ZELLE^® PAYMENTS

Zelle^® is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes.² With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.¹

You can send money to friends, family and others you trust.¹

Since money is sent directly from your bank account to another person’s bank account within minutes,² it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number. It's easier to be sure when you select your recipient from the Zelle^® Ready Contacts list on your Select a recipient screen within Zelle^®. See What are Zelle^® Ready Contacts? below for more information.

You can send, request, or receive money with Zelle^®. To get started, log in to the U.S. Bank Mobile App or online banking and navigate to Send money with Zelle^®. Select an email address or U.S. mobile number that friends will use to send you money, enter a verification code if you receive one, select the receiving account and select Enroll. You’re ready to start sending and receiving money with Zelle^®.

To send money using Zelle^®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number), add the amount you’d like to send and an optional note, review, then hit Send. In most cases, the money is available to your recipient in minutes.²

To request money using Zelle^®, choose Request money, select the individual from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit Request.³

Selecting a recipient is easier and more error-proof using Zelle® Ready Contacts. See What are Zelle^® Ready Contacts? below for more information.

To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle^®.

If they sent the money to an email address or U.S. mobile number 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. Follow the link provided 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.¹

Since money is sent directly from your bank account to another person’s bank account within minutes,² Zelle^® should only be used to send money to friends, family and others you trust.

Neither we nor Zelle^® offers a protection program for any authorized payments made with Zelle^® – for example, if you do not receive an item you paid for or the item is not as described or as you expected.

Sending, requesting and receiving money with Zelle^® is always free for U.S. Bank customers.

It’s easy. You’ll find Zelle^® right in the U.S. Bank Mobile App and online banking. Just open the app or log in to online banking and follow a few simple steps to enroll with Zelle^® today.

With Zelle^® Ready Contacts, it's easy to know who on your personal contact list is enrolled with Zelle^®.

When you go to Zelle^® in the U.S. Bank Mobile App, you'll see a prompt asking you to allow access to your contact list. If you agree, Zelle^® will cross-reference that information against their records to identify email addresses and U.S. mobile numbers that are already enrolled with Zelle^®.

Then, when you next visit your Zelle^® recipients screen, you'll see all of those contacts listed under "Zelle^® Ready Contacts" – each with an easily identifiable purple "Z" icon that lets you know at a glance which of your friends is already a Zelle^® user.

Don't worry – you can still send money to someone who's not enrolled. To make things easier, we recommend you contact your recipient and let them know they'll need to enroll with Zelle^® to collect their money.

You can find a full list of participating banks and credit unions live with Zelle^® on the Zelle^® website.

If your recipient’s bank isn’t on the list, don’t worry. The list of participating financial institutions is always growing, and your recipient can still use Zelle^® by downloading the Zelle^® app for Android and iOS.

To enroll with the Zelle^® app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa^® or Mastercard^® debit card with a U.S.-based account (does not include U.S. territories). Zelle^® does not accept debit cards associated with international deposit accounts or any credit cards.

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.

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

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 go to your Zelle^® Activity page, choose the pending payment you want to cancel, and then select Cancel Payment.

If the person you sent money to 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 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, we recommend contacting the recipient and requesting the money back. If the recipient refuses to comply, you can file a dispute by calling U.S. Bank 24-Hour Banking at 800-USBANKS (872-2657). However, it's up to the recipient's financial institution to decide whether to refund your money.

Money sent with Zelle^® is typically available to an enrolled recipient within minutes.²

If you send money to someone who isn’t enrolled with Zelle^®, they will receive a notification prompting them to enroll. After enrollment, the money will move directly to your recipient’s account, typically within minutes.²

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle^® and that you entered the correct email address or U.S. mobile phone number.

If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Still having trouble? Please call U.S. Bank 24-Hour Banking toll-free at 800-USBANKS (872-2657).

Yes. They will receive a notification via email or text message.

Keeping your money and information safe is our top priority. When you use Zelle^® in the U.S. Bank Mobile App or online banking, your information is protected with the same technology we use to keep your bank account safe. Your account information is never shared with the recipient.

If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle^® for these types of transactions.

These transactions are potentially high-risk (just like sending cash to a person you don’t know is high-risk). Neither Zelle^® nor U.S. Bank offers a protection program for any authorized payments made with Zelle^® – for example, if you do not receive an item you paid for or the item is not as described or as you expected.

Your email address or U.S. mobile phone number may already be enrolled with Zelle^® at another bank or credit union. If that’s the case, we’ll alert you when you try to enroll and you’ll have the option to move your Zelle^® enrollment to a U.S. Bank account. As soon as you make the switch, you’ll be able to start sending and receiving money with Zelle^® through the U.S. Bank Mobile App and online banking.

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. This arrangement can also be handy if you want to send money between your accounts at U.S. Bank and the other institution.