Zelle® is a convenient way to send and receive money with friends, family and others you trust. Whether you’re splitting the cost of a meal, gift, or trip, Zelle® makes it easy to pay your share. Over 100 million people are enrolled with Zelle®, so you can send money to friends and family even if they don't bank at Union Bank & Trust.*
Zelle® is available in the UBTgo app, so there’s no need to download another app.
Money goes straight into your account and is available to use in minutes.*
All you need is an email address or U.S. mobile number. Your account information and activity stay private.
Download the UBTgo mobile app to start using Zelle® today.
Use Zelle® safely
Follow these simple tips to ensure your money is sent safely:
- Only use Zelle® to send money to friends, family and other people you trust.
- Make sure your recipient’s name, U.S. mobile phone number and email address are correct before sending money.
- If a payment situation feels off, it probably is. Trust your gut and investigate.
Frequently Asked Questions
View All ›No, Union Bank & Trust does not charge any fees to use Zelle® in our mobile app.
Your mobile carrier's messaging and data rates may apply.
No, Zelle® payments cannot be reversed.
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 you do not see this option available, please contact our Customer Support team at for assistance with canceling the pending payment.
If the person you sent money to has already enrolled with Zelle® through their bank or credit union’s mobile app, 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 know and 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, please immediately call our Customer Support team to determine what options are available.
Please contact our Customer Support team. Qualifying imposter scams may be eligible for reimbursement.
Neither Union Bank & Trust nor Zelle® offer purchase protection for payments made with Zelle®.
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.
As of March 31, 2025, all users must be enrolled through one of the more than 2,300 banks and credit unions that offer Zelle® in order to send and receive money. The list of participating financial institutions is always growing. You can find the updated list of participating banks and credit unions live with Zelle® at Zelle.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.
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* To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
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