[ianburrell]

The big risk is that Mercury goes out of business. This leaves the bank with money in Mercury accounts but no way to get back to customers. The funds may be considered to be the companies in bankruptcy, when means that customers would have to wait and may not get back all their money.

[snotrockets]

That’s not really how it works. The keyword to google is “fbo”.

[tadfisher]

Mercury accounts are DDAs, not FBOs.