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.
Money without borders
However, the direct access to your account, lack of purchase protections, inability to reverse payments and potential lack of reimbursements for scam victims can also make it risky. Try to only use Zelle with friends, family members and small businesses that you trust. And double-check the recipient’s phone number or email address before sending a payment.
- He also works as a ghostwriter for business executives, with bylines in publications such as Fast Company, Entrepreneur and TechCrunch.
- If you already have Zelle® in your banking app, you’re ready to start being there for someone today!
- And unlike other digital payment platforms, neither PNC nor Zelle® will share your transaction information on a public social network feed.
App support
JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorganChase. Make purchases with your debit card, and bank from almost anywhere by phone, tablet or computer and more than 15,000 ATMs and 5,000 branches. If your bank is part of the Zelle network, you don’t need to move money into Zelle at all. Just enroll with your US mobile number or email address inside your bank’s online or mobile app.
An email address and U.S. mobile number can only be enrolled with one bank account. If you suspect fraudulent activity or believe you’ve been a victim of a Zelle scam, contact your bank or credit union’s customer support immediately. You can also report the scam to the Federal Trade Commission and the Consumer Financial Protection Bureau.
Maximize your cash back!
You can access Zelle through your bank’s website or mobile app. Once you’re logged in, follow the prompts to enroll your account in Zelle. In 2021, Zelle users sent $490 billion on 1.8 billion transactions, and nearly 3,000 financial institutions joined the Zelle network. Once they enroll, the transfer will be completed and the money will be added to their account. Over 2,200 banks and credit unions have Zelle built in as a feature, including most of the largest banks and credit unions (by asset size) in the country. You can send money in a matter of minutes with your recipient’s phone number or e-mail address.
Editorial Independence
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 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.
- With Zelle®, money moves between U.S. bank accounts—typically in minutes when both users are already enrolled—and there are no third-party apps to download or separate accounts to maintain.
- This may make it easier to send and receive funds when the time comes.
- Their payment service is built into the apps of more than 2,200 banks and credit unions in the US.¹ If your bank is part of the Zelle network, you can access it straight from your existing banking app.
- Please review its terms, privacy and security policies to see how they apply to you.
For example, someone gained access to your bank account without your permission and you never authorized or were involved in the transaction. Because these transactions are unauthorized, they typically qualify for reimbursement. J.P. Morgan Wealth Management is a business of JPMorganChase., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment adviser, member FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase zelle Bank, N.A.
If you see unauthorized charges or believe your account was compromised contact us right away to report fraud. Get more from a personalized relationship offering no everyday banking fees, priority service from a dedicated team and special perks and benefits. Connect with a Chase Private Client Banker at your nearest Chase branch to learn about eligibility requirements and all available benefits. Discover the 7 best apps to send mobile money in the Philippines from the US. Have a look at the top features and fees to find the perfect app for you.
What Happens if I Send Money to Someone Who Doesn’t Have Zelle?
Your chat may be recorded and monitored for quality assurance. For SafeBalance Banking® for Family Banking accounts, the parent owner and their child age 13 or older have access to Erica. 2 To send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®. By selecting “Continue to your bank”, you will be taken to an external interface with different privacy and information security policy.
And make sure you have the correct mobile phone number or email address of the person you want to pay. This helps ensure your money will be sent to the right person. With Zelle® QR codes, it’s even easier to send and receive money with Zelle® in the PNC Mobile app. Offer pros and cons are determined by our editorial team, based on independent research. The banks, lenders, and credit card companies are not responsible for any content posted on this site and do not endorse or guarantee any reviews.
We do not include the universe of companies or financial offers that may be available to you. The screens depicted above are for illustrative purposes only and may not appear exactly as Erica responds in the Mobile app. The mobile feature, Erica, is only available in the English language. The feature requires that you download the latest version of the Mobile Banking app and is only available in the Mobile Banking app for select iOS and Android devices.