Who can I send money to with Zelle^®?

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:

1. To get started, log in to online banking or your mobile app, navigate to Zelle^® and select “Send Money with Zelle^®.” Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it and you’re ready to start sending and receiving with Zelle^®.
2. To send money using Zelle^®, simply add a trusted recipient’s email address or U.S. mobile phone number, enter 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 minutes.¹
3. To request money using Zelle^®, choose “Request,” select the individual(s) from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request.”²
4. 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 with Zelle^®.

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 find a full list of participating banks and credit unions live with Zelle^® here.

If your recipient’s financial institution isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle^® by downloading the Zelle^® app for Android and iOS.

To enroll with the Zelle^® app, your recipient will simply need to enter their basic contact information, an email address or U.S. mobile number and a Visa^® or Mastercard^® debit card with a U.S.-based account (doesn’t include U.S. territories). Zelle^® doesn’t accept debit cards associated with international deposit accounts, or any credit cards.