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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.
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.
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,1 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 easy 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 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.
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 Select. In most cases, the money is available to your recipient in minutes.1
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 and options note, review and hit Select.2
Selecting a recipient is easy 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®.
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, the next time you go to choose a Zelle® recipient in the app, you'll see all of those contacts listed under Zelle® ready contacts – each with an easily identifiable purple "Z" icon next to their profile image. When you see the purple “Z” next to a contact, you can be confident they’ll receive your payment in minutes.
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.
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.1
If someone sends money to an email address or U.S. mobile number you have not yet enrolled with Zelle®, follow these steps:
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,1 Zelle® should only be used to send money to friends, family and others you trust.
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.
Once a request to send money using Zelle® has been processed, it cannot be modified or canceled.
Neither U.S. Bank nor Zelle® offers a protection program for any issues with authorized payments made using Zelle® such as not receiving an item you paid for, or the item not being as described or expected.
U.S. Bank is only responsible for resolving unauthorized transactions and errors, as required by applicable law and rules. If you notice something’s not right with your account, contact U.S. Bank immediately at our Fraud Liaison Center (877-595-6256).