How It Works

Safely send money to friends and family, no matter where they bank!1

Pitching in on snacks for couples’ game night? Need to get paid back for covering the group vacation? Zelle® is a great way to send money to friends and family, even if they bank somewhere different than you do.1 Plus, it’s in a lot of banking apps, probably yours! No worries if your bank or credit union doesn’t offer Zelle® yet – you can download and use the Zelle® app until they do.

Look for Zelle® in your banking app to get started.

See how Zelle® works

Ready to start sending and receiving with Zelle®? Here's how.

Step 1


Access Zelle®

Get started by enrolling your email or U.S. mobile number through your mobile banking app or with the Zelle® app.


Pick someone
(you trust) to pay.

Once you’re enrolled with Zelle®, all you need is an email address or U.S. mobile phone number to send money to friends and family straight from your banking app. From your kid’s babysitter to your college bestie, Zelle® can be used to send money to almost anyone you know and trust with a bank account in the U.S.

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Step 3


Choose the amount to send.

Enter the amount you want to send. If your recipient is already enrolled with Zelle®, the money will go directly into their bank account, typically in minutes. If they aren’t enrolled yet, they will get a notification explaining how to receive the money simply and quickly.

Start using Zelle® now.