Wire transfers allow you to send or receive money from anywhere in the world through an electronic transfer of funds. Both individuals and businesses can send a wire transfer and funds are available the same day if sent from a domestic bank.

During wire transfer, different currencies can be accepted and are exchanged on your behalf at the time of deposit. Because a wire transfer is an electronic transfer of funds, funds sent are considered “collected” and are available immediately upon receipt.


How do I receive a wire transfer?

To receive a domestic wire transfer, provide the sender’s financial institution with the following information:

  • Your name
  • Your account number
  • Merchants Bank’s routing number: 091900193
  • Merchants Bank’s wire processing address:
    Merchants Bank NA
    102 East Third Street
    Winona, MN 55987
  • Merchants Bank’s phone number: (800) 944-6285

For instructions on how to receive an international wire transfer, please contact us by calling (800) 944-6285 and asking for the Wires Department.


How do I send a wire transfer?

You can send a wire transfer by coming to the bank in person or calling us on the phone at (800) 944-6285. A wire transfer agreement must be filled out in order to complete a transfer. An agreement can be obtained in person or via email from our Wires Department.


Can I send and receive wire transfers for my business?

Yes. We offer a number of options for business customers to initiate transfers, including:

  • Calling our Wires Department and initiating a wire transfer over the phone.
  • Stopping in the Bank in person.
  • Online through Merchants Business Online Banking.

To receive a wire transfer for your business, follow the steps above.