Money sent with Zelle® is typically available to an enrolled recipient within minutes.1
If you send money to someone who isn’t enrolled with Zelle®, they will receive a notification prompting them to enroll. After enrollment, the money will move directly to your recipient’s account, typically within minutes.1
If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle® and 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? Please contact us!
Zelle® is a fast, safe and easy way to send money directly between almost any bank account in the U.S., typically within minutes.1 With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.2
When you enroll with Zelle® through your online banking account or mobile banking app, your name, the name of your bank and the email address or U.S. mobile number you enrolled with is shared with Zelle® (no sensitive account details are shared).
When someone sends money to your enrolled email address or U.S. mobile number, Zelle® looks up the email address or mobile number in its “directory” and notifies your financial institution of the incoming payment. Your financial institution then directs the payment into your bank account, all while keeping your sensitive account details private.
Sending, requesting or receiving money with Zelle® is incredibly easy! Check out these helpful steps and tips:
Zelle® is a great way to send money to family, friends and people you’re familiar with, such as your personal trainer, babysitter or neighbor.1
Since money is sent directly from your bank account to another person’s bank account within minutes,1 Zelle® should only be used to send money to people you trust.
Neither Gate City Bank nor Zelle® offers a protection program for any authorized payments made with Zelle®. A good example would be if you don’t receive the item you paid for, or the item isn’t as described or as you expected.
You can send money to friends, family and others you trust.1
Since money is sent directly from your bank account to another person’s bank account within minutes,1 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.
1 U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.
2 In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®.
Zelle® and the Zelle®-related marks are wholly owned by Early Warning Services, LLC, and are used herein under license.