Zelle

If you answer your authentication questions incorrectly, your account will be locked. To unlock your account, contact Member Solutions at 877-794-6712.

Your contact receives an email or text with instructions.

A personal message gives your contacts the reason for the request and the confidence that they are receiving a valid request.

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

Zelle is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor². Zelle should only be used to send money to people you trust. Neither your financial institution nor Zelle offers a protection program for any authorized payments made with Zelle. Money sent through Zelle cannot be recovered.

To send money using Zelle, simply 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(s) 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.

¹Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle.
²Must have a bank account in the U.S. to use Zelle.
³In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle.

Users can keep track of their Zelle money requests by visiting the Activity tab under Zelle in their online or mobile banking.

Instant is used when the recipient is already in the Zelle network.

To send money you only need your recipient’s email address or mobile phone number. You can also enter a recipient’s bank account.

If you send a payment using your recipient's email or mobile phone number, an automated email or text message will be sent immediately with instructions on how to receive the money you send. If you send money direct to someone’s bank account, no notifications is sent.

Within 2 business days after the payment expires.

Limits are set by the financial institution and therefore can vary. A limits link on the Send screen gives each user their own limits.

Currently our SouthPoint limit is $2500 per day/per processing time. Incoming transaction limits are regulated by the other Financial Institution.

No. Mobile carrier fees may apply.

If your email or phone number is wrong in Zelle, go into Online Banking and edit it on the My Settings screen.

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 your financial institution 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.

To request money, enter the contact’s email address or mobile number. You cannot send a request to a non-registered mobile number.

No. It can take up to three business days for the requestor’s account to receive the money. The requestor can also check the payment status.

Absolutely! You can use Zelle in the “common app” (which means online at zellepay.com or in the Zelle mobile app) as well as at multiple financial institutions.

Although you can have multiple instances of Zelle, a phone number or an email (tokens) can be linked to only one instance. This ensures when someone sends money to that token, the Zelle network will know where to deposit the funds.

No, you cannot use Zelle internationally. Both the sender’s and the recipient's bank accounts must be based in the U.S