal based on your specific account status.
We provide the referral link that applies this offer when you sign up. The account itself, its verification, and its ongoing terms are entirely between you and Mercury.
Usually within a few hours of payment confirmation.
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Refund Policy
- Once a product has been successfully delivered, no refunds or returns can be applied for.
- If a product does not match its description or is not delivered within the stated time, you are eligible for a refund.
- Refund requests must be submitted within 24 hours of placing the order.
- Refunds are processed within 7 to 10 business days.
- Any bank fees or charges on a refund are borne by the buyer.
- Each product comes with its own activation instructions. These must be followed exactly - if a subscription fails to work because the provided instructions were not followed, that issue is not eligible for a refund.
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