Send Money in theMoment with Zelle® (2023)

Send Money in theMoment with Zelle® (1)

Send Money in theMoment with Zelle® (2)

Introducing Zelle — a fast, safe and easy way to send money in minutes1 to friends, family and others you trust, right from the First Fidelity Bank mobile app. Zelle makes it easy to send money to, or receive money from, people you trust with a bank account in the U.S. Find Zelle in your First Fidelity Bank app.

Fast

Send money directly from your account to theirs — typically in minutes.1

Safe

Send or receive money right from your First Fidelity Bank app.

Easy

Send money to almost anyone you know and trust2 using just an email address or U.S. mobile phone number.

Download the First Fidelity Bank App:

Send Money in theMoment with Zelle® (3)

Send Money in theMoment with Zelle® (4)

(Video) How to Use Zelle (Send and Receive Money Fast)

GETTING STARTED IS EASY.

Zelle® FAQs

1. What is Zelle?

Zelle is a fast, safe and easy way to send money directly between accounts at almost any bank or credit union in the U.S., typically within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of their financial institution2.

2. Who can I send money to with Zelle?

You can send money to friends, family and others you trust2.

Since money is sent directly from your account to another person’s bank or credit union account within minutes1, 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 phone number.

3. How do I use Zelle?

You can send, request, or receive money with Zelle. To get started, log into your mobile banking app and select “Send Money with Zelle®”. Following the prompts, enter the information requested, accept the 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 minutes1.

To request money using Zelle, choose “Request,” select the individual 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.

(Video) Sending Money With Zelle - How To Send & Receive On Zelle

4. 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 First Fidelity Bank bank account, typically within minutes1.

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 First Fidelity Bank.
  3. Follow the instructions provided on the page to enroll and receive your money. Pay attention to the email address or U.S. mobile phone number where you received the payment notification - you should enroll with Zelle using that email address or U.S. mobile phone number to ensure you receive your money.

5. What types of payments can I make with Zelle?

Zelle is a great way to send money to friends, family and people you are familiar with such as your personal trainer, babysitter or neighbor2.

Since money is sent directly from your bank account to another person’s bank account within minutes1, Zelle should only be used to send money to people you trust.

Neither First Fidelity 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.

6. How do I get started?

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

7. What if I want to send money to someone whose bank or credit union doesn’t offer Zelle?

You can find a full list of participating banks and credit unions live with Zelle here.

If your recipient’s bank or credit union isn’t on the list, don’t worry! The list of participating financial institutions is always growing. If the recipient's bank or credit union isn't participating yet, 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.

(Video) How to Send Money with Zelle® | Chase Mobile® App

8. How does Zelle work?

When you enroll with Zelle through the First Fidelity Bank banking app, your name, your financial institution’s name, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with First Fidelity Bank). When someone sends money to your enrolled email address or U.S. mobile phone number, Zelle looks up the email address or mobile number in its “directory” and notifies First Fidelity Bank of the incoming payment. First Fidelity Bank then directs the payment into your bank account, all while keeping your sensitive account details private.

9. Can I use Zelle internationally?

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

10. 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 or credit union 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 call our customer support team at 405-416-2222 so we can help you.

11. How long does it take to receive money with Zelle?

Money sent with Zelle is typically available to an enrolled recipient within minutes1.

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 minutes1.

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 right email address or U.S. mobile phone number.

Still having trouble? Please call the First Fidelity Bank customer support team at 405-416-2222 for assistance.

12. Will the person I send money to be notified?

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

13. Is my information secure?

Keeping your money and information safe is a top priority for First Fidelity Bank. When you use the First Fidelity Bank mobile app, your information is protected with the same technology we use to keep your bank account safe.

(Video) How to transfer money between your own banks QUICKLY using Zelle | How to transfer money to yourself

14. 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). Neither First Fidelity 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.

15. 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 at 405-416-2222 and ask us to move your email address or U.S. mobile phone number from the financial institution where you initially enrolled to your desired bank account 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 First Fidelity Bank account so you can start sending and receiving money with Zelle.

16. Can I pay a small business with Zelle?

Some small businesses are able to receive payments with Zelle. Ask your favorite small business if they accept payments with Zelle. If they do, you can pay them directly from your mobile banking app using just their email address or U.S. mobile number.

Neither First Fidelity Bank, nor Zelle, offers a protection program for any authorized payments made with Zelle, so you should only send money to people (and small businesses) you trust. Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.

DOWNLOAD THE Bank First Fidelity Bank APP:

Send Money in theMoment with Zelle® (5)

Send Money in theMoment with Zelle® (6)

1 Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.

2 Must have a bank account in the U.S. to use Zelle.

3 In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle.

(Video) ✅ How Much Money Can You Send With Zelle? 🔴

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

FAQs

Does money go through instantly with Zelle? ›

Money sent with Zelle® is typically available to an enrolled recipient within minutes1. 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.

Can you Zelle someone with insufficient funds? ›

If there are insufficient funds in your Account to make a Transfer or Payment, we may refuse to make the Transfer or Payment or we may make the Transfer or Payment and overdraw your Account. In either event, you are responsible for any non-sufficient funds (“NSF”) charges that may apply.

How do you lift a Zelle limit? ›

Zelle® limits apply to the amount you can send for each transaction (per day and per month), and includes all outstanding payments. Please note limits cannot be changed and are in place for your safety and security. If the Zelle® limit isn't large enough, you can try using our Send to Account or bill pay services.

What info do you need to send money with Zelle? ›

Once you're enrolled with Zelle®, all you need is an email address or U.S. mobile phone number to send money to friends and family straight from your banking app.

Why is my Zelle transfer on hold? ›

When sending money to a recipient not yet enrolled with Zelle, Bank of America will deduct the funds from your available balance and place a hold on that amount until the recipient enrolls with Zelle and is able to receive your payment.

Why would a Zelle payment be pending? ›

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.

Why does Zelle keep saying insufficient funds? ›

This can happen if there are other transactions in your account for which there is temporary authorization. An authorization can block the amount of the transaction in your account, thus reducing the available balance. Time-wise, the authorization has a limited duration.

Can you override Zelle limit? ›

Please note that you cannot request to increase or decrease your send limit.

Why does it say insufficient funds when I try to transfer money? ›

Understanding Insufficient Funds

If a transaction draws money from a bank account while the account balance is lower than the amount drawn, the account will thus be in the insufficient funds status. The account holder will receive a notice on the bank statement or receipt.

What is the max you can Zelle per day? ›

Does Zelle® limit how much I can send or request? You can send up to $2,500 per day with Zelle®. There are no limits on how much you can request with Zelle®, but keep in mind that people sending you money may have limits set by their own financial institutions.

Does Zelle have a daily limit? ›

At the biggest U.S. banks, Zelle Pay daily and monthly limits tend to be around $1,000 per day and at least $5,000 per month, respectively. Zelle Pay is a personal payment feature, and standalone app, backed by the biggest banks in the U.S.

Can Zelle refund money if scammed? ›

Because you did NOT authorize a payment, you are typically able to get your money back after reporting the incident.

Should I give someone my Zelle info? ›

Here's what to do:

If you suspect you're on the phone with a scammer, hang up. Never share your bank or Zelle account authentication codes with anyone. Don't send money to yourself via Zelle to “reverse unauthorized payments.”

Does Zelle report to IRS? ›

Zelle® does not report any transactions made on the Zelle Network® to the IRS, even if the total is more than $600. The law requiring certain payment networks to provide forms 1099K for information reporting does not apply to the Zelle Network®.

How long does it take for Zelle to finish pending? ›

Once they're enrolled, it may take up to three business days for the funds to be deposited. If your payment is pending, confirm with the person they've enrolled with Zelle® and that you entered the correct email address or mobile phone number.

Why is Zelle holding my money for 2 days? ›

Money sent with Zelle is typically available to the recipient within minutes. However, if the recipient is not registered with Zelle at the time of the transfer, it may take one to three business days for the recipient to have access to the funds, once they enroll.

How long does Zelle hold money? ›

If your recipient does not enroll with Zelle® within 14 days, the money will be returned back to your account. Once your recipient enrolls with Zelle®, this and all future payments to them are typically delivered in minutes. In some cases, we may need to delay or block a payment for your protection.

Why won't Zelle process my payment? ›

The most common reason that a Zelle payment failed is due to server problems. When your recipient's account has been blocked, or you've entered incorrect information, the payment can't go through. A failure message is an error message from Zelle that says that your payment has not been sent to the intended recipient.

Why is my Zelle taking 1/3 days? ›

After enrollment, it may take between 1 and 3 business days for your recipient to receive their first payment. This is a security feature of Zelle designed to protect you when you're sending or receiving money with Zelle.

Can a pending Zelle be Cancelled? ›

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.”

How do I fix insufficient funds? ›

Banks offer several overdraft protection programs that will cover your payment if funds are low.
  1. Overdraft Protection.
  2. Ask the Bank to Waive the Fee.
  3. Overdraft Line of Credit.
  4. Link Your Checking and Savings Accounts.
  5. Set Up Alerts With Your Bank.
  6. Keep Track of Your Balance.
15 Dec 2021

What happens if you have insufficient funds? ›

Likewise, if there are insufficient funds in an account, a bank would refuse to process the payment and may charge an insufficient funds fee. However, overdraft and non-sufficient funds charges are common: they are incurred when the account has insufficient money.

Does Zelle limit reset at midnight? ›

The daily limit resets at midnight every day. The “Send Money with Zelle” (person-to-person transfers) transactions are subject to limits on the amount and frequency of transfers to and from your account.

Can I send $5000 through Zelle? ›

Generally speaking, Zelle limits its users to sending approximately $1,000 a week, or up to $5,000 a month.

Why are my transfers being declined? ›

There are a few reasons why your bank transfer can be rejected: The bank account you're transferring from may not have enough funds in it to make the transfer. The bank account you're transferring from may be closed. The login credentials for the bank account you're transferring from have been updated.

Why is my money not getting transferred? ›

The receiving bank is still processing the money

But some banks are slower than others — they might take up to 1 working day for them to release the money. So your money's safely on its way, but the recipient bank is still processing it. Your recipient can ask their bank to speed this up.

Is it safe to accept Zelle from strangers? ›

It's a great way to pay friends, family, your coworkers and almost anyone else you trust, but it shouldn't be used to pay strangers. If a deal sounds too good to be true, it probably is. Zelle® doesn't offer a protection program for authorized payments, so only use Zelle® to pay people you know and trust.

What happens if I Zelle money to a scammer? ›

If you've been scammed with Zelle, you should contact your bank and report the loss of funds as soon as possible. Some banks reportedly have refused to offer refunds because the federal law protecting consumers from the theft of their funds applies only to "unauthorized" transactions.

Can you get scammed on Zelle as a seller? ›

Takeaway. Sellers should protect themselves from Zelle scams on Facebook Marketplace by watching for obvious red flags and verifying emails and payments. In this case, a seller can easily contact Zelle to verify whether the account upgrade request is real or not.

When you Zelle someone do they see your name? ›

Whether you're using the Zelle® app or using Zelle® directly through your bank or credit union's banking app, the only information you'll need to share is an email address or U.S. mobile number tied to a bank account in the U.S. Additionally, authentication and monitoring features are in place to help make your ...

How much money can you transfer without being reported? ›

Who must file. Generally, any person in a trade or business who receives more than $10,000 in cash in a single transaction or in related transactions must file a Form 8300.

Is Zelle sending 1099? ›

But if you use third party settlement organizations to get paid, the rules have changed. In 2022, companies such as Zelle, PayPal, Square, Stripe, Venmo, and others will be sending you a 1099-K if you receive more than $600 in payments during the year.

Is Zelle considered income? ›

If you receive any amount of money for goods and services through a payment app, this counts towards your taxable income. For tax year 2022, you need to file a federal tax return as a single person if your gross income exceeds $12,550, and for married-filing-jointly if your income exceeds $25,100.

What happens if Zelle money doesn't go through? ›

When a payment is sent with Zelle® to an email address or mobile phone number, the recipient will have 14 calendar days to accept the payment. If the payment is not accepted in time, it will be canceled and the full payment amount will be returned to your account.

What is the least amount of money you can send with Zelle? ›

The minimum amount you can send or request is $1.00 per transaction. Send Money with Zelle®, is available for most personal checking and money market accounts.

Can Zelle payment be undone? ›

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.”

Can money bounce back from Zelle? ›

But Zelle's terms are clear: You can't cancel a payment once it's been sent if the recipient is already enrolled with Zelle. And if you send money to someone you don't know for a product or service, you may not get your money back for a product or service that's not delivered.

Can I Zelle to cash App? ›

Conclusion. Zelle and Cash App aren't compatible and therefore you can't send money from one to the other without having a connected bank account or debit card that can act as a go-between.

How much can you send on Zelle one time? ›

What Is Zelle's Transfer Limit? If your bank doesn't offer Zelle, your limit for sending money is $500 per week. If your bank does offer Zelle, you may be able to transfer larger amounts; contact your financial institution to find their spending limits.

What is the Zelle sending limit per day? ›

At the biggest U.S. banks, Zelle Pay daily and monthly limits tend to be around $1,000 per day and at least $5,000 per month, respectively. Zelle Pay is a personal payment feature, and standalone app, backed by the biggest banks in the U.S.

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