Zelle® FAQs

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

It’s easy — Zelle^® is already available within the F&A mobile app! Check our app and follow a few simple steps to enroll with Zelle^® today.

You can send, request, or receive money with Zelle®. To get started, log into the F&A mobile app. From the menu, select "Transfer and Pay". Then "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 phone number), add the amount you’d like to send and an optional note, review, and 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{{zelle}} if they are already enrolled with Zelle®.

To request money using Zelle®, choose “Request,{{zelle}}” select the individual from whom you’d like to request money, enter the amount you’d like, include an optional note, review, and tap “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 mobile phone number.

To receive money, just share your enrolled email address or U.S. mobile phone 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 F&A account, typically within minutes{{zelle}}.
If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:
A. Click on the link provided in the payment notification you received via email or text message.
B. Select F&A.
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.

Your email address or U.S. mobile phone number may already be enrolled with Zelle^® at another bank or credit union.

If you would like to move your email address or U.S. mobile phone number from the financial institution where you initially enrolled with Zelle^®, simply click “Transfer” when prompted during the Zelle^® enrollment process and confirm your desired changes.

Once you transfer your email address or U.S. mobile phone number, it will be connected to your bank account at the financial institution you selected, and you can start sending and receiving money with Zelle^® right away.

When you enroll with Zelle^® through the F&A app, your name, the name of your bank/credit union, and the email address or U.S. mobile number you enrolled are shared with Zelle^® (no sensitive account details are shared — those stay with F&A). When someone sends money to your enrolled email address or U.S. mobile number, Zelle^® looks up the email address or mobile number in its “directory” and notifies F&A of the incoming payment. F&A then directs the payment into your F&A account, all while keeping your sensitive account details private.

Yes! They will receive an email or text message notification via the email or U.S. mobile number they used to enroll with Zelle.

Keeping your money and information safe is a top priority for F&A. When you use Zelle^® within our mobile app, your information is protected with the same technology we use to keep your F&A account safe.

Zelle® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor. {{zelle}}

Since money is sent directly from your F&A account to another person’s bank account within minutes{{zelle}}, Zelle® should only be used to send money to friends, family and others you trust.
If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle®. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).

If you don’t know the person or aren’t sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle^®.

These types of transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither F&A nor Zelle^® offers a protection program for any authorized payments made with Zelle^® — for example, if you do not receive the item you paid for, or the item is not as described or as you expected.

Zelle® is a great way to send money to family, friends, and people you are familiar with, such as your personal trainer, babysitter, or neighbor{{zelle}}.   

Since money is sent directly from your F&A account to another person’s bank account within minutes{{zelle}}, Zelle^® should only be used to send money to friends, family, and others you trust.

Neither F&A nor Zelle^® offers a protection program for any authorized payments made with Zelle^® — for example, if you do not receive the item you paid for, or the item is not as described or as you expected.

Please contact our Member Contact Center at (800) 222-1226. Qualifying imposter scams may be eligible for reimbursement.

Some small businesses are able receive payments with Zelle^®. Ask your favorite small business if they accept payments with Zelle^®. If they do, you can pay them directly from the F&A mobile app using just their email address or U.S. mobile number.

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

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 our Member Contact Center support team at (800) 222-1226 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 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 our Member Contact Center support team at (800) 222-1226 to determine what options are available.

Once money is sent, you cannot stop it if the recipient is enrolled with Zelle^®, and F&A cannot reverse the payment if you accidentally sent it to the wrong person.

No, F&A does not charge any fees{{zelle}}to use Zelle^® in the F&A mobile app.

Your mobile carrier’s messaging and data rates may apply.

The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine F&A send limits, call our Member Contact Center support team at (800) 222-1226.

There are no limits to the amount of money you can receive with Zelle^®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.

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^® to send and receive money. The list of participating financial institutions is always growing. You can find the updated 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.

If you have already enrolled with Zelle^®, you do not need to take any further action. The money will be sent directly into your F&A account, typically within minutes.{{zelle}}

If you have not yet enrolled with Zelle^®, follow these steps:

1. Click on the link provided in the payment notification you received via email or text message.
2. Select F&A Federal Credit Union
3. 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.

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

If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle^® and that you entered the correct email address or U.S. mobile phone number.

If you’re waiting to receive money, you should check to see if you’ve received a payment notification via email or text message. If you haven’t received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.

Still having trouble using Zelle^®? Please call the F&A Customer Service team toll-free at (800) 222-1226 or get in touch through our contact us page.

Zelle^® QR code provides peace of mind knowing you can send and receive money to the right person, without typing an email address or U.S. mobile number.

To locate your Zelle^® QR code, log into the F&A mobile app, click “Send Money with Zelle^®”. Next, go to your “Zelle^® settings” and click “Zelle^® QR code” and 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 receive money, share your Zelle^® QR code.

To send money, log into the F&A mobile app, click “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.

Neither F&A nor Zelle^® offers purchase protection for payments made with Zelle^® – for example, if you do not receive the item you paid for, or the item is not as described or as you expected. Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.