Frequently Asked Questions
Should I use Zelle® with my financial institution’s banking app or the Zelle® app?

Did you know that millions of people can use Zelle® directly with their financial institution’s banking app? If your bank or credit union offers Zelle®, you’ll need to use Zelle® within your banking app in order to send and receive money. 

Enjoy the convenience of using Zelle® within your banking app rather than a separate app. You’ll have access to Zelle® right alongside your financial institution's mobile banking features, and you can choose the account you want to use to send and receive money more easily.

What you need to do
Access Zelle® in your banking app to get started. If you’re prompted to re-enroll with Zelle® through your bank or credit union, just follow the easy steps to enroll your email or U.S. mobile number. You may also visit enroll.zellepay.com and search for your bank or credit union. Once you’re enrolled with Zelle® through your financial institution, you can begin using Zelle® directly within your banking app! 

Related Questions

Why can’t I use the Zelle® app anymore? 
The Zelle® app will soon only be available to users whose banks and credit unions do not offer Zelle® directly to their customers. Because your financial institution offers Zelle®, you can use it directly through your banking app (and online banking, if available) to send and receive money. 

What should I do now so I can continue using Zelle®
Just start using Zelle® in your banking app! Access Zelle® in your banking app to get started. Once you’re enrolled with Zelle through your bank or credit union, you should be able to see your Zelle® transaction history in your banking app. In the meantime, you’ll able to see your Zelle® payment and transaction history by checking your bank statements.  

Pro-tip: Lots of banks and credit unions offer Zelle®under the “Transfers” section in their banking app. So try searching for a section in your banking app labeled “Transfers,” or ask your financial institution if you need help finding Zelle® in your banking app.

What happens if I don’t do anything?
Soon, you’ll no longer be able to use the Zelle® app. To continue using Zelle®, you’ll need to begin using Zelle® through your banking app. If you’re prompted to re-enroll with Zelle® through your financial institution, just follow the steps within your banking app to enroll your email or U.S. mobile number. You may also visit enroll.zellepay.com and search for your bank or credit union.

What happens to my pending payments?
Any pending payments and requests you’ve sent will be cancelled. But don’t worry, once you’ve enrolled with Zelle® through your financial institution, you can start sending and receiving money again. 

My friend’s bank offers Zelle®, but she can still use the Zelle® app. Why? 
We’re phasing-in these changes. The Zelle® app will soon only be available to users whose banks and credit unions do not offer it directly to their customers through their banking app. If your friend’s bank offers Zelle®, but they can still use the Zelle® app today, they’ll receive a notice in the future with instructions on how to use Zelle® directly through a financial institution.  

Someone requested money from me, and I’m currently enrolled in the Zelle® app. The app keeps telling me to go to my bank or credit union. How can I respond to my friend’s request for money?
Follow the prompt in the Zelle® app, and enroll with Zelle® through your financial institution’s banking app. Once you’re enrolled with Zelle® through your financial institution, contact your friend and have them resend you a request. Or, if you already know the amount of money your friend is requesting, you can simply send the money with Zelle® through your banking app after you confirm their correct email or U.S. mobile number tied to the bank account they have enrolled with Zelle®

Note: When you are no longer able to use the Zelle® app, any pending payment request will be cancelled. 

My friends can see their Zelle® activity in their banking app even though they’re no longer able to use the Zelle® app. Why can’t I see mine?
Some people may be able to see previous Zelle® app activity in their banking app. But don’t worry - you can see your Zelle® payment and transaction history by simply checking your bank statements. 

Do I need to re-enroll with Zelle® through my bank or credit union if I’m already enrolled with them?
Probably not, but you can check with your financial institution to confirm. Typically, if you’re already enrolled with Zelle® through your financial institution, you’ll simply access Zelle® in your banking app to send and receive money with friends, family and others you trust. 

Can I delete my Zelle® app profile now?
Your Zelle® app profile will be automatically deleted after you’re no longer able to use the Zelle® app. If you wish to delete it now, you can contact Zelle® support.

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