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Home » Digital Banking » Zelle®
We’ve partnered with Zelle® to offer our members a fast, safe, and easy way to send and receive money with friends, family, and other trusted individuals. Zelle® is integrated directly into digital banking, so there’s no need to download any additional apps.
Send money directly from your account to theirs, typically in minutes1
Send and receiving money with Zelle® right from digital banking2
There are no fees to send money with Zelle® through our digital banking2
How to start using Zelle®
Access your Rize Credit Union digital banking account.
Select the Send Money with Zelle® option.
Review and accept the terms and conditions to proceed.
Select your U.S. mobile number or email address and link it to your deposit account.
Frequently Asked Questions
Zelle® is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes.1 With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.
You can send, request or receive money with Zelle®
To get started, log in to digital banking, navigate to Pay & Transfer and select “Send Money with Zelle®.” To enroll, accept terms and conditions, tell us your email address or U.S. mobile number and deposit account and then you will receive a one-time verification code. Enter it and you’re ready to start sending and receiving with Zelle®.
To send money using Zelle®, simply add a trusted recipient’s email address or U.S. mobile phone number, enter 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 if they are already enrolled in Zelle®.1
To request money using Zelle®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like to request, 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 mobile number.
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 account, typically within minutes.
When you enroll with Zelle® through digital banking, your name, the name of your financial institution, and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with Rize Credit Union).
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 Rize Credit Union of the incoming payment. Rize Credit Union then directs the payment into your bank account, all while keeping your sensitive account details private.
Money sent with Zelle® is typically available to an enrolled recipient within minutes.1
If you send money to someone who isn’t enrolled with Zelle®, they’ll receive a notification prompting them to enroll. After enrollment, the money will be available directly in your recipient’s account, typically within minutes.1
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? Please connect with us through digital banking or call us at 800.866.6474 during regular business hours.
To use Zelle®, the sender and recipient’s bank accounts must be based in the U.S.
Yes! They will receive a notification via email or text message.2
Keeping your money and information safe is a top priority for Rize Credit Union. When you use Zelle® within digital banking, your information is protected with the same technology we use to keep your bank account safe.
If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your bank account and will be available typically within minutes.1
If you have not yet enrolled with Zelle®, follow these steps:
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 where you received the notification 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. You may use an email address or U.S. mobile phone number not currently enrolled or connect with us through digital banking or call us at 800.866.6474 and ask to move your email address or U.S. mobile phone number to Rize Credit Union so you can use it for Zelle®.
Once member support moves your email address or U.S. mobile phone number, it will be connected to your Rize Credit Union account so you can start sending and receiving money with Zelle® through your digital banking.
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, go to your activity page, choose the payment you want to cancel and select ”Cancel This Payment.”
If the person you sent money to has already enrolled with Zelle®, 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, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, connect with us through digital banking or call us at 800.866.6474 to see if we can help.
Zelle® QR codes provide peace of mind knowing you can send money to the right person, without typing an email address or U.S. mobile number.
Find Zelle in digital banking, navigate to Pay & Transfer and select “Send Money with Zelle® click “Send,” then click on the QR code icon displayed at the top of the “Recipients” screen. Your phone’s camera will open.
To send money using a Zelle® QR code, simply point your camera at the recipient’s Zelle® QR code, enter the amount and 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. You can also locate your Zelle® QR code by opening the Rize Credit Union app, navigating to “Send Money with Zelle®” and clicking your Zelle® settings. From here, you can see your Zelle® QR code.
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.1
Since money is sent directly from your bank account to another person’s bank account within minutes, Zelle® should only be used to send money to friends, family and others you trust.1
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).
Neither Rize Credit Union 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.
You can find a full list of participating banks and credit unions live with Zelle® at zellepay.com/get-started.
If your recipient’s financial institution isn’t on the list, don’t worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.
To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address and U.S. mobile number and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.
We offer you the flexibility to schedule payments to be sent at a later date if you like, or even set up recurring payments for things like regularly sending money to your college student.
Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by but are a separate service from Zelle® and can take one to three business days to process. You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.
Rize Credit Union does not charge fees to send or receive money with Zelle®, but there is a fee to cancel a Zelle® transaction that is still pending because the recipient hasn’t yet enrolled. If the recipient doesn’t enroll with Zelle® within 14 days, the payment will naturally expire, the funds will be returned to your account and no fees will be assessed. 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 send limits, connect with us through chat, digital banking or call us at 800.866.6474.
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.
1Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®. 2Mobile network carrier fees may apply.
Copyright © 2024 Rize Credit Union. All rights reserved. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.