Merco
Merco supports FedNow and Zelle. RTP participation has not been confirmed.
Merced, CA · NCUA Charter #64766
http://www.merco.org1911 M ST, Merced, CA, 95340-3706
Contact info sourced from NCUA's quarterly call report data. Directory data last synced July 18, 2026. See methodology.
- Community confirmations
- 0
- 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
Did a paycheck or benefit show up early at Merco?
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Sending from Merco
Rails observed when Merco was the sending bank.
No sending reports yet for Merco. 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 Merco
Rails observed when Merco was the receiving bank.
No receiving reports yet for Merco. 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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Frequently asked questions
Does Merco support FedNow?
Yes. Merco appears in Federal Reserve's FedNow participant list, confirmed July 9, 2026.
Does Merco support RTP?
This hasn't been confirmed. Merco 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 Merco support Zelle?
Yes. Merco 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 Merco have early direct deposit (EDD) evidence?
No early direct deposit evidence has been reported for Merco yet.