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NOTICE: The financial community is seeing an aggressive increase in scams and phishing. We will never contact you to ask for your username, password, PIN, verification codes/code word, or card/account numbers. If you are concerned about a text, call or email you receive, please contact our service center at 1-800-453-8188.

NOTICE: The financial community is seeing an aggressive increase in scams and phishing.

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Zelle® FAQs

Two young women using Zelle on their smartphone

With Zelle® you can skip the ATM, send the gift of money, split the cost of the dinner bill with friends – even request half the rent from your roommate.

What is Zelle®?

Zelle® is a fast, safe, and easy way to send money directly between almost any bank accounts 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.1

Who can I send money to with Zelle®?

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.

How do I use Zelle®?

You can send, request, or receive money with Zelle®.

To get started, log in to UCCU’s online banking or mobile app, navigate to the Transactions menu, and select “Send Money With Zelle®.” Accept the terms and conditions, and enter your email address or U.S. mobile phone number. You will receive a one-time verification code, enter it and you’re ready to start sending and receiving with Zelle®.

In order to send money using Zelle®, simply add a trusted recipient’s email address or U.S. mobile phone number. Then, you will enter the amount you wish to send. In most cases, the money is available to your recipient in minutes.1

To request money using Zelle®, choose “Request,” and select the individual from whom you’d like to request money. Then, enter the amount you’d like to request, review and hit “Request.”2

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®.

Someone sent me money with Zelle®. How do I receive it?

If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your bank account and will be available typically within minutes.

If you have not yet enrolled with Zelle®, follow these steps:

  1. Click on the link provided in the payment notification you received via email or text message.
  2. Select UCCU.
  3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification – you should enroll with Zelle® using that email address or U.S. mobile number where you received the notification to ensure you receive your money.
What types of payments can I make with Zelle®?

Zelle® is a great way to send money to family, friends, and people you are 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 friends, family, and others you trust.

Neither UCCU nor Zelle® offers 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 what you expected.

How do I get started?

It’s easy – Zelle® is already available within UCCU’s mobile banking app and online banking within the Transactions menu! Check our app or sign in online and follow a few simple steps to enroll with Zelle® today.

What if I want to send money to someone whose financial institution doesn’t offer Zelle®?

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 enter their basic contact information. The information needed is an email address and U.S. mobile number and a Visa or Mastercard debit card3. Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.

How does Zelle® work?

When you enroll with Zelle® you will share your name, the name of your financial institution, and email address or U.S. mobile number with Zelle®. You can use your online banking or mobile app to enroll. What’s more, no sensitive account details are shared – those stay with UCCU.

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 UCCU of the incoming payment. UCCU then directs the payment into your bank account, all while keeping your sensitive account details private.

Can I use Zelle® internationally?

In order to use Zelle®, the sender’s and recipient’s bank accounts must be based in the U.S.

Can I cancel a payment?

You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle®. You can check whether the payment is still pending because the recipient hasn’t enrolled by going to your activity page. Once on the 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 cannot be canceled. This is why 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 when sending money.

If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, please call our customer service team at (801) 223-8188 so we can help you.

Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are available from UCCU. These payments are a separate service from Zelle® and can take one to three business days to process.

You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

How long does it take to receive money with Zelle®?

Money sent with Zelle® is typically available to an enrolled recipient within minutes.

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 be available directly in your recipient’s account, typically within minutes.

If your payment is pending, we recommend confirming that the person you sent money to has completed enrollment with Zelle®.  You will also want to verify that you entered the correct email address or U.S. mobile phone number.

In the case 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 our customer support team at (801) 223-8188.

Will the person I send money to be notified?

Yes! They will receive a notification via email or text message.

Is my information secure?

Keeping your money and information safe is a top priority for UCCU. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe.

I’m unsure about using Zelle® to pay someone I don’t know. What should I do?

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 should not use Zelle® for these types of transactions.

These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither UCCU nor Zelle® offers 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.

What if I get an error message when I try to enroll an email address or U.S. mobile number?

Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call our customer support team at (801) 223-8188 and ask them to move your email address or U.S. mobile phone number to your financial institution so you can use it for Zelle®.

Once customer support moves your email address or U.S. mobile phone number, it will be connected to your bank account so you can start sending and receiving money with Zelle® through your UCCU banking app and online banking. Please call our customer support team at (801) 223-8188 for help.

1U.S. checking or savings account is required to use Zelle®. Transactions between enrolled consumers typically occur in minutes.

2In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®.

3Must be a U.S.-based account (does not include U.S. territories).

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