What is Zelle® and How Does It Work?

You might see the transfer limit displayed when you start a payment and choose a recipient. However, if you’re thinking about using Zelle to pay a small business owner for products or services, keep in mind that Zelle does not offer the same payment protections as a credit card or debit card. If you are not happy with the product or if the business engages in fraudulent practices, you might not have the same chances of getting a refund for a Zelle payment.

Zelle uses the Automated Clearing House (ACH) payments system to speed payments between U.S. bank accounts. While you could initiate an ACH payment to a friend from your bank account, that transfer could take three days to process. All information, including rates and fees, are accurate as of the date of publication and are updated as provided by our partners. Some of the offers on this page may not be available through our website. If you want to transfer money quickly, Zelle could be a good, no-cost option that works almost instantly. Unlike other P2P transfer apps, Zelle doesn’t charge fees and the money will move directly out of and into your connected bank account.

How to Enroll with Zelle®

Zelle® is not responsible for and does not endorse the products, services or content that is offered or expressed. Our suite of security features can help you protect your info, money and give you peace of mind. See how we’re dedicated to helping protect you, your accounts and your loved ones from financial abuse. Also, learn about the common tricks scammers are using to help you stay one step ahead of them.

Whether you’re sending money to a loved one or paying a trusted small business, Zelle® ensures your transactions are handled safely and easily. See more details by visiting the Zelle® FAQ page or explore the details of using Zelle® with Wells Fargo. Even if you’re not planning to send or receive money soon, enroll in Zelle® any time.

Integrated directly into most major banks and credit unions, Zelle allows you to transfer funds with just an email address or phone number, typically in minutes. Although Wells Fargo has a relationship with this website, Wells Fargo does not provide the products and services on the website. Please review the applicable privacy and security policies and terms and conditions zelle for the website you are visiting. The only way to cancel a Zelle payment is if the recipient hasn’t yet enrolled in Zelle. If the recipient is already a Zelle user, the payment goes directly into their bank account and can’t be canceled.

Zelle® is already in over 2,200 banking apps

A scam is when you knowingly send money but do not receive what you expected in return. For example, someone pretended to be another person or a business and tricked or persuaded you into sending the money or promised that you would receive something in return that they did not provide. Read on to learn more about Zelle®, including whether PNC or Zelle® charges a fee, how it works with your bank account, and any limits there may be from PNC for using it.

Unlike some P2P apps, you won’t have a separate Zelle balance—your money moves directly from and to your connected bank account. Zelle transfers move between accounts that are enrolled in Zelle and generally happen within minutes. There are no standard transfer fees, but it’s worth checking with your bank or credit union in case they apply their own charges. Zelle can be a great way to get paid as a small business owner because it’s fast and there are no fees. If you don’t already have a Zelle account or your financial institution doesn’t offer Zelle, you can download the app and sign up for an account.

• If the recipient has not enrolled, the payment will expire after 14 calendar days.
• I have two bank accounts attached to my cell number and would like my mother send money to the second one listed under my name listed in her list of people to send to.
• Send money to friends and family quickly, even if they bank somewhere different than you do¹.
• See the PNC Zelle Terms of Use for additional terms and conditions.
• And, as of January 2025, Zelle still warns that you should treat Zelle like cash—once you send money, you might not get it back.

Instant transfers

If you have multiple accounts, you may be able to use different email addresses to enroll in Zelle at each account. Otherwise, enrolling your phone number or email at one bank might disconnect it from the other. Although it launched later than competitors like Venmo and Cash App, Zelle has become one of the largest P2P payment apps. In 2023 alone, some 120 million consumers and small businesses used Zelle to transfer $806 billion—about $100 million was transferred every hour during the fourth quarter of 2023.

Zelle® is a fast, easy, and free  way to send and receive money with friends, family, and others you know and trust.

Open a savings account or open a Certificate of Deposit (see interest rates) and start saving your money. Using an updated version will help protect your accounts and provide a better experience. This feature eliminates the need for cash or checks, keeping everything digital and fast. This wide reach is what sets Zelle apart from many other peer-to-peer services. Simply enter a figure that falls within your weekly send limit, and you’re good to go.

• If you have multiple accounts, you may be able to use different email addresses to enroll in Zelle at each account.
• Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member FINRA and SIPC.
• Zelle now requires all new users to enroll through a participating financial institution to use Zelle.
• This feature eliminates the need for cash or checks, keeping everything digital and fast.

Whether it’s across the hall or across the country, you can safely send and receive money with friends, family, and others you trust with a U.S. bank account. Ben Gran is a freelance contributor for Forbes Advisor on banking. He also writes for The Ascent (a Motley Fool service), where he covers insurance, credit cards, personal finance and investing. Ben has over 10 years of experience as a freelance content writer for regional banks, tech startups, and financial services companies like LendingTree and Prudential. He also works as a ghostwriter for business executives, with bylines in publications such as Fast Company, Entrepreneur and TechCrunch. If your friend or family member already uses Zelle, the money will arrive in their bank account within minutes.

In the other states, the program is sponsored by Community Federal Savings Bank, to which we’re a service provider. That way, when someone sends money, all they need is the email or phone number you signed up with, making the process both simple and secure. We’re here to empower you with knowledge on using Zelle® safely and avoiding common scams. Explore resources, test your knowledge and get new tips on how to keep your money safe in a digital world.

Availability may be affected by your mobile carrier’s coverage area. Need to reimburse a friend, contribute to a group gift, or pay your babysitter? In the past, you might have paid your friends, family, and others in cash. Now, you can make those payments swiftly with Zelle®, right from the Wells Fargo Mobile® app. Partner with a global leader who puts your financial needs first.

Choose from business checking, small business loans, business credit cards, merchant services or visit our business resource center. If your bank doesn’t offer Zelle payments, just set up Zelle directly through its mobile app. Download the Zelle app and follow the prompts to create a new username and password. Don’t worry—you won’t have to input your sensitive banking information. With Zelle®, money typically arrives within minutes between enrolled users – and Zelle® is available in over 2,200 banking apps in the U.S. In a press release, Zelle stated that less than 2 percent of transactions were being conducted in the app.

Chase Security Center

Read on to understand how much you can send from the US internationally, including tips for sending large amounts. Read on to understand how much you can send from the US to India, including tips for sending large amounts. Read on to understand how much you can send from the US to the Philippines, including tips for sending large amounts. For international or purchase protection, other options may be better. We’ll also introduce the Wise account, which allows you to send, spend, and receive your money across the globe in over 40 currencies – all at the fair mid-market rate. And with issues like identity theft and other cybercrimes on the rise, it’s important to know what you can do to help protect yourself.

For questions or concerns, please contact Chase customer service or let us know about Chase complaints and feedback. View the Chase Community Reinvestment Act Public File for the bank’s latest CRA rating and other CRA-related information. With Chase for Business you’ll receive guidance from a team of business professionals who specialize in helping improve cash flow, providing credit solutions, and managing payroll.