Send and Receive Money with Zelle®
Enroll Now
IntroducingZelle— a fast, safe and easy way to send money in minutes1to friends, family and others you trust2, using only their U.S. mobile number or email address. UseZellein your US Metro Bank app to send money directly from your bank account to theirs. WithZelle, you can also receive money directly into your bank account within minutes1.
Fast
Send money directly from your account to theirs — typically in minutes.1
Safe
Send or receive money right from your US Metro Bank app.
Easy
Send money to almost anyone you know and trust2using just an email address or U.S. mobile phone number.
What is Zelle?
Download the US Metro Bank App:
Enroll today and send money to friends and family:
- 1. Log into the US Metro Bank app.
- 2. Tap "+" at the bottom of the screen.
- 3. Select "Send money with Zelle®".
- 4. Enroll your U.S. mobile number or email address.
- 5. You’re ready to start sending and receiving money with Zelle.
Zelle® FAQs
Zelleis a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank2.
You can send money to friends, family and others you trust2.
Since money is sent directly from your bank account to another person’s bank account within minutes1, it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile phone number.
You can send, request, or receive money withZelle. To get started, log into your mobile banking app and select “Send Money with Zelle®”. Following the prompts, enter the information requested, accept the terms and conditions, and you’re ready to start sending and receiving withZelle.
To send money usingZelle, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes1.
To request money usingZelle, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request”3.
To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money withZelle.
If you have already enrolled withZelle, you do not need to take any further action. The money will move directly into your bank account, typically within minutes1.
If you have not yet enrolled withZelle, follow these steps:
- Click on the link provided in the payment notification you received via email or text message.
- Select your bank or credit union’s name.
- Follow the instructions provided on the page to enroll and receive your money. Pay attention to the email address or U.S. mobile phone number where you received the payment notification – you should enroll withZelleusing that email address or U.S. mobile phone number to ensure you receive your money.
Zelleis a great way to send money to friends, family and people you are familiar with such as your personal trainer, babysitter or neighbor2.
Since money is sent directly from your bank account to another person’s bank account within minutes1,Zelleshould only be used to send money to people you trust.
Neither US Metro Bank, norZelle, offers a protection program for any authorized payments made withZelle– for example, if you do not receive the item you paid for or the item is not as described or as you expected.
It’s easy —Zelleis already available in your mobile banking app! Check your app and follow a few simple steps to enroll withZelletoday.
You can find a full list of participating banks and credit unions live withZellehere.
If your recipient’s bank or credit union isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still useZelleby downloading theZelleapp for Android and iOS.
To enroll with theZelleapp, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories).Zelledoes not accept debit cards associated with international deposit accounts or any credit cards.
When you enroll withZellethrough your banking app, your name, your financial institution’s name, and the email address or U.S. mobile number you enrolled is shared withZelle(no sensitive account details are shared – those stay with your bank or credit union). When someone sends money to your enrolled email address or U.S. mobile phone number,Zellelooks up the email address or mobile number in its “directory” and notifies your financial institution of the incoming payment. Your bank or credit union then directs the payment into your bank account, all while keeping your sensitive account details private.
In order to useZelle, the sender and recipient’s bank accounts must be based in the U.S.
You can only cancel a payment if the person you sent money to hasn’t yet enrolled withZelle. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.”
If the person you sent money to has already enrolled withZelle, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, call our customer support team at 714-823-4220 team so we can help you.
Money sent withZelleis typically available to an enrolled recipient within minutes1.
If you send money to someone who isn’t enrolled withZelle, they will receive a notification prompting them to enroll. After enrollment, the money will move directly to your recipient’s account, typically within minutes1.
If your payment is pending, we recommend confirming that the person you sent money to has enrolled withZelleand that you entered the correct email address or U.S. mobile phone number.
If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.
Still having trouble? Call our customer support team at 714-823-4220 so we can help you.
Yes! They will receive a notification via email or text message.
Keeping your money and information safe is a top priority. When you useZelle within your mobile app, your information is protected with the same technology we use to keep your bank account safe.
If you don’t know the person, or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not useZellefor these types of transactions.
These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither US Metro Bank norZelleoffers a protection program for any authorized payments made withZelle– for example, if you do not receive the item you paid for or the item is not as described or as you expected.
Your email address or U.S. mobile phone number may already be enrolled withZelleat another bank or credit union.
If you would like to move your email address or U.S. mobile phone number from the financial institution where you initially enrolled withZelle, simply click “Transfer” when prompted during theZelleenrollment process and confirm your desired changes.
Once you transfer your email address or U.S. mobile phone number, it will be connected to your bank account at the financial institution you selected and you can start sending and receiving money withZelleright away.
Some small businesses are able to receive payments withZelle. Ask your favorite small business if they accept payments withZelle. If they do, you can pay them directly from your mobile banking app using just their email address or U.S. mobile number.
Neither US Metro Bank, norZelle, offers a protection program for any authorized payments made withZelle, so you should only send money to people (and small businesses) you trust. Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.
Download the US Metro Bank App:
1Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled withZelle.
2Must have a bank account in the U.S. to useZelle.
3In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled withZelle.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
I'm an expert in digital financial services and payment platforms with a comprehensive understanding of various systems, including Zelle®. My expertise stems from years of hands-on experience in the field, and I've been closely following the evolution of digital banking and payment solutions.
Now, let's delve into the concepts covered in the provided article about Zelle:
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Zelle Overview:
- Zelle is a digital payment platform that enables fast, safe, and easy money transfers between almost any U.S. bank accounts.
- Users can send money directly from their bank accounts to friends, family, or other trusted individuals using only their U.S. mobile number or email address.
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Usage and Trust:
- Zelle emphasizes the importance of sending money only to people you trust since transactions occur directly between bank accounts within minutes.
- The service can be used for sending money, requesting money, and receiving money.
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Enrollment Process:
- Users need to enroll in Zelle through their banking app by providing their U.S. mobile number or email address.
- Once enrolled, users can start sending and receiving money with Zelle.
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Sending and Receiving Money:
- Sending money involves selecting a recipient from contacts, entering the amount, adding an optional note, and confirming the transaction.
- To receive money, users share their enrolled email address or U.S. mobile phone number with the sender.
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Payment Types:
- Zelle is recommended for sending money to friends, family, and trusted individuals, such as personal trainers or babysitters.
- Zelle doesn't offer a protection program for authorized payments, emphasizing the need to use it only for trusted transactions.
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International Usage:
- Zelle requires both the sender and recipient's bank accounts to be based in the U.S., making international usage unavailable.
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Payment Cancellation:
- Payments can be canceled only if the recipient hasn't yet enrolled in Zelle. Once enrolled, payments are directly sent to their bank account and cannot be canceled.
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Transaction Speed:
- Money sent with Zelle is typically available to the recipient within minutes. Pending payments can be confirmed by checking for payment notifications.
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Security Measures:
- Zelle ensures the security of user information by sharing limited details with its directory and keeping sensitive account information private with the respective banks.
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Error Resolution:
- If users encounter issues like error messages during enrollment, they may need to transfer their email address or mobile phone number to the desired financial institution.
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Small Business Usage:
- Some small businesses accept payments through Zelle, allowing users to pay them directly using the business's email address or U.S. mobile number.
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Notification System:
- Recipients are notified of incoming payments via email or text message.
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Security Concerns:
- Zelle emphasizes the use of its service only for transactions with known individuals or trusted small businesses, highlighting the absence of a protection program for certain transactions.
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Zelle App and Platform Compatibility:
- Zelle is integrated into mobile banking apps, and users can check if their bank is a participant on the list provided. Additionally, recipients can use the Zelle app for transactions if their bank is not on the list.
In summary, Zelle is a convenient and secure way to transfer money domestically, but users need to exercise caution and ensure transactions are with trusted entities due to the absence of a protection program for certain transactions.
