Start sending money with Zelle®

Zelle is a fast, safe, and easy way to send money directly between almost any bank accounts 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 trust, regardless of where they bank².

Enroll with Zelle through your online banking Bill Pay account or mobile banking app today!

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.

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.

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

Since money is sent directly from your bank account to another person's bank 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.

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.

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

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.

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 money to someone not in the Zelle network, that person has 14 days to register. After that, the payment expires and the recipient cannot collect the money.

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.

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.

No. Mobile carrier fees may apply.

It's always a good idea to double-check your contact information before sending a payment with Zelle. If you send money to the wrong token:

• As long as the recipient has not yet claimed the money, you can cancel the payment.
• If the recipient has already accepted the payment, contact your financial institution (but the funds may be unrecoverable).

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

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