It's easiest when your recipient is enrolled with Zelle® to start with. But they don't have to be. We also recommend telling your recipient before you send them money. This will give you an opportunity to ask what phone number or email address to send the funds to.

Recipients enrolled with Zelle®

• When someone is already enrolled, they'll get your payment right away, without doing anything. You can tell if they’re enrolled when a purple “Z” that appears by their name.
• Anytime money is sent, the recipient is sent a notification (i.e., mobile number registered, they get a text message; email address registered, they get an email).

Recipients not enrolled with Zelle®

• If money is sent and the recipient is not enrolled, they'll get a notice with instructions on how to register. The notice arrives by text if funds were sent to their phone number. Or the notice is an email if funds are sent to their email address.
• Once they enroll, the funds will deposit into their chosen account within one to two business days. After that, funds are typically received within minutes. 
• If the recipient doesn’t enroll within 14 calendar days from the date the money was sent, the funds are returned to the sender.

More information

Please be aware

• The recipient must be enrolled with Zelle® if they want to receive your funds.
• The recipient’s Zelle® profile must be active. If they haven’t used Zelle® within the last 18 months, their enrollment is de-activated. However, they can re-register with Zelle® to receive funds.

If there are concerns funds haven’t been received, try verifying a few things first.

• Double check the spelling and numbers of the information used to send funds (i.e., email address or phone number).
• Ask the recipient if they enrolled with Zelle® within the 14 calendar days from the date the funds were sent.
• Ask the recipient to check their deposit account information with Zelle® to verify it’s correct.

If you need further assistance, please call us at 800-USBANKS (872-2657).