KNOWLEDGE BASE

How do I send money with Zelle®?

We recommend you tell your recipient to expect a payment notification from U.S. Bank via email or text. Recipients must enroll their U.S. mobile number or email address with Zelle®. If the U.S. mobile number or email address isn't registered within 14 calendar days after you send a payment, the payment will expire and funds will be returned to your account.

Online banking steps:

For the best online banking experience, we recommend logging in at usbank.com.

  1. Select Send money  from the top menu bar, then select Send money with Zelle®.
  2. Select Send money. (If you're new to Zelle®, we'll walk you through enrollment before you proceed.)
  3. Choose your recipient or add a new recipient. Select their email address or U.S. mobile number.
  4. Enter how much to send, select the account to pull the funds from, then choose Review.
  5. Update the following information, if it should be changed:
    • Use the drop-down menu next to the frequency if you'd like to make this a recurring payment. 
    • Select the calendar icon to change the date the funds are sent.
    • Type a message in the message box if you'd like.
  6. If everything is correct, select Send at the bottom of the page.

U.S. Bank Mobile App steps:

For the best mobile banking experience, we recommend logging in or downloading the U.S. Bank Mobile App.

  1. Select Send money  at the bottom of the Accounts dashboard, then select Send money.
  2. Choose your recipient or add a new recipient.
  3. Select their email address or phone number.
  4. Update the following information, if it should be changed, then select Review:
    • Enter how much to send.
    • Choose the account to pull the fund from. 
    • Select the calendar icon to change the date the funds are sent.
    • Press the toggle button to make this a recurring payment. 
  5. Type a message in the message box if you'd like. If everything is correct, choose Send.

Additional information:

Un-enrolled recipients will receive a notification (email or text message) with instructions on how to enroll with your financial institution or directly to claim the money.
Enrolled recipients won't need to take any further action, assuming their financial institution supports automatic deposit. If not, they may be required to manually accept the payment.