Merchants Bank, National Association
Merchants Bank, National Association supports Zelle. FedNow and RTP participation has not been confirmed.
Winona, MN · FDIC Cert #8866
https://merchantsbank.com100 E 3rd St, Winona, MN, 55987
Contact info sourced from FDIC BankFind. Directory data last synced July 28, 2026. See methodology.
- Source
- Zelle's partner directory
- Community confirmations
- 0
Zelle's own directory is known to be incomplete, so a missing badge doesn't necessarily mean a bank lacks support.
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Report early direct deposit
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Sending from Merchants Bank, National Association
Rails observed when Merchants Bank, National Association was the sending bank.
No sending reports yet for Merchants Bank, National Association. Once community members report a transfer from this bank, this section will show which rail was used, how many reports were successful, delayed, or unsuccessful, and the average settlement time.
Receiving into Merchants Bank, National Association
Rails observed when Merchants Bank, National Association was the receiving bank.
No receiving reports yet for Merchants Bank, National Association. Once community members report a transfer into this bank, this section will show which rail was used, how many reports were successful, delayed, or unsuccessful, and the average settlement time.
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Other banks in MN.
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- Stearns Bank National Association · Saint Cloud
- Minnwest Bank · Redwood Falls
Frequently asked questions
Does Merchants Bank, National Association support FedNow?
This hasn't been confirmed. Merchants Bank, National Association does not currently appear in Federal Reserve's FedNow participant list, and no community reports have confirmed this rail for this bank yet.
Does Merchants Bank, National Association support RTP?
This hasn't been confirmed. Merchants Bank, National Association does not currently appear in The Clearing House's RTP participant list, and no community reports have confirmed this rail for this bank yet.
Does Merchants Bank, National Association support Zelle?
Yes. Merchants Bank, National Association appears in Zelle's partner directory, confirmed July 9, 2026. Zelle's own directory is known to be incomplete — a missing badge doesn't confirm a bank lacks support, only that it isn't listed there.
Does Merchants Bank, National Association have early direct deposit (EDD) evidence?
No early direct deposit evidence has been reported for Merchants Bank, National Association yet.