Zelle

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What is Zelle^®?

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Zelle^® is a convenient way to send, receive, and request money with friends, family and others you trust directly in digital banking— no need to download another app!

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How do I use Zelle^®?

You can send, receive, or request money with Zelle^®. To get started, follow these steps:

1. Log into digital banking.
2. From your account dashboard, click the Send Money with Zelle^® menu option. On the mobile app, tap the Menu button, and then tap the Send Money with Zelle^® menu option.
3. The first time you use Zelle^®, you will be asked to confirm your contact information and read and accept the Terms and Conditions.
4. Start sending and receiving money with Zelle^®!

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How do I send money?

To send money with Zelle^®, follow these steps:

1. Log into digital banking.
2. From your account dashboard, click the Send Money with Zelle^® menu option. On the mobile app, tap the Menu button, and then tap the Send Money with Zelle^® menu option.
3. Click the Send button.
4. The first time you use Zelle^® on your mobile device, you will be prompted to allow access to your mobile device's contacts.
5. Select a recipient by clicking a contact from your contact list.

6. Type in the amount you’d like to send and click the Review button.
7. Optional: Click the Add a memo button to add a note to your payment.
8. Review the details of your payment. If everything looks good, click the Send button.

The recipient will receive an email or text message notification via the method they used to enroll with Zelle^®. Money is available to your recipient in minutes if they are already enrolled with Zelle^®.

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How do I receive money?

To receive money, just share your enrolled email address or U.S. mobile number with a friend 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 be sent directly into your FCCU account, typically within minutes

If someone sent you money with Zelle^® and 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 FCCU.
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 to ensure you receive your money.

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How do I request money?

To request money with Zelle^®, follow these steps:

1. Log into digital banking.
2. From your account dashboard, click the Send Money with Zelle^® menu option. On the mobile app, tap the Menu button, and then tap the Send Money with Zelle^® menu option.
3. Click the Request button.
4. The first time you use Zelle^® on your mobile device, you will be prompted to allow access to your mobile device's contacts.
5. Select a recipient by clicking a contact from your contact list.

6. Type in the amount you’d like to request and click the Review button.
7. Optional: Click the Add a memo button to add a note to your request.
8. Review the details of your request. If everything looks good, click the Request button.

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Is my information secure?

Keeping your money and information secure is a top priority for FCCU. When you use Zelle^® directly in digital banking, your information is protected with the same technology we use to keep your FCCU accounts safe.

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Who can I send money to 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 FCCU account to another person’s bank account within minutes¹, Zelle^® should only be used to send money to friends, family, and others you trust.

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^®. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).

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Can I pay a small business with Zelle^®?

Some small businesses are able to receive payments with Zelle^®. Ask your favorite small business if they accept payments with Zelle^®. If they do, you can pay them directly in digital banking using just their enrolled email address, U.S. mobile number, or Zelle^® tag.

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Does FCCU or Zelle^® offer purchase protection?

Zelle^® does not offer purchase protection for payments made with Zelle^®.

FCCU members with a First Down Checking or Touchdown Checking account have access to Buyer’s Protection and Extended Warranty* through BaZing Benefits.

* Buyer’s Protection and Extended Warranty:  Subject to the terms and conditions detailed in the Guide to Benefits. Insurance products are: NOT A DEPOSIT. NOT FEDERALLY INSURED. NOT AN OBLIGATION OR GUARANTEED BY THE CREDIT UNION, ITS AFFILIATES, OR ANY GOVERNMENT AGENCY.

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I believe I’ve been a victim of a scam. Who should I contact?

Please contact our customer support team at (920) 563-7305. Qualifying imposter scams may be eligible for reimbursement.

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Can I use Zelle^® internationally?

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

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Can I cancel a payment?

You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle^®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your 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^® through their bank or credit union’s mobile app, 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 know and 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, please contact FCCU at (920) 563-7305 to determine what options are available.

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Are there any fees to send money using Zelle^®?

No, FCCU does not charge any fees to use Zelle^® within digital banking. Your mobile carrier’s messaging and data rates may apply.

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