Zelle is an easy way to send money directly between almost any U.S. bank accounts, typically within minutes.1 With just an email address or mobile phone number, you can quickly, safely and easily send and receive money from more people, regardless of where they bank.2
America First Credit Union doesn’t charge a fee to send or receive money using Zelle.
Money sent with Zelle is typically available to an enrolled person within minutes.1 Ask your friends and family to enroll with Zelle before you send them money—this will help them get your payment more quickly.
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 into your recipient's account. Once their first payment completes, your recipient will be able to receive future payments faster, typically within minutes.1
If your payment is still 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.
In order to use Zelle, the sender and recipient’s bank accounts must be based in the U.S.
You can only cancel a payment if the recipient hasn’t yet enrolled with Zelle. Go to your activity page within the online banking or mobile app Zelle feature, choose the payment you want to cancel and select “Cancel This Payment.”
If your recipient has already enrolled with Zelle, the money is sent directly to your recipient’s bank account and cannot be canceled.
America First offers Zelle through online banking and our mobile app.
You can send, request or receive money with Zelle. After you’ve enrolled, simply add your recipient’s email address or U.S. mobile number, the amount you’d like to send or request, review and add a memo, and hit “confirm.” In most cases, the money is available in minutes.1 To receive money, just share your enrolled email address or U.S. mobile number with a friend or person you trust and ask them to send you money with Zelle.
If you have already enrolled with Zelle, you do not need to take any further action. The money will move directly into the bank account associated with your enrollment, typically within minutes.1 If you have not yet enrolled with Zelle, follow these simple steps:
1. Open the mobile app.
2. Select Send Money.
3. Follow the enrollment process.
Yes, You will access Zelle through America First online banking or our mobile banking app which follow strict authentication procedures.
Zelle is a great way to send money to family, friends and people you are familiar with, such as your personal trainer, babysitter or a neighbor. 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), we recommend not using Zelle for these types of transactions, as they are potentially high risk.
Zelle does not offer a protection program for any authorized payments made with Zelle—for example, if you do not receive the item you paid for or the item is not as described or as you expected.
You are protected in the unlikely event an unauthorized user accesses your accounts and initiates transfers using America First online or mobile banking.
However, because Zelle is intended to replace the use of cash and checks, you do not have the same protections associated with a debit card transaction. Once you send money with Zelle, you cannot cancel the payment if it has already been processed.
For your security, America First restricts the amount of money you can send to recipients. There are daily and 30-day (rolling) limits. The standard amount you can send is $2,500.00 per transaction and up to $2,500.00 per week, with a $5,000.00 maximum amount per month.
1Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.
2Must have a bank account in the U.S. to use Zelle.