Send Money with Zelle® FAQs
We've partnered with Zelle® to provide a fast, safe and easy way to send money to family and friends.
We've partnered with Zelle® to provide a fast, safe and easy way to send money to family and friends.
Zelle® is a convenient way to send money to people you know and trust, such as friends, family, neighbors and coworkers. You can also request and receive money from others.
UW Credit Union members can access Zelle® through Web Branch or our Mobile App to send and receive money directly between almost any bank account in the U.S.
You can send money to almost anyone with a bank account in the U.S. by using their email address or U.S. mobile phone number.
Since money is sent directly from your account to another person’s account, it’s important to only send money to people you know and trust, and always ensure you’ve used the correct email address or U.S. mobile phone number.
Your recipient can use Zelle® through their financial institution or by downloading the Zelle® app for Android and iOS, if their financial institution does not yet offer Zelle®. (See a list of participating financial institutions.)
UW Credit Union does not charge any fees to use Zelle®. Keep in mind your mobile carrier may charge data and usage fees when you use your mobile device.
Log in to Web Branch or our Mobile App and select “Send Money with Zelle®”. When using for the first time, you’ll be asked to accept the terms and conditions and confirm your contact information is correct.
To send money, enter a trusted recipient’s email address or U.S. mobile phone number, add the amount you’d like to send and an optional memo, review, then hit “Send.”
Your recipient will be notified of your payment via email or text message. If they are already enrolled with Zelle®, they will typically receive money within minutes. If they are not yet enrolled, they will need to complete a one-time enrollment. If your recipient does not enroll within 14 days, the money will be returned to your account.
Zelle® is a convenient way to send money to almost anyone with a bank account in the U.S. whom you know and trust. Examples include paying back a friend for dinner, contributing money to buy a gift for a coworker, or sending money to your children’s babysitter.
Neither UW Credit Union 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.
Yes, they will receive a notification via email or text message.
Share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle®.
If you have already enrolled with Zelle®, you do not need to take any further action to receive a payment. The money will be sent directly into your account.
If you have not yet enrolled with Zelle®, follow these steps:
Log in to Web Branch or our Mobile App and select “Send Money with 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, then hit “Request.” In order to send a payment request to a U.S. mobile number, the mobile number must already be enrolled in Zelle®. Payment requests to persons not already enrolled with Zelle® must be sent to an email address. Note that "Request" functionality is for one recipient only. Multiple recipients should use "Split" functionality.
When you enroll with Zelle® through Web Branch or our Mobile App, the email address or U.S. mobile phone number you use to enroll is shared with Zelle® (no sensitive account details are shared—those stay with UW Credit Union).
When someone sends money to your enrolled email address or U.S. mobile phone number, Zelle® looks up the email address or U.S. mobile phone number in its “directory” and notifies UW Credit Union of the incoming payment. UW Credit Union then directs the payment into your account, all while keeping your sensitive account details private.
To use Zelle®, both the sender’s and recipient’s bank accounts must be based in the U.S.
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 account and cannot be canceled. This is why it’s important to only send money to people you know and trust, and always ensure you’ve used the correct email address or U.S. mobile phone number when sending money.
If your recipient is already enrolled with Zelle®, they will typically receive payment in minutes.
If your recipient is not yet enrolled with Zelle®, they will receive a notification prompting them to enroll. After enrollment the money will be sent directly to their account and will typically be available in minutes.
When you use Zelle® within Web Branch or our Mobile App, your information is protected with the same technology UW Credit Union uses to keep your accounts safe.
Zelle® uses only your email address or U.S. mobile phone number to send and receive payments—so your account information stays private. UW Credit Union does not share your account details with Zelle®.
Zelle® is a fast, safe and easy way for small businesses to send, request and receive money directly between eligible bank accounts in the U.S.1 2 If your customers use Zelle® within their mobile banking app, they can send payments directly to your UW Credit Union bank account with just your email address or U.S. mobile phone number. With Zelle®, payments typically arrive within minutes.1
You can send, request or receive money with Zelle®. To get started, log in to Web Branch or the UW Credit Union mobile app and select "Send Money with Zelle®". Enter your business 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®.
When you use Zelle® with a small business account, you can send money to other small businesses that bank with a financial institution that offers Zelle® to small businesses. You can also send to consumers who have access to Zelle® through their mobile banking app. At this time, we don't support sending to (or receiving from) consumers who are only enrolled in the Zelle® app.
If the small business or consumer you send money to has already enrolled with Zelle® through their bank's mobile app, the money is sent directly to their bank account and cannot be canceled. 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.
You can receive payments from consumers using Zelle® through their bank's mobile app. You can also receive payments from other small business if their financial institution offers Zelle® to small businesses. At this time, you're not able to receive payments from consumers that are only enrolled in the Zelle® app.
First, you should enroll your business email address or U.S. mobile number with Zelle® through the UW Credit Union app and associate it with your small business account. Second, share your enrolled email address or U.S. mobile phone number with your customers and ask them to send you payment with Zelle® right from their banking app. You don't need to share any sensitive account details; they can send you money by using your enrolled email address or U.S. mobile phone number to identify you. After the consumer sends you payments with Zelle®, you will receive your money directly into your enrolled bank account.
You can also request payments directly through the UW Credit Union mobile app by clicking "Send Money With Zelle®", choosing your small business, and selecting "Request". Then, enter your customer's email address or U.S. mobile number, confirm the recipient is correct (make sure you've entered the correct email address or U.S. mobile number of the person or business you want to request payment from)3 and tap "Request".
If your customer is using Zelle® through their bank's mobile app, they'll be able to pay you with Zelle®. You'll receive a payment notification once your customer has sent you money in response to your request. If your customer is enrolled in the Zelle® app, they will not be able to send you money with Zelle®, and you should arrange for a different payment method.
Once you're enrolled with Zelle®, money you receive is typically available within minutes. 2
No, UW Credit Union does not charge a fee to use Zelle® with a small business account.
As a current Zelle® user, once you log in and accept new Terms of Service, any of your email address or U.S. mobile numbers associated with a business account will be recognized as businesses in Zelle®. There's no need to re-enroll or take additional action to continue using Zelle®. Your current activity, pending payments and recurring payments will not be affected.
To get started, log in to Web Branch or the UW Credit Union mobile app. Then, enroll a small business bank account with Zelle® using your business email address or U.S. mobile phone number.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
1To send or receive money with a small business or organization, both parties must be enrolled with Zelle® directly through their financial institution's online or mobile banking experience.
2Mobile carrier fees may apply.
3U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes.