Zelle® is an easy, fast and safe way to send money to friends and family in the U.S. You can use their U.S. phone number or email address to send money directly to their bank account right from yours! Enrolled Zelle® users receive their money typically within minutes. If a recipient is not enrolled with Zelle®, it could take 1 to 3 business days to receive the money once enrollment is completed.

Zelle® uses authentication and monitoring features to make sure your payments are secure.

There is no fee to send or receive money through Zelle® when using your Credit Union of Georgia app or Online Banking.

You will need to enroll your U.S. mobile phone number or email address. Please note that only U.S. mobile numbers are eligible. Voice over IP (VOIP), landlines and Google voice numbers are not eligible.

Enrolled in Zelle®: In addition to receiving an email or text from Credit Union of Georgia, you can view incoming and outgoing Zelle® payments in your Zelle® Activity.

Not Enrolled in Zelle®: You will receive an email or text from Zelle® with instructions on how to enroll to receive your money.

If your recipient is enrolled with Zelle®, money is typically available within minutes. If your recipient isn’t enrolled, they will need to enroll to receive their money. Once enrolled, the money moves to the recipient’s account and is typically available within minutes. Note that once you initiate your payment, money will be deducted from your available balance and placed on hold until the recipient enrolls. If your recipient does not enroll within 14 days of when the money is sent, the money is released back to your account, and the transaction is cancelled.

Zelle® should only be used to send money to trusted friends and family. Once you authorize a payment to an individual with an open Zelle® account, the payment cannot be canceled. If you send money to the incorrect person or an incorrect amount you will need to contact the recipient you sent the money to ask for a refund. Please refer to the disputes process found in your Zelle® User Agreement for further information.

There are a few reasons why your recipient might not have received your payment

• First, find out if your recipient has received a notification. If they haven’t, you should make sure you sent money to the correct email address or U.S. phone number. If you didn’t, you can cancel the payment, and set it up again with the correct information.

• If your recipient is not enrolled with Zelle®, they should follow the instruction in the notification to enroll. After your recipient enrolls, it may take 1 – 3 business days to receive the payment in their bank account.

• If your recipient doesn’t use one of the participating banks or credit unions available to select during enrollment, they can download the Zelle® app and enroll any Visa^® or MasterCard^® debit card, issued by their U.S. bank or credit union.

Up to 365 days in advance.

If a payment you’re expecting isn’t in Activity, then it may have been sent to a different email address, mobile number, or may be registered at another institution. Check with your sender or go to Send Money with Zelle^®, and select Settings to update your contact information.

If you don’t see a payment it could be because the email or mobile phone number that the payment was sent to hasn’t been registered with c yet, or your contact information is registered at another institution. Check with your sender or go to Settings to update your contact information.

If your recipient has not enrolled with Zelle® yet, they’ll have 14 days to enroll after you send them money for the first time. We’ll notify you when the payment is about to expire, and then the money will be deposited back into your account.

Businesses are not eligible for Zelle® with the Credit Union of Georgia mobile app or online banking.

If you have already sent a payment to a phone number on a non-supported carrier, then cancel your payment and send it to the recipient’s email address. If your recipient hasn’t registered an email or bank account, they’ll have 14 days to enroll after you send them money. We’ll notify you when the payment is about to expire, and then the money will be deposited back into your account.

Zelle® can be used with these mobile carriers:

ACG (Associated Carrier Group)
AT&T
Alltel (now AT&T)
Boost
Cincinnati Bell
Nextel (now Sprint)
nTelos (now Sprint)
T-Mobile
US Cellular
Verizon
Virgin Mobile USA

You can only send money to known and trusted recipients such as friends and family with bank accounts in the U.S.

There are a few reasons why your recipient might not have received your payment

• First, find out if your recipient has received a notification. If they haven’t, you should make sure you sent money to the correct email address or U.S. phone number. If you didn’t, you can cancel the payment, and set it up again with the correct information
• If your recipient is not enrolled with Zelle®, they should follow the instruction in the notification to enroll. After your recipient enrolls, it may take 1 – 3 business days to receive the payment in their bank account
• If your recipient doesn’t use one of the participating banks or credit unions available to select during enrollment, they can download the Zelle® app and enroll any Visa^® or MasterCard^® debit card, issued by their U.S. bank or credit union

Yes. It’s a good idea to let your recipient know the first time you use Zelle® so they know what to expect.

No. Your bank account information will remain confidential. They’ll only see your first name, last name and the message you wrote for the payment.