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Sign Up!BankOn accounts pay a fee to use Zelle®. Otherwise, Gate City Bank doesn’t charge any other fees to send or receive money with Zelle®. However, there is a fee to cancel a Zelle® transaction that is still pending due to the recipient having not yet enrolled. If the recipient doesn’t enroll with Zelle® within 14 days, the payment will naturally expire, the funds will be returned to your account and no fees will be assessed. (Note: Your mobile carrier’s messaging and data rates may still apply.)
To get started with Zelle®, log in to online banking or our mobile banking app and navigate to Zelle®. Accept the terms and conditions, enter your email address or U.S. mobile number and share your deposit account. From there, you’ll receive a one-time verification code. Enter it and you’ll be ready to start using Zelle®.
Sending, requesting and receiving money with Zelle® is as easy as one-two-three:
Zelle® is a great way to send money to family, friends and people you are familiar with, such as your personal trainer, babysitter or neighbor.2
Since money is sent directly from your Gate City Bank account to another person’s bank account within minutes,2 Zelle® should only be used to send money to friends, family and others you know and trust.
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 use Zelle®. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk.)
In order to use Zelle®, the sender and recipient’s bank accounts must be based in the U.S.
You can only cancel a Zelle® payment if the person you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending for this reason, simply visit 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 with Zelle®, the money is sent directly to their bank account and can’t be canceled. Remember: It’s important to only send money to people you trust. Also, always make sure you use the correct email address or U.S. mobile number when sending money.
If you sent money to the wrong person, please contact us right away so we may best assist you.
Zelle® is compatible with many banks through their mobile apps. In the event this isn’t the case for someone you’re trying to send money to, there’s a solution: The recipient need only enroll with the Zelle® app by entering their email address, U.S. mobile number and a Visa® or Mastercard® debit card with a U.S.-based account (doesn’t include U.S. territories). Note: Zelle® doesn’t accept debit cards associated with international deposit accounts, nor does it accept any credit cards.
1 Payment requests to persons not already enrolled with Zelle® must be sent to an email address.
2 To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.
Zelle® and the Zelle®-related marks are wholly owned by Early Warning Services, LLC, and are used herein under license.