two happy male friends hold phones within a city and send money online with Zelle

Send and Receive Money With Zelle®

Zelle® is a convenient way to send money to your friends and family using our mobile app or online banking.

Download on the Apple App Store  Get it on Google Play

Mobilize Your Money With Zelle®.

No cash on hand to split the lunch tab? No problem! Need to get paid back from a friend? On it. Do it all with Zelle®, a seamless way to send and request money from your online and mobile banking account. Getting started is super easy!

How to Start Using Zelle®:

  1. Enroll or log in to bill pay.

  2. Select “Send Money With Zelle®.”

  3. Accept the terms and conditions.

  4. Select your U.S. mobile number or email address and deposit account.

That’s it! You’re ready to start sending and receiving money with Zelle®.

Log in and Enroll Today

You’ll Love That Zelle® Payments Are:

Fast

Send money directly from your account to theirs, typically in minutes.1

Safe

Send and receive money with Zelle® right from online bill pay or our mobile app.

Easy

Send money using just their email address or U.S. mobile number.2

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Download Our Mobile App to Start Using Zelle® Today!

Download on the Apple App Store  Get it on Google Play

Frequently Asked Questions:

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.

To start using Zelle® with Gate City Bank, you must be enrolled in bill pay. If you aren’t already enrolled in bill pay, you can enroll by logging in to online banking or our mobile app, then follow a few simple steps. Once enrolled in bill pay, you can start using the “Send Money With Zelle®” tab, as well as tell us which email address or U.S. mobile number and deposit account you would like to use to send and receive money with Zelle®.

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

Download on the Apple App Store  Get it on Google Play

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.

(Psst. More questions? Here is the full list of Zelle® FAQs.)

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 Gate City Bank logos
Zelle® and the Zelle®-related marks are wholly owned by Early Warning Services, LLC, and are used herein under license.

Apple, the Apple logo, iPhone, iPad, Apple Watch and Touch ID are trademarks of Apple, Inc., registered in the U.S. and other countries.

Google, Google Pay and Android are trademarks of Google, LLC.

Transaction limits may apply.

Zelle® is not currently available for use for Gate City Bank business customers.