This is how
money moves®.

Name: How Zelle works.
Uploaded: 0001-01-01
Description: How Zelle works.

Zelle® is a fast, safe and easy way to send and receive money in minutesTransactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. all within the First Tech App.

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Zelle features

Zelle is nationwide.

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

Zelle is easy.

Simply download the First Tech App to get started. Then, tap Zelle® and follow the instructions to complete enrollment.

Zelle is secure.

When you use Zelle within the First Tech App, your information is protected with the same technology we use to keep your First Tech account safe.

How Zelle works.

Download the First Tech App if you haven’t already. Then log in and navigate to Zelle® where you can enroll in just a couple minutes.

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Frequently asked questions about Zelle.

Zelle® is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes. With just an email address or U.S mobile phone number, you can now quickly, safely, and easily send money to people you trust, regardless of where they bank.

First Tech does not charge any fees to use Zelle. Your recipient will not be charged a fee to receive money with Zelle.

It’s easy — Zelle® is already available within the First Tech mobile app! Check our app for both iOS and Android and select the "Send Money with Zelle®" option to enroll with Zelle today.

You can send, request, or receive money with Zelle®. To get started, log into your First Tech mobile banking app and select “Send Money with Zelle®”. Following the prompts, enter the information requested, accept the terms and conditions, and you’re ready to start sending and receiving with Zelle®. To send money using Zelle®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number), add 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 minutes. 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”. To receive money, ensure that your phone number or email address are enrolled by selecting the Zelle® settings. Any phone number must have enabled SMS text messages so that you will receive the notice of payment. Then just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle®.

You can only cancel a payment if the recipient hasn’t yet enrolled with Zelle®. If the payment is still pending, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.” If your recipient has already enrolled with Zelle®, the money is sent directly to your recipient’s bank account and cannot be canceled. 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 send us a secure message in Online Banking or call us at 855.855.8805 for direct assistance.

In order to use Zelle, the sender and recipient’s bank accounts must be based in the U.S.

Zelle® does not report transactions made on the Zelle Network® to the IRS. The law requiring certain payment networks to provide forms 1099K for information reporting does not apply to the Zelle Network®.

Zelle® is a payment platform. Zelle® does not impose taxes on transactions made on its network. If payments you receive on the Zelle Network® are taxable, it is your responsibility to report them to the IRS. If you have any questions about your tax obligations, please consult with a tax professional.

Zelle® does not issue 1099K forms for payments made on the Zelle Network®.

Money sent or requested with Zelle is typically available to an enrolled recipient within minutesTransactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.. 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 minutesTransactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle..

If your payment is pending, we recommend confirming that the person you sent money to or requested money from has enrolled with Zelle and that you entered the correct email address or U.S. mobile number associated with their preferred bank account.

If you’re waiting to receive money, we recommend confirming that the sender has enrolled with Zelle and entered the right email address or U.S. mobile number.

Still having trouble? Please contact First Tech at 855.855.8805 or send us a secure message via online banking.

You will need to contact the other financial institution where you are enrolled, and they can unenroll your U.S. mobile phone number or email address. Then, you'll be able to enroll with Zelle using your First Tech account.

When you register, it may take between 1 and 3 business days to receive your first payment. This is a security feature designed to reduce risk and protect you whenever you’re sending or receiving money. Once you’ve completed your first payment, future payments between you and activated Zelle users will typically move in minutes.

Keeping your money and information safe is a top priority for First Tech, and when you use Zelle® within our mobile app, your information is protected with the same technology we use to keep your bank account safe.

Whenever a Zelle user switches to a different phone carrier, their phone number will be un-enrolled. First Tech will notify you by email.

You can send money to friends, family and others you trust. Since money is sent directly from your bank account to another person’s bank account within minutes, 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 phone number.

Yes, the recipient will receive a notification via email or text message to whichever was used to deliver the funds.

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

Answers to your questions, faster

This is how money moves®.