Zelle Payments

About Zelle

 

What is Zelle?

Zelle is the new way to send money directly between almost any U.S. bank accounts typically within minutes. With just an email address or mobile phone number, you can now quickly, safely, and easily send money to more people, regardless of where they bank.

Are there any fees to send money using Zelle?

Zelle doesn’t charge a fee to send or receive money. We recommend confirming with your bank or credit union that there are no additional fees.

 

How long does it take to receive with Zelle?

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

If the recipient is not yet enrolled, it may take between 1-3 business days after the recipient has enrolled for the money to be available. This is a security feature of Zelledesigned to reduce risk and protect you whenever you’re sending and receiving money. If it has been more than three days, we recommend confirming that you have fully enrolled your Zelle profile, and that you entered the correct email address or U.S. mobile number and provided this to the sender.

 

What if my bank or credit union doesn’t offer Zelle?

Don’t worry! Our network of participating financial institutions is always growing, and you can still use Zelle by downloading the Zelle app for Android and iOS.

 

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 recipient hasn’t yet enrolled with Zelle. You can go to your activity page within the Zelle experience, either within your mobile banking app or the Zelle app, choose the payment you want to cancel, and then select “Cancel This Payment.”

If your recipient has already enrolled with Zelle, the money is sent directly to your recipient’s bank account and cannot be canceled.

 

Can I access Zelle to send or receive money without a smartphone?

If your bank or credit union offers Zelle, you may use their online banking site to send and receive money without a mobile device.

If your bank or credit union does not offer Zelle, then you must have a smartphone in order to access our Zelle app to send and receive money.

Using Zelle

 

How do I get started?

It’s easy — if your bank or credit union offers Zelle, it’s already available in your mobile banking app or online banking! Check your mobile banking app or sign-in to your online banking site and follow a few simple steps to enroll your Zelle profile. You can find a list of participating banks and credit unions offering Zelle here.

Don’t see your bank or credit union listed? Don’t worry! Our network of participating financial institutions is always growing, and you can still use Zelle by downloading the Zelle app for Android and iOS.

To enroll with the Zelle app, enter your basic contact information, an email address and U.S. mobile number, and a Visa® or MasterCard® debit card with a U.S. based account. We do not accept debit cards associated with international deposit accounts or any credit cards.

 

How can I use Zelle?

Zelle doesn’t charge a fee to send or receive money. We recommend confirming with your bank or credit union that there are no additional fees.

 

How long does it take to receive with Zelle?

You can send, request, or receive money with Zelle. After you’ve enrolled, simply add your recipient’s email address or mobile number, the amount you’d like to send or request, review and add a memo, and hit “confirm.” In most cases, the money is typically available in minutes. To receive money, just share your enrolled email address or mobile number with a friend and ask them to send you money with Zelle.

 

I’m unsure about using Zelle to pay for goods or services from someone I don’t know. What should I do?

Zelle is a great way to send money to family, friends, and people that you are familiar with such as your personal trainer, babysitter, or a neighbor. If you don’t know the person, or aren’t sure you will get what you paid for (for example, items bought from an on-line bidding or sales site), we recommend you do not use Zelle for these types of transactions.

Zelle is not responsible for goods or services that are not received or are received but do not meet expectations.

 

Who can I send money to with Zelle?

You can send money to almost anyone1 with a bank account in the U.S. When using Zelle, at least one side of the transaction (sender or receiver) must have access to Zelle through their bank or credit union.

Don’t know if your bank offers Zelle? Check here.

Note:
If your bank or credit union offers Zelle – You can send to almost anyone with a U.S. bank account.
If your bank or credit union does NOT offer Zelle – The person you want to send money to, or receive money from, must have access to Zelle through their bank or credit union.

 

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 associated with your profile, typically within minutes1.

If you have not yet enrolled your Zelle profile, follow these simple steps:

  1. Click on the link provided in the payment notification.
  2. Select your bank or credit union.
  3. Follow the instructions provided on the page to enroll and receive your payment.

If your bank or credit union is NOT listed, then download the Zelle app and enroll your Visa® or MasterCard® debit card.

 

What if the person I’m sending money to hasn’t enrolled with Zelle?

If the person you’re sending money to hasn’t enrolled yet, they’ll receive an email or text notification letting them know you’ve sent them money. They’ll be guided through a few simple steps to get enrolled. Once they’ve enrolled their profile, they’ll receive the money directly into the bank account they have associated with their profile. If the recipient doesn’t enroll their Zelle profile within 14 days, the payment will expire and the funds will be returned to your account.

 

Will the person I send money to be notified?

Yes! They will receive a notification via email or text message. The message may be sent by Zelle or by their bank or credit union.

 

Is there a limit to how much money I can send?

If your bank or credit union offers Zelle, please contact them directly to learn more about their sending limits through Zelle.

If your bank or credit union does not yet offer Zelle, your weekly send limit is based off usage and experience with the service.

 

I sent money to someone and they never received it. What should I do?

First, check the payment status within your payment activity in your bank’s online or mobile service, or within the Zelle app. If the payment status is pending, the recipient may not have enrolled their mobile number or email address to receive the payment. If the payment status is completed then the money is already available in the recipient’s bank account, or will be within 3 business days if it is a newly enrolled profile. If you aren’t sure of the status of your payment, contact Zelle customer support at 844-428-8542.