What is an Instant Transfer (2024)

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Does Send Money with Zelle® transfer money to another person within minutes?

Send Money with Zelle®is a way to transfer money to another person quickly and easily. When you and your recipient are both registered with Zelle®, funds are debited from your account and sent to your recipientwithin minutes. They are notified that you've sent the money and it will be deposited into their account right away.It works the same way when someone sends you money within minutes. All transfers are free.

Please note: To be able to send or receive within minutes, the sender's instant limits cannot be exceeded. If the sender's instant limits have been exceeded, the payment is ineligible to send or receive within minutes and the payment will go either "Next Day" or "Three Day ACH". Limits cannot be temporarily or permanently changed at this time.

When sending a payment by selecting the account number option instead of a US mobile number or email address for your recipient, the payment will be delivered within 1 to 3 business days. Set up your contact with their mobile number or email address instead for a typically faster payment.

Ask your recipient to enroll with Zelle before you send them money as this will help them get your payment more quickly.

Send Money with Zelle®, is available for most personal checking and money market accounts. To use Send Money with Zelle®, you must have an Online Banking profile with a U.S. address, a unique U.S. mobile phone number, and an active unique e-mail address. Your eligible personal deposit account must be active and enabled for ACH transactions and Online Banking transfers. Message and data rates may apply, check with your wireless carrier.

Must have a bank account in the U.S. to use Send Money with Zelle®. Transactions typically occur in minutes between enrolled users. If your recipient is not already enrolled with Zelle, funds won't be delivered until they enroll. Transaction limitations apply.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Send Money with Zelle®is only available in English in secure Online and Mobile Banking.

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What is an Instant Transfer (2024)
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