Does Zelle® offer purchase protection?

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.¹

Since money is sent directly from your Gate City Bank account to another person’s bank account within minutes,¹ 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 higher risk (just like sending cash to a person you don’t know has a higher risk than using a debit card.)

How do I send and receive money using a Zelle® QR code?

Once enrolled with Zelle®, the Zelle® QR code provides peace of mind in ensuring you're sending money to the right person every time. No email address or phone number required – just scan the code and send!

To receive money using a Zelle® QR code:

1. Log into the Gate City Bank mobile app.
2. Navigate to “More” located in the bottom right corner, then click “Bill Pay/Zelle®,” and tap “Zelle®.”
3. Then click “Send money with Zelle®” and tap the settings icon located in the upper right corner. Once your personalized Zelle® QR code displays on-screen, others are able to scan that QR code and send you money.

To send money using a Zelle® QR code:

1. Log into the Gate City Bank mobile app.
2. Navigate to “More” located in the bottom right corner, then click “Bill Pay/Zelle®” and tap “Zelle®.” 
3. Click “Send money with Zelle®” then select the “Quick Send” icon.
4. Then tap “Send money with Zelle®” and tap the QR code icon you see next to "Quick Send."
5. Next, click the "Scan QR Code" button, which will open up your phone's camera.
6. Point your camera at the recipient’s Zelle® QR code, enter the amount and hit “Send.” The money will then be on its way!

Keeping your money and information safe is a top priority for Gate City Bank. When you use Zelle® within the mobile app or online banking, your information is protected with the same technology we use to keep your Gate City Bank account safe.

Don’t have our mobile app? Download it today:

To access Zelle® and online bill pay in our mobile app, simply navigate to “More” at the bottom of your screen and select “Bill Pay/Zelle.”

You may already be enrolled with Zelle® at another bank or credit union. Simply give us a call at 701-293-2400 or 800-423-3344, and we can help move your email address or U.S. mobile phone number to Gate City Bank. That way, you can send and receive money with Zelle® using our mobile app and online banking.

Don’t have our mobile app? Download it today: