Zelle Payment Service

Zelle Person to Person Payment Service available now!

What is Zelle?

Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes.  With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank..

Who can I send money to with Zelle?

You can send money to friends, family and others you trust..

Since money is sent directly from your bank account to another person's bank account within minutes, it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number.


How do I use Zelle?

You can send, request, or receive money with Zelle.

  1. To get started, log into Merchants National Bank's online banking or mobile app, navigate to Bill Pay and select "Send Money with Zelle®". Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you're ready to start sending and receiving with Zelle.
  2. To send money using Zelle, simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit "Send." In most cases, the money is available to your recipient in minutes.
  3. To request money using Zelle, choose "Request," select the individual(s) from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit "Request".
  4. To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle.

If you have questions or need assistance with this service please don’t hesitate to ask. Our Customer Care Team is here for you!



Digital Wallets

Using your debit card to pay in stores, online, or even within apps has never been easier or more secure.  Simply add your card information to your Digital Wallet, and instead of making purchases using your plastic card, you can pay with your smartphone, tablet, or smartwatch.  What is a Digital Wallet?  A Digital Wallet is simply an electronic device or software program that stores your payment information and can be used for making digital payments.

MNB's debit card is compatible with several device-based digital wallets, including Apple Pay, Google Pay, and Samsung Pay.  Once added to your compatible device, card transactions can be completed using your devices near field communication technology, which is a short-range wireless communication of only a few centimeters. This allows you to pay for purchases simply by holding your device near the contactless reader. The device communicates with the reader in an encrypted language to authenticate the transaction. 

Whichever type of digital wallet you may choose, when used with our debit card, you can be confident knowing your purchases carry the same fraud protections as if you used your physical card itself.  In fact, many digital wallet services may even offer you extra protections that help safeguard your information even more. 

Watch our video here!   Digital Wallets




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