Merchants State Bank
Merchants State Bank supports Zelle. FedNow and RTP participation has not been confirmed.
Freeman, SD · FDIC Cert #1125
https://msb-sd.com305 S Main St, Freeman, SD, 57029
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
Add a real transfer outcome involving Merchants State Bank.
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Report early direct deposit
Did a paycheck or benefit show up early at Merchants State Bank?
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Sending from Merchants State Bank
Rails observed when Merchants State Bank was the sending bank.
No sending reports yet for Merchants State 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 State Bank
Rails observed when Merchants State Bank was the receiving bank.
No receiving reports yet for Merchants State 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.
Similar institutions
Other banks in SD.
- Citibank, National Association · Sioux Falls
- Wells Fargo Bank, National Association · Sioux Falls
- The Bancorp Bank, National Association · Sioux Falls
- Pathward, National Association · Sioux Falls
- First Bank & Trust · Brookings
Frequently asked questions
Does Merchants State Bank support FedNow?
This hasn't been confirmed. Merchants State 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 State Bank support RTP?
This hasn't been confirmed. Merchants State 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 State Bank support Zelle?
Yes. Merchants State 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 State Bank have early direct deposit (EDD) evidence?
No early direct deposit evidence has been reported for Merchants State Bank yet.