Your cash, run like a family treasury.
Family offices never let a dollar sit idle. Every dollar has a job, a place, and a schedule: buffered, staged, swept, deployed. Merger Bank is that treasury discipline, engineered for your household, and built to be the last account the two of you ever open.
Illustrative
The treasury playbook · Standard practice behind the family-office door
Four cash tactics the wealthy consider non-negotiable.
A family office treats unassigned cash as a daily loss. The sweep engine keeps every surplus dollar moving toward a goal.
Goal vaults assign each dollar a purpose and a date: the house, the trip, the buffer. Nothing floats. Nothing leaks.
Treasuries ladder their cash: buffer first, near goals next, long money last. Yours will ladder itself, automatically.
Orchestrated payments, on time, from the right pocket, with both partners notified. The controller function, automated.
The sweep engine
Watch a paycheck get put to work.
In a family office, a deposit is an event: the treasury desk routes it within hours. Buffer topped, goals funded, the remainder staged for investment. Merger Bank is being engineered to run that exact routine on every paycheck, automatically, with both of you watching.
You approve the policy once, on a Money Date. The engine runs it forever.
The end of the search
You've switched banks before. This is the last time.
The big bank that paid you nothing. The online bank you opened for a rate that didn't last. The fintech app that became one more login. Every switch was the same search: an institution actually built around your household. The search ends at a desk with your names on it.
The cards
Three cards. One treasury. Every charge read by the staff.
Green comes free with every plan. Platinum and Black pay the house back more than they cost, in cash, not points. Whichever you carry, the Controller reads every charge the night it lands, the Guardian watches for fraud, and either partner can freeze a card with a tap. Late fees do not exist here. A $75 buffer stands where overdraft fees used to.
Green Free with every plan
1% back
on the first $1,000 a month
- Foreign and ATM fees $0
- Rewards paid Every January
You get back about $240 a year
Platinum $295 a year
1.5% back
on the first $25,000 a year
- Money Date credit $100
- Two coaching or therapy sessions $300
- Specialist hire credit $249
You get back about $1,134 a year
Black $695 a year
2% back
on the first $40,000 a year
- Four sessions $600
- Estate plan $599
- Anniversary trip credit $150
You get back about $2,418 a year
The cards open with Merger Bank. Every household and figure shown is illustrative.
Asked and answered
Every question you've typed into a search bar at midnight.
Because you were the product. At Merger the membership is the business model, so the treasury is engineered to work for the household that owns it, and to pursue competitive yield on every layer.
You don't. One treasury: joint, hers, his, and goal vaults, under one roof with one login each. The structure of a family office, sized for a family.
Because commissions. Your desk has no products to push and no quotas to hit. It has one job: route your money by the policy you two wrote.
Legacy banks were built for one name per account. Merger is built for two seats at one desk: every balance, bill, and vault visible to you both, always.
Intelligence your bank never had
Finn sits inside the vault. That changes everything.
Every bank you've had could hold your money. None of them could think about it. Merger Bank is being built with Finn inside the treasury: reading balances, pacing, and bills the moment they move, and reasoning like the private banker the wealthy keep on staff.
- The yield desk. Idle cash above your buffer gets flagged the day it appears, with the sweep already drafted.
- The watchdog. Duplicate charges, creeping fees, and forgotten trials get caught and held for review, not discovered in April.
- The forecaster. Your runway, your bill timing, your safe-to-spend, projected forward before you have to ask.
Illustrative Finn treasury insights: $1,850 is sitting idle above your buffer. I've drafted a sweep to the house vault, ready when you are. Your old bank's maintenance fee posted again. That's $204 a year, and I can draft the cancellation for you both. Runway check: 4.2 months at current burn, above the 3-month floor you two set. Breathe easy. Three bills land Thursday. All funded, all on time, from the right pockets. Nothing needs you.
The spec sheet · Built in the open
What's on the drafting table right now.
We publish the build the way an engineering firm would: openly, with status. No vaporware, no “coming soon” fog. This is the working scope of Merger Bank, and members will walk through the doors first.
Blueprint preview. Merger Bank is in active engineering and not yet available; features and details may evolve before the doors open.
A bank that knows what the money is for.
Every vault gets a name and a date, every dollar gets a job, and the whole treasury opens to members before the public. Open your family office and be standing at the door.
Open your family office