Zelle® payments

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 U.S. mobile number, and money will be available to use in minutes if they’re already enrolled with Zelle®.²  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 U.S. Bank.²

The first step to using Zelle® is to log in to the U.S. Bank Mobile App or online banking. In the main menu, select Transfer & pay. Then choose Send & request money with Zelle®. From there you can:

Send money using Zelle®.

1. Select a recipient from your mobile device’s contacts or add a trusted recipient’s email address, U.S. mobile number or Zelle® tag. 
2. Add the amount you’d like to send and an optional note.
3. Review the information and select Send.  

The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. If the person has enrolled their U.S. mobile number, then you can send the request using that number. Money is available to your recipient in minutes if they’re already enrolled with Zelle®.  

Request money using Zelle®.

1. Select Request.
2. Choose the individual from whom you’d like to request money.
3. Enter the amount you’d like and an optional note.
4. Review the information 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.

Receive money through Zelle®.

Simply share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you’ve already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your U.S. Bank account, typically within minutes. 

But if you haven’t yet enrolled with Zelle®, you’ll need to: 

1. Select the link in the payment notification you received via email or text message. 
2. Select U.S. Bank. 
3. Follow the instructions provided on the page to enroll and receive your payment.

Pay attention to the email address or U.S. mobile number where you received the payment notification. You should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money. 

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.²

Because money is sent directly from your U.S. Bank account to another person’s bank account within minutes,² Zelle® should only be used to send money to people and businesses you trust.  

If you don’t know the person or aren’t sure you will get what you paid for, 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.

Money you send with Zelle® can be in your recipient’s account in minutes,² making Zelle® an ideal way to share the cost of expenses between friends or send the gift of money.

If someone sends you money to an email address, U.S. mobile number or Zelle® tag that you have already enrolled with Zelle®, you don’t need to take any further action. The money will move directly into your bank account, typically within minutes.²

If someone sends money to an email address or U.S. mobile number you have not yet enrolled with Zelle®, follow these steps: 

1. Open the payment notification you received via email or text message. 
2. Select the link provided.
3. Choose U.S. Bank. 
4. Follow the instructions to enroll and receive your payment.

Make sure to enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money. 

If your email address or U.S. mobile number is already enrolled with Zelle® at another bank or credit union, we’ll alert you when you try to connect your U.S. Bank account to Zelle®. You’ll be able to start sending and receiving money with  Zelle®  through the U.S. Bank Mobile App and online banking once you make the switch. People with small business accounts can also enroll and move their Zelle® tag to U.S. Bank.

If you like, you can enroll your U.S. mobile number at U.S. Bank and your email address at another bank or credit union (or vice versa). By giving people one or the other, you can choose where you receive money from each individual. If you have a small business account, you can enroll and move your Zelle® tag to U.S. Bank. 

Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept Zelle® payments. If they do, you can pay them directly from the U.S. Bank Mobile App or online banking using just their email address, U.S. mobile number or Zelle® tag. 

As of March 31, 2025, all users must be enrolled through one of the more than 2,200 banks and credit unions that offer Zelle® to send and receive money. You can find a full list of participating banks and credit unions live with Zelle® at Zelle.com.

The sender and recipient’s bank or credit union accounts must be based in the U.S. to send or request money with Zelle®.

No, payments made through Zelle® 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 hasn’t yet enrolled, you can:

1. Go to your activity page.
2. Choose the payment you want to cancel.
3. 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 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 you should only send money to people you know and trust, and always check that 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 to determine what options are available.

No, U.S. Bank does not charge any fees to use Zelle® in the U.S. Bank Mobile App or online banking.  

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

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

Neither U.S. Bank nor Zelle® offers purchase protection for Zelle® payments. For example, you won’t be reimbursed if you don’t receive the item you paid for, or the item you purchased is not as described or as you expected.

This is why it’s so important to 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.

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

Sending to a Zelle® tag is just like sending to a recipient’s email address or U.S. mobile number:

1. Find Zelle® in the U.S. Bank Mobile App or online banking.
2. Select Send money.
3. Enter the recipient’s Zelle® tag at the Select recipient screen.
4. Enter the amount, review the details, select Send and the money is on the way. 

Make sure to double-check that the Zelle® tag is entered correctly. Before sending money to someone new, confirm the recipient is correct by reviewing the contact name that’s displayed.

At this time, the ability to create a Zelle® tag is only available to eligible small business account holders.