We know it can be concerning if your recipient hasn't received the funds you sent. Typically, funds are sent within minutes. However, they can take one to two business days for the payment to process.

Here's a few things to keep in mind:

• Ensure your recipient is registered with Zelle®. If your recipient hasn't registered, here's how they can:
  
  • U.S. Bank customer: Simply enroll to receive money through Zelle®.  
  • Non-U.S. Bank customer: Register with their financial institution (or register with Zelle® for out of network banks).
• If the recipient's mobile number or email address isn't registered within 14 calendar days, the payment expires. The funds are then automatically returned back to your account. 
• If the recipient is unable to register to receive the funds check the status of your transaction. If available, you can cancel the request. See also, How do I edit or cancel a one-time Zelle® payment?

If you have any additional questions or concerns with your Zelle® payment, contact us at 866-578-8007.