Frequently Asked Questions

Enroll with the Zelle® App Using Your Online Banking Username & Password

Some banks let you enroll with the Zelle app using your online banking username and password. If your bank supports this feature, it’s an easy way to link your bank account.

How do I know that my username and password for my bank are safe?

When you’re prompted to provide your online banking username and password, you’ll be directed to your bank’s secure site. After you enter your online banking information, you’ll be redirected back to the Zelle app.

Why do I have to set up a different password for Zelle?

This password is for the Zelle app and is an additional security feature. Initially, you’ll use your online banking username and password to link your bank account to the Zelle app. After you’re enrolled, you’ll use your Zelle password to log into the Zelle app. You can also use Touch ID or Fingerprint to log in if your phone offers that feature.

How fast will my payment process using my bank account?

Money sent with Zelle is typically available to an enrolled recipient within minutes1. If the recipient is not yet enrolled, it may take one to three business days after the recipient has enrolled for the money to be available.

Are there limitations with the type of account I can use?

Yes, your bank will determine which of your accounts are eligible. We do not accept credit cards, international debit cards or international deposit accounts. Checking accounts must be based in the U.S.

Are there benefits to using my online banking username and password to enroll in the Zelle app?

Yes! Rather than searching for your wallet and debit cards, you can simply enter your online banking username and password to securely access your bank accounts. You will have access to your account balances, Zelle transaction history and the flexibility of choosing which of your accounts (within the same bank) you want to use to send and receive money. All from the Zelle app!

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