Mercury Personal combines checking and high-yield savings accounts with personal, joint, and revocable trust accounts under one login. The service also offers debit cards, payment and transfer features, account-sharing permissions, spending and cash-flow insights, and automations. Mercury says users can interact with Command using natural-language prompts, with approval required for actions, and can connect through CLI, MCP, or API. Investment access is also offered through the account. Mercury is a fintech platform; banking services are provided through partner banks.