Checking Account
The last checking account
you'll ever need.
No monthly fees. No minimum balance. No nonsense. Just a powerful account that works as hard as you do, with 45,000+ free ATMs and instant mobile deposits.
Checking Balance
$4,820.15
Recent transactions
Amazon
Today
-$43.99
Paycheck
Yesterday
+$2,200.00
Starbucks
2 days ago
-$6.75
→
Send
$
Pay Bills
📍
ATM
Everything included. Nothing hidden.
Every MercuryFinance checking account comes fully loaded — at zero cost.
Zero Fees — Forever
No monthly maintenance fee, no minimum balance fee, no overdraft fee on eligible purchases. $0 total.
45,000+ Free ATMs
Use any Allpoint or MoneyPass ATM nationwide for free. Plus we reimburse up to $10/month in third-party ATM fees.
Mobile Check Deposit
Snap a photo of any check and it's in your account within seconds — available all day, every day.
Instant Transfers
Send money to friends, family, or other accounts instantly via Zelle® — no fees, no delays.
Zero Fraud Liability
You'll never pay for unauthorized transactions. Our 24/7 fraud team watches every transaction.
Free Debit Card
A contactless Visa® debit card is mailed to you free. Virtual card number available immediately at account opening.
Joint Accounts
Add a partner, family member, or business partner as a joint account holder at any time, for free.
24/7 Customer Support
Reach a real human by phone, chat, or video call any time of day — weekdays, weekends, and holidays.
We charge $0. See how we compare.
Traditional banks charge $12–$25/month in fees. That's up to $300/year — for nothing.
| Fee Type | Big Banks | MercuryFinance |
|---|---|---|
| Monthly maintenance | $12–$25/mo | $0 |
| Minimum balance | $1,500 required | None |
| ATM fees | $2.50–$5 per use | $0 (45K+ free) |
| Overdraft fee | $35 per incident | $0 |
| Paper statements | $2–$5/mo | $0 |
| Debit card replacement | $5–$15 | $0 |
Open your checking account today
Takes 5 minutes. No credit check. No paperwork. Your debit card ships free.
Open Checking Account — $0