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.2 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 number. With Zelle®, money typically arrives within minutes.1
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 Zelle® from the quick-action menu and choose Send money with Zelle®. Select your email or U.S. mobile number, enter a verification code if you receive one, select the account and continue to enroll. 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?
Transaction limits do apply to sending and requesting money, however, there are no limits on receiving. In the U.S. Bank Mobile App, you can click “Send limits” or “Request limits” found on the Enter Amount page within the Send flow. In online banking, click the icon on the Enter Amount page.
Does Zelle® or U.S. Bank offer purchase protection?
Neither Zelle® nor U.S. Bank 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.