Use Zelle®

Zelle® is a fast, safe, and easy way to send and receive money between you and people you know and trust. To send money with Zelle®, UNFCU members need a UNFCU checking account, an email address, and a US mobile number. The recipient or sender will need a deposit account with a US financial institution, and an email address or a US mobile number.

You can send, request, or receive money with Zelle®. To get started: 

• Sign in to Digital Banking. 
• Under Transfers & Payments, select BillPay & Zelle®. 
• Select Zelle®. On the desktop version, you will first need to select What else can I do?

Some common reasons why a mobile phone number or email address cannot be used include: 

• The email address or US mobile phone number could not be confirmed by Zelle®. 
• The phone number is currently listed as a landline or Voice over Internet Protocol (VoIP) number. 
• The US mobile phone number is not listed with a US mobile carrier. 
• The phone number is an international number. 

You can select a different US mobile phone number or email address, or contact us for help. 

Your mobile number or email address may already be enrolled with a bank or credit union that offers Zelle®. 

In order to enroll with a different bank or credit union, or in the Zelle® app, your mobile number or email address must be removed from where it was initially enrolled. To do so, contact the customer support team of where you initially enrolled and ask to remove your mobile number or email address. If you aren’t sure where you initially enrolled, contact Zelle® customer support at 844-428-8542 or get in touch at zellepay.com/support/contact. 

Once completed, you may now enroll that mobile number or email address and start sending and receiving money with Zelle®. 

UNFCU replaced Popmoney with Zelle® in Digital Banking on 15 November 2022. With Zelle®, you can still quickly send money to and request money from people you know and trust with an account at a US credit union or bank. UNFCU's daily send limit with Zelle® is $750. To send more than this amount to someone you know with an account at a US credit union or bank, easily set up free ACH transfers in Digital Banking. 

If you previously used Popmoney, you can get started with Zelle® by: 

• Reviewing any scheduled Popmoney payments 
• Notifying contacts you will no longer be using Popmoney 
• Asking your trusted contacts to enroll with Zelle® 
• Notifying anyone who sends you payments to start using Zelle® instead

If you sent money to the wrong person, please immediately contact us so that we can try to help you. Please be aware that neither UNFCU 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. Payments sent to someone who is already enrolled cannot be canceled. For these reasons, it is important to: 

• Only send money to people you trust. 
• Ensure that you have entered the recipient’s contact information correctly.

Keeping your money and information safe is a top priority for UNFCU. When you use Zelle® within Digital Banking, your information is protected with the same technology we use to keep your UNFCU account safe.

Zelle® is a great way to send money to family, friends, and contacts you know and trust. This can include people like your personal trainer, babysitter, or neighbor. Everyone who uses Zelle® needs a checking or savings account at a US-based credit union or bank. 

Money is sent directly from your UNFCU account to your contact’s bank account, typically within minutes.¹ Do not use Zelle® if you do not know the recipient or are not sure you will get what you paid for (for example, items bought from an online bidding or sales site). These transactions are potentially high risk — just like sending cash to a person you don’t know is high risk. 

Neither UNFCU 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. Payments sent to someone who is already enrolled cannot be canceled. If you sent money to the wrong person, please immediately contact us so we can try to help you.

Some small businesses in the US are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from your UNFCU Digital Banking mobile app. Just use their email address or US mobile number. 

Only send money to individuals and businesses you trust. Neither UNFCU nor Zelle® offers a protection program for any authorized payments made with Zelle®. Also, always ensure you have used the correct email address or US mobile number when sending money.

In order to use Zelle®, the sender and recipient’s credit union or bank accounts need to be based in the US (does not include US territories).

You can only cancel a payment if the person you sent money to has not yet enrolled with Zelle®. If the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account. These payments cannot be canceled. It is important to only send money to people you trust. Always ensure you use the correct email address or US mobile number when sending money. If you sent money to the wrong person, please immediately contact us so we can try to help you. 

No, UNFCU does not charge any fees to use Zelle® in Digital Banking. Your mobile carrier’s messaging and data rates may apply.

The amount of money you can send, as well as the frequency, is set by each participating financial institution. At UNFCU, the limit for daily sends with Zelle® is $750. 

There are no limits to the amount of money you can receive with Zelle®. However, remember that each participating financial institution sets send limits. The person sending you money will most likely have limits on the amount of money they can send you.

View a list of participating financial institutions live with Zelle®. 

Do not worry if your recipient's bank or credit union is not on the list. The list of participating financial institutions is always growing. Your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS. 

Your recipient can enroll with the Zelle® app using their: 

• Basic contact information 
• Email address and US mobile number 
• Visa® or Mastercard® debit card with a US-based account (does not include US territories) 

Zelle® does not accept debit cards associated with deposit accounts outside the US or any credit cards.