Zelle. This is how
money moves®.

Zelle® is a fast, safe, and easy way to send money directly between almost any bank account in the U.S., typically within minutes.¹ With just an email address or U.S mobile phone number, you can now quickly, safely, and easily send money to people you know and trust, even if they don’t bank with First Tech.¹

First Tech does not charge any fees to use Zelle®. 

It’s easy — Zelle® is already available within the First Tech 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 the First Tech App. Find the "Money Movement" section then tap on "Send Money 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 number), add the amount you’d like to send and an optional note, review, then hit “Send.” The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. Money is available to your recipient in minutes if they are already enrolled with Zelle®. 

To request money using Zelle®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like, include an optional note, review and hit “Request”. If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their U.S. mobile number². 

To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your First Tech account, typically within minutes.

If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:

Click on the link provided in the payment notification you received via email or text message. Select First Tech.

Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money. You can send, request, or receive money with Zelle®. To get started, log into the First Tech App. Find the "Money Movement" section then tap "Send money 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 number), add the amount you’d like to send and an optional note, review, then hit “Send.” The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. Money is available to your recipient in minutes if they are already enrolled with Zelle®. 

Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money.

Zelle® payments cannot be reversed.

You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.” If you do not see this option available, please contact us at 855.855.8805 for assistance with canceling the pending payment.

If the person you sent money to has already enrolled with Zelle® through their bank or credit union’s mobile app, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you know and trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

If you sent money to the wrong person, please immediately call us at 855.855.8805 so we can help you.

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 minutes. 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 be sent to your recipient’s account, typically within minutes. 

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 enrolled 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 digital 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.

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 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 phone number.

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

Please contact us at 855.855.8805. Qualifying imposter scams may be eligible for reimbursement.

To send money using Cash App, follow these simple steps:

1. Download and Open Cash App: Ensure you have the Cash App installed on your device and open it.
2. Link Your Payment Method: Connect your debit card, credit card, or bank account to your Cash App.
3. Enter the Amount: Type in the amount you want to send.
4. Select the Recipient: Enter the recipient's $Cashtag, phone number, or email address.
5. Add a Note (Optional): You can include a note to specify the purpose of the payment.
6. Confirm and Send: Tap "Pay" and confirm the payment. You may need to scan your fingerprint or enter your PIN to complete the transaction.

That's it! Your money will be sent instantly to the recipient.

References
¹Sending a Payment - Cash App
²Send Money with Cash App

To receive money using Zelle, follow these steps:

1. Enroll with Zelle: If you haven't already, enroll your email address or U.S. mobile number through your bank's mobile app or website.
2. Notification: When someone sends you money, you'll receive a notification via email or text message.
3. Follow the Instructions: Click on the link provided in the notification and select your bank or credit union.
4. Complete Enrollment: Follow the instructions to complete your enrollment and receive the payment.
5. Automatic Deposit: If you're already enrolled, the money will be deposited directly into your bank account, typically within minutes.

That's it! Your money will be transferred securely and quickly.

References
¹Someone sent me money with Zelle®, how do I receive it?
²How It Works - Zelle

A P2P (peer-to-peer) payment is a method of transferring money directly from one person to another using a digital platform or app. These payments are typically made through mobile devices or computers and are facilitated by services like PayPal, Venmo, Cash App, and Zelle. P2P payments are convenient for splitting bills, paying rent, or sending money to friends and family. They are usually fast, secure, and often free or low-cost.

As of March 31, 2025, all users must be enrolled through one of the more than 2,200 banks and credit unions that offer Zelle® in order to send and receive money. You can find a full list of participating banks and credit unions live with Zelle® at Zellepay.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.

Knowing which of your friends, family and those you trust are enrolled with Zelle® is simple, we’ve tagged your contacts that are already using Zelle® with a “Z” logo. Don’t see the “Z” on a contact? Not a problem! You can still send them money with Zelle®, they’ll just need to enroll with Zelle® to receive the money.

Zelle® QR code provides peace of mind knowing you can send and receive money, without typing an email address or mobile number.

To locate your Zelle® QR code, log into the First Tech App, find "Money Movement" then tap on "Send money with Zelle®". Click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Your QR code will be displayed under “My Code”. From here you can view your QR code and use the print or share icons to text, email or print your Zelle® QR code.

To send money, log into the First Tech App, find "Money Movement" then tap on "Send money with Zelle®" click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you allow access to your camera, simply point your camera at the recipient’s Zelle® QR code, enter the amount, hit “Send,” and the money is on the way! When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the displayed name before sending money.