Zelle® General Questions

Zelle is a fast, safe, and easy way to send money directly between almost any bank account in the U.S., typically within minutes¹. With just an email address or U.S. mobile phone number, you can send money to people you know and trust, regardless of where they bank².

Zelle and the Zelle-related marks are wholly owned by Early Warning Services, LLC, and are used herein under license.

Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.

  • Must have a bank account in the U.S. to use Zelle.
  • Must be at least 18 years old to use Zelle.

You can send money to friends, family, and others you trust².

Since money is sent directly from your bank account to another person's account within minutes¹, it's important to only send money to people you trust and always ensure you've used the correct email address or U.S. mobile number.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC, and are used herein under license.

Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle.

Must have a bank account in the U.S. to use Zelle.

Must be at least 18 years old to use Zelle.

You can send, request, or receive money with Zelle.

To get started, log into online banking or your mobile app, navigate to Bill Pay and select 'Send Money with Zelle®.' Accept the terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, and enter it. You're ready to start sending and receiving with Zelle.

To send money using Zelle, add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit 'Send.' In most cases, the money is available to your recipient in minutes¹.

To request money using Zelle, choose 'Request,' select the individual from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review, and hit 'Request'³.

To receive money, share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC, and are used herein under license.

Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle.

Must have a bank account in the U.S. to use Zelle.

Must be at least 18 years old to use Zelle.

In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle.

If you have already enrolled with Zelle, you do not need to take any further action. The money will move directly into your bank account, typically within minutes¹.

If you have not yet enrolled with Zelle, follow these steps:

  • Click on the link in the payment notification you received via email or text.
  • Select Armed Forces Bank.
  • 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 where you received the notification to ensure you receive your money.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC, and are used herein under license.

¹Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled 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.²

Since money is sent directly from your bank account to another person's account within minutes1, Zelle should only be used to send money to friends, family, and others you trust.

Neither Armed Forces Bank nor Zelle offers a protection program for any authorized payments made with Zelle. For example, if you do not receive the item you paid for or the item is not as described or as you expected.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC, and are used herein under license.

Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle.

Must have a bank account in the U.S. to use Zelle.

Must be at least 18 years old to use Zelle.

It's easy – Zelle is already available within online Bill Pay and your mobile banking app! Check our app or sign-in online and follow a few simple steps to enroll with Zelle today.

Must be at least 18 years old to use Zelle.
You can find a full list of participating banks and credit unions live with Zelle here.

If your recipient's financial institution isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle by downloading the Zelle app for Android and iOS.

To enroll with the Zelle app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle does not accept debit cards associated with international deposit accounts or any credit cards.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
When you enroll with Zelle through your online banking Bill Pay account, or mobile banking app, your name, the name of your financial institution, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with your financial institution).

When someone sends money to your enrolled email address or U.S. mobile number, Zelle looks up the email address or mobile number in its 'directory' and notifies your financial institution of the incoming payment. Your financial institution then directs the payment into your bank account, all while keeping your sensitive account details private.

Must be at least 18 years old to use Zelle.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
In order to use Zelle, the sender and recipient's bank accounts must be based in the U.S.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
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 bank account and cannot be canceled. This is why it's important to only send money to people you 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, we recommend contacting the recipient and requesting the money back. If you aren't able to get your money back, please contact Armed Forces Bank customer service at 888-929-2265.

Scheduled and recurring payments are features provided by Armed Forces Bank in our online banking and mobile banking app and are not features of Zelle. Please contact Armed Forces Bank customer service at 888-929-2265 with any questions concerning scheduling or recurring payments.

You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.
Money sent with Zelle is typically available to an enrolled recipient within minutes1.

If you send money to someone who isn't enrolled with Zelle, they will receive a notification prompting them to enroll. After enrollment, the money will move directly to your recipient's account, typically within minutes1.

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle and that you entered the correct email address or U.S. mobile phone number.

If you're waiting to receive money, you should check to see if you've received a payment notification via email or text message. If you haven't received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Must be at least 18 years old to use Zelle.

Still having trouble? Please contact Armed Forces Bank's customer service at 888-929-2265.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

¹Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.
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 for these types of transactions.

These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither Armed Forces Bank nor Zelle offers a protection program for any authorized payments made with Zelle – for example, if you do not receive the item you paid for or the item is not as described or as you expected.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Call our customer support team and ask them to move your email address or U.S. mobile phone number to your financial institution so you can use it for Zelle.

Once customer support moves your email address or U.S. mobile phone number, it will be connected to your bank account so you can start sending and receiving money with Zelle through your financial institution's mobile banking app and online banking. Please call Armed Forces Bank's customer service at 888-929-2265 for help.
Please review the linked PDF for step by step visual instructions of what to do. 








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