QR codes

Request money or settle up with ease using a custom QR code. In the U.S. Bank Mobile App, select “Request” from the home screen, tap on the QR Code icon at the top of the “Select Recipient” screen, then share your Zelle® QR Code.

To receive money, you can locate your own Zelle® QR Code by tapping on the “My Code” tab.


Recurring payments

Need to send money at a consistent time each week, month, or year? Schedule a repeat payment on a timeline you choose.


Mobile home screen widget

Easily send or request money right from your mobile phone home screen. After installing the U.S. Bank Mobile App, follow these steps for iPhone and Android users.


eCards

Personalize your payment with a festive digital card. Select “Choose an eCard” on the Zelle® payment confirmation screen to browse hundreds of card types like birthdays, thank yous and other occasions.

So many ways to use Zelle®

Easily find contacts who already use Zelle®

Choose your friend’s name from your contact list and send them a request for money. No math required.

Help for hectic households

For busy families, Zelle® can help. Get a quick glance at your Zelle® payment history anytime to keep track of who you’ve paid.

Divvy up the check

No awkward conversations. Just send a “Split a bill” request to your friends or family using Zelle®.

Ready to do more with Zelle®?

Frequently asked questions

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, you can file a dispute by calling U.S. Bank 24-Hour Banking at 800-USBANKS (800-872-2657). 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.1

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.1

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, 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 (800-872-2657)

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.

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

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Disclosures

  1. To send money in minutes with Zelle®, you must have an eligible U.S. Bank account and have a mobile number registered in your mobile and online banking profile for at least three calendar days. U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.

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Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Deposit products are offered by U.S. Bank National Association. Member FDIC.