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Can confirm. I've been using Mercury for three years now for my LLC. Everything is just so smooth.
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> I’m convinced the only reason people don’t use Mercury is that they don’t know what they’re missing.

Very well could be true because I had no idea who or what they are.

Do they have strong low level automation support for the customer programmatically even for personal accounts? I use ledger for plaintext accounting for both personal and business and sync of data is slightly annoying, perhaps Mercury’s products solve that trivially?

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I run a small business books using mercury and beancount. The API supports enough operations in the free tier to do so with ease, though mostly I’m just fetching transactions. I do pay the ~35USD / mo for the extended API to get invoicing, though that’s not something a personal user would need
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> I use ledger for plaintext accounting for both personal and business and sync of data is slightly annoying..

I made this to solve it https://sras.me/accounts/

Feel free to use it as it stores data on your browser's local storage only. For syncing between devices, you would be able to use Google firebase's free tier and export your accounts (after compressing and encrypting) there and import from another device. Let me know if you want to try it..

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> I’ve been able to wire transfer money without having to worry it might disappear

I thought that was the whole point of banks - does money randomly disappear when people do wire transfers?

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I badly want to try out Mercury, in fact I have an account already, but they don't yet support Zelle. I really hope their national bank charter application gets approved. (They applied for one last December.) Once they support Zelle, I'll drop U.S. Bank, as their app sucks and they don't have an API.
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