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ZELLE® FOR YOUR BUSINESS

U.S. Bank and Zelle logos

Accept payments anytime, anywhere with Zelle®.

Spend less time worrying about payments and more time running your business. Download the U.S. Bank Mobile App or enroll in online banking to get started.

Download the app Enroll in online banking

Benefits of using Zelle® for your business

Easy

Skip the paper checks. Zelle® digital payments are deposited directly into your account.

Fast

Start to finish, a payment can typically be sent and received within minutes between enrolled users.1

Safe

There is no need to share any sensitive account details to receive payments with Zelle®.

Free

U.S. Bank offers Zelle® at no cost to all small business checking and savings account clients.

What is Zelle®?

Zelle® is a fast, safe and easy way for small businesses to send, receive and request money from your trusted customers and eligible vendors. If your customer uses Zelle® through their financial institution, they can send payments directly to your U.S. Bank account with just your enrolled Zelle® tag, email address, United States mobile number or scannable code. The money will be withdrawn from their account and deposited into your account within minutes.1

Zelle® is available to consumers at over 2,300 financial institutions.

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Zelle® tag makes it easy

Zelle® tag offers peace of mind knowing your customers can send money to you without sharing any personal contact information. You create a unique Zelle® tag name that your customers easily remember. Then they can send payments directly to your enrolled Zelle® tag instead of your mobile number or email.

Frequently asked questions

Eligible small business accounts can send, receive, or request money with Zelle®. To get started, log into U.S. Bank’s online banking or the U.S. Bank Mobile App. In the main menu, select Transfer & pay. Then choose Send & request 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 select Send. In most cases, the money is available to your recipient in minutes.1

To receive money using Zelle® with a small 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 small business account, select Request, enter the individual’s email address or U.S. mobile number, confirm the recipient is correct and select Request. If the individual you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the individual has enrolled their U.S. mobile number, then you can send the request using their U.S. mobile number.

Eligible small business accounts can send, receive, or request money with Zelle®. To get started, log into online banking or the mobile app. In the main menu, select Transfer & pay. Then choose Send & request money with Zelle®. If you don’t see Zelle®, please call our customer support team at 800-USBANKS (872-2657).

No, U.S. Bank does not charge any fees to use Zelle® with a small business account.

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

Neither U.S. Bank 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. Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

No, Zelle® payments cannot be reversed.

You can only cancel a payment if the small 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 payment. If you do not see this option available, please contact our customer support team at 800-USBANKS (872-2657) for assistance with canceling the pending payment.

If you send money to a small business or consumer that has already enrolled with Zelle®, 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 800-USBANKS (872-2657) to determine what options are available.

Please contact our customer support team at 800-USBANKS (872-2657). Qualifying imposter scams may be eligible for reimbursement.

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

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

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

To locate your Zelle® QR code, log into the U.S. Bank online banking or mobile app. In the main menu, select Transfer & pay. Then choose Send & request money with Zelle®.

From Zelle® Preferences, choose Zelle® QR. From here you can view and use the print or share icons to text or email your Zelle® QR code.

To send money, log into the mobile app. In the main menu, select Transfer & pay. Then choose Send & request money with Zelle®. Select Send, then click on the QR code icon displayed at the top of the Select a recipient screen, next to Add a recipient. Once you allow access to your camera, simply point your camera at the recipient’s Zelle® QR code, enter the amount, select 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.

A Zelle® tag is a unique identifier that you create, much like a username, that allows you to get paid with Zelle® without having to provide your contact information. Your Zelle® tag:

  • Should be six to 40 characters
  • May include letters, numbers, and hyphens, but no other special characters or spaces.
  • Is not case sensitive

To start, think of a Zelle® tag that fits with your small business. For example, if your small business name is ABC Company, you might select abc-company as your Zelle® tag. You should avoid using trademark or brand names unless you are authorized. Then, choose Zelle® Preferences, select Create a Zelle® tag and follow the steps to secure your Zelle® tag. You can now share your custom Zelle® tag and start getting paid without providing your enrolled email address or U.S. mobile number.

You can also send money to an eligible small business, supplier or vendor if they are enrolled with Zelle® through their financial institution’s app. Find Zelle® in the U.S. Bank Mobile App, select Send money and from the Select Recipient screen, type the recipient’s Zelle® tag. Then enter the amount, choose 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 contact name that is displayed before sending money.

 

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Start of disclosure content

Disclosures

  1. To send and receive money in minutes with Zelle®, both parties must have an eligible checking or savings account, and have a United States mobile number registered in your online and mobile banking profile for at least three calendar days. Transactions between enrolled customers typically occur in minutes.  

Start of disclosure content

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Eligibility requirements and restrictions apply. Please refer to the Digital Services Agreement for more information.

Deposit products are offered by U.S. Bank National Association. Member FDIC.

QR Code® is a registered trademark of DENSO WAVE INCORPORATED.