To make a payment with Zelle, follow these steps:

  1. Access Zelle: Open your banking app or the Zelle app on your mobile device. If your bank offers Zelle, you can use it directly within your bank’s app. If not, download the Zelle app and sign up using your bank account or debit card details.

  2. Enter Recipient Details: Select the option to send money or make a payment. You will need to enter the recipient’s email address or mobile phone number associated with their Zelle account. Ensure you have the correct details from your supplier or the entity you’re paying.

  3. Specify Payment Amount: Enter the amount of money you wish to send. It’s important to double-check this amount to ensure accuracy.

  4. Add a Memo (Optional): Although optional, it’s helpful to include a memo or note specifying the purpose of the payment, such as “supplement order” or the invoice number. This can assist the recipient in recognizing the payment’s intent.

  5. Review and Send: Before sending, review all the details you’ve entered to ensure they are correct. Once you’re sure everything is accurate, confirm the payment.

  6. Receive Confirmation: After sending the payment, you will receive a confirmation from Zelle. It’s a good idea to keep this confirmation for your records.

  7. Notify the Recipient: Inform the recipient that you have made the payment, providing them with any details they may need to verify the transaction, such as the date of payment and the amount.

Zelle payments are typically instant or within minutes, making it a quick and convenient way to transfer money. However, it’s essential to use Zelle with individuals or businesses you know and trust, as payments are direct and usually cannot be reversed.

Frequently Asked Questions (FAQs)

No, you cannot directly use a credit card to send money through Zelle. Zelle is designed to transfer money directly between bank accounts. To use Zelle, you need to link it to a U.S. bank account, and then you can send money using the balance in your bank account. If you want to use funds from a credit card, you would first need to transfer those funds to your bank account, assuming your bank allows this type of transaction, and then use Zelle to send the money from your bank account.

When setting up Zelle to send or receive payments, it typically asks for the following information:

  • Email Address or Mobile Phone Number: You’ll need to provide either your email address or mobile phone number. This information is used to identify your account and facilitate transactions.
  • Bank Account Information: If your bank or credit union is already a Zelle partner, you may not need to enter your bank account information directly into Zelle since it can often be linked through your bank’s app. However, if you’re using the standalone Zelle app, you’ll need to provide your bank account and routing numbers to link your account to Zelle.
  • Personal Information: For security purposes and to confirm your identity, Zelle may ask for additional personal information. This could include your full name, address, and date of birth.
  • Verification Code: After entering your email or phone number, Zelle will send you a verification code to ensure that you have access to the email or phone number you provided. You must enter this code to proceed with the setup.

Remember, Zelle is designed for sending money to people you know and trust. Always ensure the details you enter are accurate to avoid sending money to the wrong recipient, as transactions cannot be reversed once initiated.

The daily send limits via Zelle can significantly differ based on the bank or credit union you’re using. Here are examples for a few banks, but please note these amounts can change, so it’s best to check directly with your bank or on their official website for the most current information:

  • Bank of America: Up to $3,500 per day for personal checking accounts.
  • Chase: Personal checking accounts can send up to $2,000 per day and up to $16,000 in a calendar month. Chase Private Client and Chase Business accounts have higher limits.
  • Wells Fargo: Up to $2,500 per day.
  • Citibank: Up to $2,000 per day for Citibank accounts and up to $5,000 per day for Citigold accounts.
  • U.S. Bank: Up to $2,500 per day.
  • Capital One: Up to $2,000 per day.
  • PNC Bank: Up to $1,000 per day for standard accounts and up to $5,000 per day for PNC Virtual Wallet accounts.
  • TD Bank: Up to $1,000 per day.

For users of the standalone Zelle app who don’t have their bank account linked to a Zelle-partnered bank, the sending limit is generally around $500 per week.

Since policies and limits are subject to change and can vary by account type, contacting your bank directly or checking their website is always recommended for the most accurate and up-to-date information.

Downloading the Zelle app is straightforward. Here’s how you can do it on both iOS and Android devices:

For iOS (iPhone/iPad):

  • Open the App Store: Tap the App Store icon on your device’s home screen.
  • Search for Zelle: Tap on the search bar at the bottom of the screen and type “Zelle” then press “Search.”
  • Download the App: Find the Zelle app in the search results (look for the official Zelle app icon for authenticity) and tap “Get,” then “Install.” You may need to enter your Apple ID password or use Touch/Face ID to approve the download.
  • Open Zelle: Once installed, tap “Open” from the App Store or find the Zelle icon on your home screen to launch the app.

For Android (Smartphones/Tablets):

  • Open the Google Play Store: Locate the Google Play Store icon on your device and tap to open.
  • Search for Zelle: Use the search bar at the top of the screen to type “Zelle” and hit the search button (magnifying glass icon).
  • Install the App: Locate the official Zelle listing (be sure to verify it’s the official app) and tap “Install” to begin downloading.
  • Launch Zelle: After installation, tap “Open” directly in the Google Play Store or find the Zelle app icon in your device’s app drawer or home screen to start the app.

Things to Remember:

  • Ensure your device is connected to the internet (via Wi-Fi or cellular data) before attempting to download the app.
  • The Zelle app is free to download, but standard data rates and text messaging fees from your mobile service provider may apply.
  • After downloading, you’ll need to follow the app’s setup process, which includes linking your bank account if your bank supports Zelle. If your bank or credit union doesn’t offer Zelle, you can still use the app by enrolling with your debit card.

By following these steps, you can easily download and start using Zelle to send and receive money.