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Zelle®

Send and Receive Money with Zelle®

We have partnered with Zelle® to bring you a fast and easy way to send and receive money with friends, family, and people you know. With Zelle®, you can send money directly from your account to enrolled recipients in minutes all from the convenience of our app and online banking.

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Overview

Learn about all the ways to send and receive money using Zelle®.

Features

Send Money

With Zelle®, you can pay and get paid in minutes with enrolled users - whether it’s a special occasion, an unpaid IOU, or a friend in need.

Receive Money

With Zelle®, you don’t need to wait days. Get money fast, directly to your bank account.

Add Your Contacts

Millions of people are already using Zelle® - make sure you add your contacts using the Address Book feature.

See the Details

Use the Activity Tab to view send dates, add memos, or even cancel a payment if a recipient doesn’t enroll with Zelle®.

How it Works

Start managing your accounts with the ease of using your smartphone, tablet, computer or laptop. All it takes is just a few steps.

  • 1

    Enroll

    Log in to digital banking, select “Send Money with Zelle®”, and accept terms and conditions to complete enrollment.

  • 2

    Verify

    Make sure your recipient’s name, U.S. mobile phone number and email are accurate.

  • 3

    Be Aware

    Only use Zelle® to send money to friends, family, and others you trust. If a payment feels off, it probably is. Trust your gut and investigate.

Enroll now

Have a question?

We’re happy to help you every step of the way!

Chat with us

Start live chat

Chat live with a team member who can quickly help answer your question.

Call us

1-877-378-3281

Give us a call directly; we’re here to help you every step of the way.

Meet with us

Schedule an appointment

Schedule a virtual or phone appointment convenient for you, and let us help you get to the next financial level.

Top Zelle® Questions

  • You can send, request or receive money with Zelle®.

    • To send money using Zelle®, simply add a trusted recipient’s email address or U.S. mobile phone number, enter the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available in your recipient’s account in minutes if they are already enrolled with Zelle®.
    • 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.” If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile number.
  • Keeping your money and information safe is a top priority for Raiz Federal Credit Union. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe.

  • 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.

    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®. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).

    Neither Raiz Federal Credit Union nor Zelle® offers purchase protection for 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.

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

     

  • Raiz Federal Credit Union does not charge fees to send or receive money with Zelle®, but there Raiz Federal Credit Union charges a fee to cancel a Zelle® transaction that is still pending because the recipient hasn’t yet enrolled. If the recipient doesn’t enroll with Zelle® within 14 days, the payment will naturally expire, the funds will be returned to your account and no fees will be assessed.

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

  • You can send, request or receive money with Zelle®.

    • To get started, log in to online banking or our mobile banking app and navigate to the “Send Money With Zelle®”. To enroll, accept terms and conditions, tell us your email address or U.S. mobile number and deposit account and then you will 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 add a trusted recipient’s email address or U.S. mobile phone number, enter 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 if they are already enrolled with Zelle®.
    • 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.” If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile number.
    • To receive money, just share your enrolled email address or U.S. mobile 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 be sent directly into your account, typically within minutes.
  • 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 activity page, choose the payment you want to cancel and then select “Cancel This 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 know and 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, please immediately call member services at 1-877- 378-3281 so we can assist you.

  • To use Zelle®, the sender and recipient’s bank accounts must be based in the U.S.

  • Please contact your member services team at Raiz Federal Credit Union. Qualifying imposter scams may be eligible for reimbursement.

  • 1  U.S. Checking or Savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes.

    2 Payment requests to persons not already enrolled in Zelle® must be sent to an email address.

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

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