Zelle FAQs

WHAT IS ZELLE ^® ?

Zelle  is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes ¹ . With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank ² .

WHO CAN I SEND MONEY TO WITH  ZELLE ?

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 ¹ , 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.

HOW DO I USE  ZELLE ?

You can send, request, or receive money with  Zelle . To get started, log into your online banking or mobile app and select "Send Money with Zelle ^® ". Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, accept terms and conditions, and you're ready to start sending and receiving 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 phone number), add 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 ¹ .

To request money using  Zelle , choose "Request," select the individual(s) from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit "Request" ³ .

To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with  Zelle .

SOMEONE SENT ME MONEY WITH  ZELLE , HOW DO I RECEIVE IT?

If you have already enrolled with  Zelle , you do not need to take any further action. The money will move directly into your bank account, typically within minutes ¹ .

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 your financial institution.
3. 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.

WHAT TYPES OF PAYMENTS CAN I MAKE WITH  ZELLE ?

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 ¹ ,  Zelle  should only be used to send money to friends, family and others you trust.

Zelle  does not offer 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.

HOW DO I GET STARTED?

It's easy —  Zelle  is already available within your mobile banking app and online banking! Check our app or sign-in online and follow a few simple steps to enroll with  Zelle  today.

WHAT IF I WANT TO SEND MONEY TO SOMEONE WHOSE BANK DOESN'T OFFER  ZELLE ?

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 number, 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.

HOW DOES  ZELLE  WORK?

When you enroll with  Zelle  through your online banking account or mobile app, your name, the name of your financial institution, and the email address or U.S. mobile number you enrolled is shared with  Zelle  (no sensitive account details are shared). When someone sends money to your enrolled email address or U.S. mobile number,  Zelle  looks up the email address or mobile number in its "directory" and notifies your financial institution of the incoming payment. Your financial institution then directs the payment into your bank account, all while keeping your sensitive account details private.

CAN I USE  ZELLE  INTERNATIONALLY?

In order to use  Zelle , the sender and recipient's bank accounts must be based in the U.S.

CAN I CANCEL A PAYMENT?

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 number 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 contact your financial institution's customer service.

HOW LONG DOES IT TAKE TO RECEIVE MONEY WITH  ZELLE ?

Money sent with  Zelle  is typically available to an enrolled recipient within minutes ¹ .

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 move directly to your recipient's account, typically within minutes ¹ .

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.

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.

Still having trouble? Please contact your financial institution's customer service.

WILL THE PERSON I SEND MONEY TO BE NOTIFIED?

Yes! They will receive a notification via email or text message.

IS MY INFORMATION SECURE?

Keeping your money and information safe is a top priority. 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.

I'M UNSURE ABOUT USING  ZELLE  TO PAY SOMEONE I DON'T KNOW. WHAT SHOULD I DO?

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).  Zelle  does not offer 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.

WHAT IF I GET AN ERROR MESSAGE WHEN I TRY TO ENROLL AN EMAIL ADDRESS OR U.S. MOBILE NUMBER?

Your email address or U.S. mobile phone number may already be enrolled with  Zelle  at another bank or credit union. Call our customer support team and ask them to move your email address or U.S. mobile phone number to your financial institution so you can use it for  Zelle .

Once customer support moves your email address or U.S. mobile phone number, it will be connected to your bank account so you can start sending and receiving money with  Zelle  through your financial institution's mobile banking app and online banking. Please call your financial institution's customer service for help.