It is easy to get started. Simply log in to your online banking account or mobile banking app and enroll in Bill Pay. Once your account is verified, return to Bill Pay and select the “Send Money With Zelle®“ tab.
Enroll in Zelle® and start sending and receiving money with friends and family!
That’s it! You’re ready to start sending and receiving money with
Zelle® is a fast, safe and easy way to send money directly between almost any
bank accounts in the U.S., typically within minutes.3 With just an email
address or U.S. mobile phone number1, you can send money to people you trust,
regardless of where they bank.2
You can send money to friends, family and others you trust.2
Since money is sent directly from your bank account to another person’s bank account within minutes,3 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.1
To start using Zelle® at Metropolitan Commercial Bank, you must be enrolled in Bill Pay. If you are not already enrolled in Bill Pay, you can enroll by logging in to online banking or our mobile banking app. Locate the Payment Center tab and follow the instructions to complete the Bill Pay enrollment steps. Once enrolled in Bill Pay you can access “Send Money With Zelle®” tab in Bill Pay to complete a brief one-time enrollment to tell us which email address or U.S. mobile number1 and deposit account you would like to use to send and receive money with Zelle®.
You can send, request or receive money with Zelle®.
To get started, log in to Metropolitan Commercial 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 number1, 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
number1, 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 minutes.3
To request money using Zelle®, choose “Request,” select the individual from whom you’d like to
request money, enter the amount you’d like to request, include an optional note, review and hit
To receive money, just share your enrolled email address or U.S. mobile phone number1 with a friend and
ask them to send you money with Zelle®.
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 minutes.3
If you have not yet enrolled with Zelle®, follow these steps:
Zelle® is a great way to send money to family, friends and people you are familiar with such as your personal trainer, babysitter or neighbor.2
Since money is sent directly from your bank account to another person’s bank account within minutes,3 Zelle® should only be used to send money to friends, family and others you trust.
Neither Metropolitan Commercial 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.
It’s easy – Zelle® is already available within Metropolitan Commercial 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.
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 number1 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.
When you enroll with Zelle® through your online banking Bill Pay account or mobile banking app, your name, the name of your financial institution and the email address or U.S. mobile number1 you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with Metropolitan Commercial Bank).
When someone sends money to your enrolled email address or U.S. mobile number1, Zelle® looks up the email address or mobile number in its “directory” and notifies Metropolitan Commercial Bank of the incoming payment. Metropolitan Commercial Bank then directs the payment into your bank account, all while keeping your sensitive account details private.
In order to use Zelle®, the sender’s and recipient’s bank accounts must be based in the U.S.
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 number1 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 our customer service team at 800 852-7632 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 Metropolitan Commercial Bank but are a separate service from Zelle® and can take one to three 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.
Money sent with Zelle® is typically available to an enrolled recipient within minutes.3
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 directly in your recipient’s account, typically within minutes.3
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.1
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.1
Still having trouble? Please contact our customer support team at 800 852-7632.
Yes! They will receive a notification via email or text message.
Keeping your money and information safe is a top priority for Metropolitan Commercial 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.
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 Metropolitan Commercial 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.
Your email address or U.S. mobile phone number1 may already be enrolled with Zelle® at another bank or credit union. Call our customer support team at 800 852-7632 and ask them to move your email address or U.S. mobile phone number1 to your financial institution so you can use it for Zelle®.
Once customer support moves your email address or U.S. mobile phone number1, it will be connected to your bank account so you can start sending and receiving money with Zelle® through your Metropolitan Commercial Bank banking app and online banking. Please call our customer support team at 800 852-7632 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 Mobile network carrier fees may apply.
2 Must have a bank account in the U.S. to use Zelle®.
3 Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number1 is already enrolled with Zelle®.
4 In order to send payment requests or split payment requests to a U.S. mobile number1, the mobile number must already be enrolled with Zelle®.
Copyright © 2021-2022 Metropolitan Commercial Bank. All rights reserved. Terms and conditions apply. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.