Send and Receive
Money with Zelle®
We have partnered with Zelle to bring you a fast, safe and easy way to send and receive money with friends, family and other people you trust2.
Zelle is available right from Online and Mobile Banking so you don't need to download anything new to start sending and receiving money!
Mobilize your money
directly from your account
to theirs typically in minutes1
from Bill Pay or
our mobile banking app2.
money with Zelle
from our online or mobile banking app4.
money is a U.S.
mobile number or email address1.
Enroll in Zelle® Now
- Login to Bill Pay
- Select Send Money with Zelle®
- Enroll your U.S. mobile number or email address
- You're ready to start sending money with Zelle
Frequently Asked Questions
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 minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank2.
Who can I send money to with ZELLE?
You can send money to friends, family and others you trust2.
Since money is sent directly from your bank account to another person's bank account within minutes1, 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.
- 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.
- 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 minutes1.
- 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"3.
- 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.
Someone sent me money with Zelle, how do I receive it?
If you have already enrolled with Zelle, you do not need to take any further action. The money will be sent directly into your bank account, and will be available typically within minutes1.
If you have not yet enrolled with Zelle, follow these steps:
- Click on the link provided in the payment notification you received via email or text message.
- Select Merchants National Bank.
- Follow the instructions provided on the page to enroll and receive your payment. Pay attention fto the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle using that email address or U.S. mobile number where you received the notification to ensure you receive your money.
What types of payments can I make with Zelle?
Zelle is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor2.
Since money is sent directly from your bank account to another person's bank account within minutes1, Zelle should only be used to send money to friends, family and others you trust.
Neither Merchants National Bank nor Zelle offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.
How do I get started?
It's easy — Zelle is already available within Merchants National Bank's mobile banking app and online banking within Bill Pay! Check our app or sign-in online and follow a few simple steps to enroll with Zelle today.
What if I want to send money to someone whose financial institution doesn't offer Zelle?
You can find a full list of participating banks and credit unions live with Zelle here.
If your recipient's financial institution isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle by downloading the Zelle app for Android and iOS.
To enroll with the Zelle app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle does not accept debit cards associated with international deposit accounts or any credit cards.
How does Zelle work?
When you enroll with Zelle through your online banking Bill Pay account, or mobile banking app, your name, the name of your bank, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with Merchants National Bank).
When someone sends money to your enrolled email address or U.S. mobile number, Zelle looks up the email address or mobile number in its "directory" and notifies Merchants National Bank of the incoming payment. Merchants National Bank then directs the payment into your bank account, all while keeping your sensitive account details private.
Can I use Zelle internationally?
In order to use Zelle, the sender and recipient's bank accounts must be based in the U.S.
Can I cancel a payment?
You can only cancel a payment if the person you sent money to hasn't yet enrolled with Zelle. To check whether the payment is still pending because the recipient hasn't yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select "Cancel This Payment."
If the person you sent money to has already enrolled with Zelle, the money is sent directly to their bank account and cannot be canceled. This is why 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 when sending money.
If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren't able to get your money back, please call customer services at 937.393.1993 so we can help you.
Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by Merchants National Bank but are a separate service from Zelle and can take 1 – 3 business days to process.
You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.
How long does it take to receive money with Zelle?
Money sent with Zelle is typically available to an enrolled recipient within minutes1.
If you send money to someone who isn't enrolled with Zelle, they will receive a notification prompting them to enroll. After enrollment, the money will be available in your recipient's account, typically within minutes1.
If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle and that you entered the correct email address or U.S. mobile phone number.
If you're waiting to receive money, you should check to see if you've received a payment notification via email or text message. If you haven't received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.
Still having trouble? Please contact customer services at 937.393.1993.
Will the person I send money to be notified?
Yes! They will receive a notification via email or text message.
Is my information secure?
Keeping your money and information safe is a top priority for Merchants National Bank. When you use Zelle within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe.
I'm unsure about using Zelle to pay someone I don't know. What should I do?
If you don't know the person, or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle for these types of transactions.
These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither Merchants National Bank nor Zelle offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.
What if I get an error message when I try to enroll an email address or U.S. mobile number?
Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Call our customer support team at 937.393.1993 and ask them to move your email address or U.S. mobile phone number to Merchants National Bank so you can use it for Zelle.
Once customer support moves your email address or U.S. mobile phone number, it will be connected to your Merchants National Bank account so you can start sending and receiving money with Zelle through the Merchants National Bank mobile banking app and online banking. Please call Merchants National Bank's customer support toll-free at 937.393.1993 for help.
App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. Android, Google Play, and the Google Play logo are trademarks of Google Inc. Data charges may apply. Check with your mobile phone carrier for details. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
1 Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle.
2 Must have a bank account in the U.S. to use Zelle.
3 In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle.
4 Mobile carrier fees may apply.
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