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Send and Receive Money with Zell

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Zelle® is a fast, safe and easy way to send money to friends and family.

We have partnered with Zelle® to bring you a fast, safe and easy way to send and receive money with friends, family and other people you trust.2 Zelle® is available right from online and mobile banking so you don’t need to download anything new to start sending and receiving money!

Using Zelle® is:


Send money directly from your account to theirs, typically in minutes2


Send and receive money right from Bill Pay online or our UCCU Mobile Banking app


There are no fees to send money online or through the mobile banking app

Enroll Now to Get Started

1. Log in to Online Banking on a desktop or the mobile app

2. Select “Send Money With Zelle®” from the Transfers menu

3. Enroll your U.S. mobile number or email address

4. Start sending money to friends and family

What is Zelle®?

Zelle® is a digital payments network designed to simplify and expedite the process of transferring money between individuals. Utilizing your mobile device or computer, Zelle® facilitates swift and secure transactions directly from one bank account to another, typically within minutes. Whether you’re splitting the tab at dinner, contributing to a group gift, or reimbursing a friend, Zelle® offers a convenient and efficient solution to traditional cash or check payments. Its seamless integration with major banks and credit unions across the United States makes it accessible to a wide range of users embarking on various financial transactions, from everyday expenses to larger purchases such as property investments. Amidst the complexities of modern finance, this payment service serves as a beacon of simplicity and reliability, enabling users to navigate their financial obligations with ease.

How do I use Zelle®?

Using Zelle® is a straightforward process that begins with establishing an account with a participating financial institution, such as your preferred bank or credit union. UCCU has partnered with Zelle®. Once enrolled, you can access the payment software through UCCU’s online banking platform or dedicated mobile app. From there, initiating a transfer is as simple as selecting the Zelle® option, specifying the recipient’s contact information (either their email address or mobile phone number), and indicating the desired amount to be transferred. Zelle® then facilitates the transaction securely, providing both the sender and recipient with real-time notifications and updates. Whether you’re settling bills, sending gifts, or reimbursing expenses, Zelle® streamlines the transfer process, offering a hassle-free solution for managing your finances.

Is Zelle® safe to use?

Yes. Zelle® prioritizes the security and integrity of its users’ financial transactions, employing robust encryption and authentication measures to safeguard sensitive information. Backed by leading financial institutions and banks, Zelle® adheres to stringent security protocols to protect against fraud, unauthorized access, and other potential risks. Additionally, Zelle’s® integration with established banking systems and networks ensures seamless compatibility and interoperability, further enhancing the reliability and trustworthiness of the platform. While it’s essential to exercise caution and vigilance when conducting online transactions, the track record of safety and reliability instills confidence among users seeking a secure and efficient payment solution.

Are there any fees associated with using Zelle®?

Zelle® typically does not impose fees for its basic services. This allows users to send and receive money without incurring additional charges. However, it’s important to review the terms and conditions of your financial banking partner, as certain banks may have policies or restrictions regarding transactions. While Zelle® itself does not levy fees, your bank or credit union may impose limits on transaction amounts, frequency, or other parameters. By familiarizing yourself with your institution’s policies and guidelines, you can maximize the benefits of the software while lowering any potential costs or fees. Additionally, considering factors such as closing costs, property taxes, and long-term financial planning can help you budget effectively and make informed decisions regarding your money.

How long does it take for a Zelle® transfer to go through?

Zelle® transfers typically expedite the movement of funds, often completing within minutes of initiation, provided that both the sender and recipient banks are participants in the network. This rapid processing time distinguishes Zelle® from traditional methods of money transfer, which may involve delays or processing times spanning several days. However, while Zelle® prioritizes speed and efficiency, several factors can influence the duration of a transfer. This includes the participating banks’ processing capabilities, the amount being transferred, and the time of initiation.

It’s essential to consider these variables when planning transactions to ensure timely delivery of funds. Additionally, transactions initiated outside of standard banking hours, such as weekends or holidays. This may experience slightly longer processing times due to reduced operational capacity. Despite these potential variations, Zelle® remains a reliable and expedient option for transferring money, offering users unparalleled convenience and flexibility in managing their financial transactions.

Do I need to download a Zelle® App?

No. Everything you need to utilize Zelle® can be found in the UCCU Mobile app. Download the app, login and go to the main menu. Select “Transaction” and click on “Send Money with Zelle®.

For more information, visit uccu.com, or contact us with any questions you may have.

We’re here to help

Call or Text

(801) 223-8188
Mon – Fri: 8:00 am – 6:00 pm
Sat: 9:00 am – 2:00 pm

Submit a Question to our Support Team

or send us a message from inside online banking.

Stop by a Branch

Find a Location

1 Mobile network carrier fees may apply.
2 A U.S. checking or savings account is required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees.
Zelle® and the Zelle-related marks are wholly owned by Early Warning Services, LLC, and are used herein under license.