Welcome to Zelle®, a fast, safe, and contact-free way to send and receive money with the people you know and trust, for all sorts of things. Once logged in, you can send, request, and split expenses in just a matter of minutes. Say you want to send your friend Amy money for her birthday. Just select her from your contact list. Enter the amount to send and, if you'd like, a reason. If Amy is already enrolled with Zelle®, the money will arrive directly in her bank account, typically in minutes. If she’s not enrolled with Zelle®, she’ll get a message explaining how to enroll to receive her money. How simple is that? Requesting money and splitting expenses are just as easy. Use Request to request a payment from someone you know, like from your roommate, who owes you for their share of the rent. Use Split if the request needs to be divided among a group, like splitting the dinner bill among friends. Activity includes your pending items and past activity. And if a payment requires your attention, you’ll see an alert. Recipients is where you store your Zelle® contacts and add new ones. And Settings is where you manage your email addresses and U.S. mobile phone numbers you use to send and receive money. It's also where you store your Zelle® contacts and add new ones. Keep in mind that Zelle® can send money from your bank account to someone else’s in minutes, so it’s important you know and trust the person you’re sending money to.
It’s important that you use Zelle® safely. Once you authorize a payment, if the recipient is already enrolled in Zelle®, it can’t be undone. Here are some tips to help you send money safely with Zelle®. Make sure you have the correct email or U.S. mobile phone number for your recipient. If you aren’t sure, ask! It’s easy for people to change phone numbers, so double-check that your friend hasn’t updated theirs. Know the options you have for sending money. If you’re ordering something and don’t know the person or can’t guarantee you’ll get what you expect, you might want to consider an alternate payment method, like a credit card. Many credit card companies offer purchase protections.Zelle® does not. One common scam involves someone offering you a great deal, like front row seats at a concert, who then takes the money and runs. Because you authorized the payment, this transaction is not considered fraud and is generally not covered by financial institutions. You may not be able to get your money back. Think of Zelle® like cash. If you wouldn’t risk sending a stranger a $100 bill, don’t use Zelle® to do the same. Another common scam involves someone sending you an email, text, or even a call, claiming to be from your financial institution. While the phone number may look like it’s coming from us, be on the alert if they ask for personal information like usernames, passwords, or verification codes over the phone to “fix” a problem. We will also never instruct you to send money with Zelle®, to yourself or anyone else. If you receive one of these calls, remain calm. Scammers want you to feel nervous or alarmed because you’re more likely to do what they want. Hang up or delete the text, and call us directly from a number you know to be legitimate. If you follow these guidelines, Zelle® is a fast, safe, and easy way to send money to people you know and trust.