What is Zelle®?
Zelle® is a fast, safe and easy way for eligible businesses to send, request and receive money directly between eligible bank accounts in the U.S.1 if your customers use Zelle® within their mobile banking app, they can send payments directly to your U.S. Bank account using just your email address or U.S. mobile phone number. With Zelle®, money typically arrives within minutes.1
How does Zelle® work?
When you enroll with Zelle® through the U.S. Bank Mobile App or online banking, your name, the name of your bank, and the email address or U.S. mobile number you enrolled are shared with Zelle® (no sensitive account details are shared - those stay with us). When someone sends money to your enrolled email address or U.S. mobile number, Zelle® looks up the email address or mobile number in its "directory" and notifies us of the incoming payment. We then direct the payment into your bank account, all while keeping your sensitive account details private.
How do I use Zelle® with an eligible business account?
You can send, request or receive money with Zelle®. To get started, log into online banking or the U.S. Bank Mobile App, select Send Money with Zelle®.
Enter your email address or U.S. mobile number, receive a one-time verification code, enter it, accept the terms and conditions, and you’re ready to start sending and receiving money with Zelle®.
I already use Zelle® through my personal bank account. How do I enroll to use Zelle® with my business bank account?
To get started, log into online banking or the U.S. Bank Mobile App using your business banking user ID. To enroll an eligible business account with Zelle®, you must use a different U.S. mobile number or email address than the one you used to enroll your personal bank account with Zelle®. For example, email@example.com would be connected to your personal checking account, and 555-555-1234 would be connected to your business bank account.
If I use Zelle® for my business, will Zelle® integrate with accounting software?
No, Zelle® does not integrate directly with accounting software at this time. However, since Zelle® is connected to your bank account, you are able to see all Zelle® transactions in your online banking transaction records. If your bank account transactions feed into accounting software, you will see the Zelle® transactions. U.S. Bank customers can download transactions to Quicken.
How do I know if my business is eligible to use Zelle®?
Log in to the U.S. Bank Mobile App using your business banking user ID, select Zelle® from the quick-action menu and choose Update my enrollment. All eligible accounts will be available to select within the enrollment flow. If you do not have any eligible accounts, you will see a message when you try to access Zelle®.
Who should I call if I have questions or need help?
Please call U.S. Bank 24-Hour Banking at 800-USBANKS (872-2657).
Is there a limit on the number of transactions I can send and receive with Zelle® each month?
There are limits to the number of transactions you can send or request with Zelle®, which may vary. However, there are no limits to the number of transactions you can receive.
Does Zelle® or U.S. Bank offer purchase protection?
Neither U.S. Bank nor Zelle® offers a protection program for any authorized 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.
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.
Is my information secure?
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.