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Transfers

Zelle®

Quickly send money to trusted contacts who bank in the US

Zelle® is a fast, safe, and easy way to send money to friends, family, and other contacts you trust. At UNFCU, send up to $750 per day for free1 to recipients with an account at a US financial institution. You can also use Zelle® to receive money.

Zelle® is available in Digital Banking to members with a UNFCU checking account, a US mobile phone number, and an email address.

Tips for safe sending

  • Only send money to people you know and trust. Once you send the money, it cannot be recovered.
  • Ensure that you have entered the recipient’s contact information correctly.
  • If the person you sent money to has already enrolled with Zelle®, any payment you send cannot be canceled.
  • If you do not know the person or are not sure you will get what you paid for, pay with your credit card instead.
  • Question any offer that seems too good to be true.

Get started with Zelle®

  1. Sign in to Digital Banking.

  2. Under Transfers & Payments, select BillPay & Zelle®.

  3. Select Zelle®.

    On the desktop version, you will first need to select What else can I do?

Top Zelle® FAQs

You can send, request, or receive money with Zelle®. To get started: 

  • Sign in to Digital Banking
  • Under Transfers & Payments, select BillPay & Zelle®
  • Select Zelle®. On the desktop version, you will first need to select What else can I do?

In order to use Zelle®, the sender and recipient’s credit union or bank accounts need to be based in the US (does not include US territories).

Keeping your money and information safe is a top priority for UNFCU. When you use Zelle® within Digital Banking, your information is protected with the same technology we use to keep your UNFCU account safe.

Zelle® is a great way to send money to family, friends, and contacts you know and trust. This can include people like your personal trainer, babysitter, or neighbor. Everyone who uses Zelle® needs a checking or savings account at a US-based credit union or bank. 

Money is sent directly from your UNFCU account to your contact’s bank account, typically within minutes.1 Do not use Zelle® if you do not know the recipient or are not sure you will get what you paid for (for example, items bought from an online bidding or sales site). These transactions are potentially high risk — just like sending cash to a person you don’t know is high risk. 

Neither UNFCU 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. Payments sent to someone who is already enrolled cannot be canceled. If you sent money to the wrong person, please immediately contact us so we can try to help you.

You can only cancel a payment if the person you sent money to has not yet enrolled with Zelle®. If the person you sent money to has already enrolled with Zelle®, the money is sent directly to their bank account. These payments cannot be canceled. It is important to only send money to people you trust. Always ensure you use the correct email address or US mobile number when sending money. If you sent money to the wrong person, please immediately contact us so we can try to help you. 

No, UNFCU does not charge any fees to use Zelle® in Digital Banking. Your mobile carrier’s messaging and data rates may apply.

Individual holding a cellphone.

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