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Zelle® is a great way to send money to friends, family and others – such as your personal trainer, babysitter or neighbor.
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 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 shouldn’t use Zelle® to complete that transaction.
It should be noted that neither Gate City Bank nor Zelle® offers purchase protection for payments made with Zelle®. For example, if you don’t receive the item you paid for or the item is not as described and you used Zelle® to complete the transaction, there would be no purchase protection that would assist you in getting that spent money returned.
While there are sometimes limits on how much money you can send with Zelle®, there are no limits on the amount of money you can receive with Zelle®. (Note: The person sending you money might have limits set by their own financial institution.) To view your sending limits, simply navigate to the “Send Money” screen and select “View Limits.”
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 U.S. checking or savings account required to use Zelle®. 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.
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