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Zelle® FAQs


Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank2.

You can send money to friends, family and others you trust2.

Since money is sent directly from your bank account to another person’s bank account within minutes1, 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.

You can send, request, or receive money with Zelle. To get started, log into First Bank’s mobile app, go to the menu, and tap Payments and Transfers. Scroll down until you see “Send Money with Zelle®.” Accept the terms and conditions, enter your email address or U.S. mobile phone number, select the primary account you would want to use to send and receive money, receive a one-time verification code, enter it, and you’re ready to start sending and receiving 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 minutes1.

To request money using Zelle, choose “Request,” 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.

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 you have already enrolled with Zelle, you do not need to take any further action. The money will move directly into your bank account, typically within minutes1.

If you have not yet enrolled with Zelle, follow these steps:

  1. Click on the link provided in the payment notification you received via email or text message.
  2. Select First 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 neighbor2.

Since money is sent directly from your bank account to another person’s bank account within minutes1, Zelle should only be used to send money to friends, family and others you trust.

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

First Bank does not charge any fees to use Zelle4.

It’s easy — Zelle is already available within First Bank’s mobile banking app! Check our app and follow a few simple steps to enroll with Zelle today.

You can find a full list of participating banks and credit unions live with Zelle here.

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 First Bank app, your name, the name of your bank, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with First Bank). 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 First Bank of the incoming payment. First Bank then directs 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.

If your recipient has not yet enrolled with Zelle, the payment will remain pending and the money will not move from your account. If the recipient does not enroll within 14 days, the payment will expire, and the transaction will need to be made again.

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 you aren’t able to get your money back, please call us at 866-792-4357 so we can help you.

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

Keeping your money and information safe is a top priority for First Bank. When you use Zelle within our mobile app your information is protected with the same technology we use to keep your bank account safe.

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 First Bank offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the 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. Call our customer support team and ask them to move your email address or U.S. mobile phone number to First Bank so you can use it for Zelle.

Once customer support moves your email address or U.S. mobile phone number, it will be connected to your First Bank account so you can start sending and receiving money with Zelle through the First Bank mobile banking app. Please call First Bank customer support toll‑free at 866-792-4357 for help.

  1. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.
  2. Must have a bank account in the U.S. to use Zelle.
  3. In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already enrolled with Zelle.
  4. Mobile carrier fees may apply.

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

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