You can send, request, or receive money with Zelle^®. To get started, log into the Metropolitan Commercial Bank App or online banking. In the main menu, select “Transfer and Pay”. Then “Send money with Zelle^®”

To send money using Zelle^®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile number), add the amount you’d like to send and an optional note, review, then hit “Send.” The recipient will receive an email or text message notification via the method they used to enroll with Zelle^®. Money is available to your recipient in minutes if they are already enrolled with Zelle^®.

To request money using Zelle^®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like, include an optional note, review and hit “Request”. If the person you are requesting money from is not yet enrolled with Zelle^®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their U.S. mobile number.

To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle^®. If you have already enrolled with ^®, you do not need to take any further action. The money will be sent directly into your Metropolitan Commercial Bank account, typically within minutes.

If someone sent you money with Zelle^® and you have not yet enrolled with Zelle^®, follow these steps:

Click on the link provided in the payment notification you received via email or text message.

Select Metropolitan Commercial Bank.

Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification – you should enroll with Zelle^® using that email address or U.S. mobile number to ensure you receive your money.

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:

1. Click on the link provided in the payment notification you received via email or text message.
2. Select Metropolitan Commercial Bank.
3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number¹ where you received the payment notification – you should enroll with Zelle^® using that email address or U.S. mobile number¹ where you received the notification to ensure you receive your money.

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 purchase protection for 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. Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

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.

Zelle^® payments cannot be reversed.

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 you do not see this option available, please contact our customer support team at 800-852-7632 for assistance with canceling the pending payment.

If the person you sent money to has already enrolled with Zelle^® through their bank or credit union’s mobile app or online banking, 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 know and 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, please immediately call our customer support team at 800-852-7632 so we can help you.

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.

Metropolitan Commercial Bank does not charge fees to send or receive money with Zelle^®. If the recipient doesn’t enroll with Zelle^® within 14 days, the payment will naturally expire, the funds will be returned to your account and no fees will be assessed. Your mobile carrier’s messaging and data rates may apply.

The Zelle^® QR code feature is currently not available at Metropolitan Commercial Bank. The ability to use Zelle^® QR code will be available soon.

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.

Please contact our customer support team at 1 800 852-7632. Qualifying imposter scams may be eligible for reimbursement.