Use Zelle®

Zelle® is a convenient way to send and receive money with friends, family and others you trust through your bank or credit union’s mobile app or online banking.  All you need is your recipient’s email address or US mobile number, and money will be available to use in minutes if they’re already enrolled with Zelle®. Your account information and activity stay private. Zelle® is available in over 2,200 bank and credit union apps, so you can send money to friends and family even if they don’t bank at UNFCU.¹

You can send, request, or receive money with Zelle®. To get started, sign in to Digital Banking. Under Transfers & Payments, select Zelle®. 

To send money using Zelle®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or US mobile number), add the amount you would like to send and an optional note, review, then select Send. The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. Money is available to your recipient in minutes if they are already enrolled with Zelle®.  

To request money using Zelle®, select Request, select the individual from whom you would like to request money, enter the amount you would like, include an optional note, review, and select Request. If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their US mobile number, then you can send the request using their US mobile number.  

To receive money, just share your enrolled email address or US mobile 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. The money will be sent directly into your UNFCU account, typically within minutes. 

If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps: 

• Select the link provided in the payment notification you received via email or text message. 
• Select UNFCU. 
• Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or US mobile number where you received the payment notification — you should enroll with Zelle® using that email address or US mobile number to ensure you receive your money. 

Some common reasons why a mobile phone number or email address cannot be used include: 

• The email address or US mobile phone number could not be confirmed by Zelle®. 
• The phone number is currently listed as a landline or Voice over Internet Protocol (VoIP) number. 
• The US mobile phone number is not listed with a US mobile carrier. 
• The phone number is an international number. 

You can select a different US mobile phone number or email address, or contact us for help. 

Your mobile number or email address may already be enrolled with a bank or credit union that offers Zelle®. 

In order to enroll with a different bank or credit union, your mobile number or email address must be removed from where it was initially enrolled. To do so, contact the customer support team of where you initially enrolled and ask to remove your mobile number or email address. If you aren’t sure where you initially enrolled, contact Zelle® customer support at 844-428-8542 or get in touch at zellepay.com/support/contact. 

Once completed, you may now enroll that mobile number or email address and start sending and receiving money with Zelle®. 

If you sent money to the wrong person, please immediately contact us so that we can try to help you. Please be aware that neither UNFCU nor Zelle® offers purchase protection for 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. Payments sent to someone who is already enrolled cannot be canceled. For these reasons, it is important to: 

• Only send money to people you trust. 
• Ensure that you have entered the recipient’s contact information correctly.

Keeping your money and information safe is a top priority for UNFCU. When you use Zelle® within Digital Banking, your information is protected with the same technology we use to keep your UNFCU account safe.

Zelle® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter, or neighbor.¹ 

Since money is sent directly from your UNFCU account to another person’s bank account within minutes,¹ Zelle® should only be used to send money to friends, family and others you trust.  

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®. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). 

Some small businesses in the US 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 UNFCU Digital Banking mobile app. Just use their email address or US mobile number. 

Only send money to individuals and businesses you trust. Neither UNFCU nor Zelle® offers a protection program for any authorized payments made with Zelle®. Also, always ensure you have used the correct email address or US mobile number when sending money.

In order to use Zelle®, the sender and recipient’s credit union or bank accounts need to be based in the US (does not include US territories). To use at Zelle® at UNFCU, you will also need to have a US mobile phone number and a US address. 

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 has not 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 call us 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 or online banking, the money is sent directly to their bank account and cannot be canceled. This is why it is important to only send money to people you know and trust, and always ensure you have used the correct email address or US mobile number when sending money. 

If you sent money to the wrong person, please immediately call us to determine what options are available. 

No, UNFCU does not charge any fees to use Zelle® in Digital Banking. Your mobile carrier’s messaging and data rates may apply.

The amount of money you can send, as well as the frequency, is set by each participating financial institution. At UNFCU, the limit for daily sends with Zelle® is $750. 

At UNFCU, there are no limits to the amount of money you can receive with Zelle®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.

As of 31 March 2025, all users must be enrolled through one of the more than 2,200 banks and credit unions that offer Zelle® in order to send and receive money. You can find a full list of participating banks and credit unions live with Zelle® at zellepay.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.