Send Money with Zelle® FAQs

Zelle is a convenient way to send money to people you know and trust, such as friends, family, neighbors and coworkers. You can also request and receive money from others.

UW Credit Union members can access Zelle through Web Branch or our Mobile App to send and receive money directly between almost any bank account in the U.S.

You can send money to almost anyone with a bank account in the U.S. by using their email address or U.S. mobile phone number.

Since money is sent directly from your account to another person’s account, 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 phone number.

Your recipient can use Zelle through their financial institution or by downloading the Zelle app for Android and iOS, if their financial institution does not yet offer Zelle. (See a list of participating financial institutions.)

UW Credit Union does not charge any fees to use Zelle. Keep in mind your mobile carrier may charge data and usage fees when you use your mobile device.

Log in to Web Branch or our Mobile App and select “Send Money with Zelle®”. When using for the first time, you’ll be asked to accept the terms and conditions and confirm your contact information is correct.

To send money, enter a trusted recipient’s email address or U.S. mobile phone number, add the amount you’d like to send and an optional memo, review, then hit “Send.”

Your recipient will be notified of your payment via email or text message. If they are already enrolled with Zelle, they will typically receive money within minutes. If they are not yet enrolled, they will need to complete a one-time enrollment. If your recipient does not enroll within 14 days, the money will be returned to your account.

Zelle is a convenient way to send money to almost anyone with a bank account in the U.S. whom you know and trust. Examples include paying back a friend for dinner, contributing money to buy a gift for a coworker, or sending money to your children’s babysitter.

Zelle should not be used for the purchase of goods as there is no payment protection if you do not receive what you paid for or the item you receive is not as described or expected.

Yes, they will receive a notification via email or text message.

Share your enrolled email address or U.S. mobile phone 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 to receive a payment. The money will move directly into your account.

If 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 UW Credit Union.
3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile phone number where you received the payment notification—you should enroll with Zelle using that email address or U.S. mobile phone number to ensure you receive your money.

Log in to Web Branch or our Mobile App and select “Send Money with Zelle®”. Choose “Request,” select the individual(s) from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review, then hit “Request.” In order to send a payment request to a U.S. mobile number, the mobile number must already be enrolled in Zelle. Payment requests to persons not already enrolled with Zelle must be sent to an email address.

When you enroll with Zelle through Web Branch or our Mobile App, the email address or U.S. mobile phone number you use to enroll is shared with Zelle (no sensitive account details are shared—those stay with UW Credit Union).

When someone sends money to your enrolled email address or U.S. mobile phone number, Zelle looks up the email address or U.S. mobile phone number in its “directory” and notifies UW Credit Union of the incoming payment. UW Credit Union then directs the payment into your account, all while keeping your sensitive account details private.

To use Zelle, both the sender’s and recipient’s bank accounts must be based in the U.S.

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, the money is sent directly to their 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 phone number when sending money. 

If your recipient is already enrolled with Zelle, they will typically receive payment in minutes.

If your recipient is not yet enrolled with Zelle, they will receive a notification prompting them to enroll. After enrollment, it may take between 1 and 3 business days for your recipient to receive their first payment for security purposes. Once enrolled, your recipient will be able to receive future payments faster, typically within minutes.

When you use Zelle within Web Branch or our Mobile App, your information is protected with the same technology UW Credit Union uses to keep your accounts safe.

Zelle uses only your email address or U.S. mobile phone number to send and receive payments—so your account information stays private. UW Credit Union does not share your account details with Zelle.