When sending money, consider letting your recipient know to expect a notification when it’s sent. This will help ensure the recipient is aware of funds arriving. The notification is sent as a text if you send the payment to their mobile number. Or as an email if you send the payment to their email address.

To send money with Zelle® using online banking and the U.S. Bank Mobile App

1. Select Transfer & pay, then choose Send & request money with Zelle®.
2. Select Send money, then choose your recipient.
   • Select their email address, mobile number or Zelle® tag (business accounts only).
   • You can add a new recipient during this step if they're not on your list.
3. Complete the form, then select Review. 
   • Enter an amount you’d like to send.
     See also: How much money can I send or request using Zelle®?
   • Optional: Add a memo.
   • Select the checking or savings account to send money from.
   • Optional: Select the calendar icon and choose a new day if you want to send money on a future date. Otherwise, the date defaults to the same day.
   • Optional: Mark the check box/toggle for Repeat this payment if you want it to recur.
4. Mark the check box to acknowledge that once the payment is sent from your account, it can’t be cancelled.
5. Review the details entered to send money. If correct, select Send.

More information

Important: If you receive a one-time passcode prompt and don’t successfully verify it, the Zelle transaction will be cancelled.
See also: What is a one-time passcode?

The notification is sent as a text if you send the payment to their mobile number. Or as an email if you send the payment to their email address.

Registered recipients: No further action is needed as long as their financial institution supports automatic deposit. If their financial institution doesn't support it, they'll need to manually accept the payment. 

Non-registered recipients:

• The notice includes instructions on how the recipient registers with their financial institution to claim the money. 
• They’ll need to register the mobile number or email address with Zelle® that the funds were sent to.
  Note: Both can be registered at the same time, if desired. 
• If the mobile number or email address isn't registered within 14 calendar days, the payment expires, and funds are returned to your account. 

Visit Zelle’s Digital Payment Education page to learn more about using Zelle safely and avoid common scams.