Zelle® for Business

How do I use Zelle^® with a business account?

Eligible business accounts can send, receive, or request money with Zelle^®. To get started, request access from your relationship manager or call the business support line at 402.473.8542. Once your request has been completed, log into UBT Business online or via the mobile app and click Send Money, then Zelle^®. Enter your email address or U.S. mobile number, receive a one-time verification code and accept the terms and conditions. Enter the code when you receive it and click Verify. Then, you’re ready to start sending and receiving money with Zelle^®.

To send money with Zelle^®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile 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 minutes.^*

To receive money using Zelle^® with a business account, share your enrolled email address or U.S. mobile number with your customers and ask them to send you payment with Zelle^® right from their banking app. No need to share any sensitive account details. After the consumer sends you payment with Zelle^®, you will receive your money directly into your enrolled bank account.

To request money using Zelle^® with a business account, choose “Request,” enter the individual’s email address or U.S. mobile number, confirm the recipient is correct and tap “Request.” You’ll receive a payment notification once your customer has sent you money in response to your request.

How do I know if my business is eligible to use Zelle®?

If you have a business checking account with UBT, you’re eligible to enroll in Zelle^®. To get started, please contact us at 402.473.8542 or reach out to your relationship manager.

Are there any fees to use Zelle® with a business account at Union Bank & Trust?

No, Union Bank & Trust does not charge any fees to use Zelle® with a business account.

Your mobile carrier's messaging and data rates may apply.

Does Zelle® or Union Bank & Trust offer purchase protection?

Neither UBT nor Zelle^® offers reimbursement for authorized payments you make using Zelle^®, except for a limited reimbursement program that applies for certain imposter scams where you sent money with Zelle^®. This reimbursement program is not required by law and may be modified or discontinued at any time.

Can I reverse or cancel a payment?

Zelle^® payments cannot be reversed. You can only cancel a payment if the business or consumer 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 855.234.1241 for assistance with canceling the pending payment.

If you send money to a small business or consumer that 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 at 855.234.1241 so we can help you.

I believe I’ve been a victim of a scam. Who should I contact?

Please contact our Customer Support team at 855.234.1241. Qualifying imposter scams may be eligible for reimbursement.

Is my information secure? 

Keeping your money and information secure is a top priority for Union Bank & Trust. When you use Zelle^® within our mobile app or online banking, your information is protected with the same technology we use to keep your Union Bank & Trust account safe.

Can I use Zelle® internationally?

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

How do I tell my customers that they can pay me with Zelle®?

There are a few ways you can encourage your customers to pay you with Zelle^®.

• Tell customers verbally that you accept payments with Zelle^®, and that they can easily send you money right from their banking app.
• Include it on an invoice. We recommend adding “I accept payments with Zelle^®” or “Pay me with Zelle^®”.
• Use Zelle^® to request money from your customers (which will send them a notification telling them you’ve requested payment with Zelle^®).^*

Please note, you’ll only be able to receive payments from consumers using Zelle^® through their financial institution’s banking app.

How do I use a Zelle® QR code with a small business account?

Zelle^® QR code provides peace of mind knowing you can send and receive money, without typing an email address or U.S. mobile number.

To locate your Zelle^® QR code, log in to UBT Business, then select Zelle^®. Next, go to your "Zelle^® settings" and click "Zelle^® QR code" and your QR code will be displayed under "My Code". From here you can view your QR code and use the print or share icons to text, email or print your Zelle^® QR code. To receive money, share your Zelle^® QR code.

To send money, you’ll need to access UBT Business via the mobile app. Then, click "Send money with Zelle^®", click "Send," then click on the QR code icon displayed at the top of the "Select Recipient" screen. Once you allow access to your camera, simply point your camera at the recipient's Zelle^® QR code, enter the amount, hit "Send," and the money is on the way! When sending money to someone new, it's always important to confirm the recipient is correct by reviewing the displayed name before sending money.

Who should I call if I have questions or need help using Zelle with my business?

Please call Union Bank & Trust at 855.234.1241 so we can help you.