Zelle®

Start sending money with Zelle®

It’s a fast, safe, and easy way to send money.

Thumbnail

𝙕𝙚𝙡𝙡𝙚 is a convenient way to send money using your mobile banking app or online banking account.

Whether it’s saving you a trip to the ATM or taking out the guesswork of divvying up the lunch tab, 𝘡𝘦𝘭𝘭𝘦 is a fast, safe, and easy way to send and request money. Funds are sent directly to the recipient’s account in a matter of minutes¹ — all you need is the recipient’s email address or U.S. mobile phone number.

Mobilize your money with 𝙕𝙚𝙡𝙡𝙚

Send

Send money fast in just a few steps.

Request

Settle up with roommates, friends, and more, regardless of where they bank.2

Split

Easily divide the check for dinner, coffee, and more.

Frequently Asked Questions

View All ›
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 app using just their email address or U.S. mobile number.

Neither UBT 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. Always ensure you’ve used the correct email address or U.S. mobile number when sending money.

Where do I find Zelle® in the UBTgo mobile app?

If enrolling in Zelle® and Billpay for the first time through the mobile app, you'll need to visit the "More" section of the app. Scroll down to the lower section and select "Payments" and follow the prompts to start sending money with Zelle® . Watch a short video here.

Once enrolled in BillPay and/or Zelle® , you'll have a Zelle® icon available from the "Move Money" section of the app.

What is Zelle®?

Zelle® is a fast, safe and easy way to send money directly between almost any bank accounts 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 know and trust, regardless of where they bank2.

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® .

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 bank account to another person's bank 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 number.

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® .

How do I use Zelle® ?

You can send, request, or receive money with Zelle® .

  1. To get started, log into online banking or your mobile app, navigate to Bill Pay and select "Send Money with Zelle®". Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you're ready to start sending and receiving with Zelle® .
  2. To send money using Zelle® , simply add a trusted recipient's email address or U.S. mobile phone number, enter 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.
  3. To request money using 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 and hit "Request"3.
  4. 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®.

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

enrolled with Zelle® .

 

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

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

Need Support?

Connect with our people online

App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. Android, Google Play, and the Google Play logo are trademarks of Google Inc. Data charges may apply. Check with your mobile phone carrier for details. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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.

Copyright © 2023. All rights reserved.