Merchants Commercial Bank
Merchants Commercial Bank supports Zelle. FedNow and RTP participation has not been confirmed.
St Thomas, VI · FDIC Cert #58184
https://merchantscommercial.bank4608 Tutu Park Mall, St Thomas, VI, 00802
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.
Submit Route Report
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Report early direct deposit
Did a paycheck or benefit show up early at Merchants Commercial Bank?
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Sending from Merchants Commercial Bank
Rails observed when Merchants Commercial Bank was the sending bank.
No sending reports yet for Merchants Commercial Bank. 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 Commercial Bank
Rails observed when Merchants Commercial Bank was the receiving bank.
No receiving reports yet for Merchants Commercial Bank. 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.
Frequently asked questions
Does Merchants Commercial Bank support FedNow?
This hasn't been confirmed. Merchants Commercial Bank 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 Commercial Bank support RTP?
This hasn't been confirmed. Merchants Commercial Bank 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 Commercial Bank support Zelle?
Yes. Merchants Commercial Bank appears in Zelle's partner directory, confirmed July 18, 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 Commercial Bank have early direct deposit (EDD) evidence?
No early direct deposit evidence has been reported for Merchants Commercial Bank yet.