Send and Receive Money with Zelle®
 PERSONAL |
 BUSINESS |
|---|---|
| Use Zelle® to pay your siblings back for your half of the gift, send money to your roommate for your share of bills or to help your college student pay for books. | More convenient than cash and checks, encourage customers to pay you with Zelle®, right from their mobile banking app2. You can also pay eligible suppliers and vendors with Zelle®. |
DOWNLOAD THE APP
Enroll today and send money to friends and family:
Log into the app.
In the main menu, select “Send Money with Zelle®”.
Enroll with your email address or U.S. mobile number.
You're ready to start sending and receiving money with Zelle®.
FAQs
For Personal Use
For Business Use
How do I use Zelle®?
You can send, request, or receive money with Zelle®. To get started, log into your Texas Bay account online or through the mobile banking app. In the main menu, select "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 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.
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
- Select Texas Bay Credit Union.
- 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.
Is my information secure?
Keeping your money and information safe is a top priority for Texas Bay. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your account safe.
Who can I send money to with Zelle®?
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 account to another person’s bank account within minutes1, 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).
Neither Texas Bay nor Zelle® offers purchase protection for payments made with Zelle®.
Can I pay a small business with Zelle®?
Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from your Texas Bay account with online or mobile banking using just their email address or U.S. mobile number.
Neither Texas Bay nor Zelle® offers purchase protection for payments made with Zelle®. Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.
Can I use Zelle® internationally?
In order to use Zelle®, the sender and recipient's bank or credit union accounts must be based in the U.S.
Can I cancel payment?
You can only cancel 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, then select "Cancel This Payment". If you do not see this option available, please contact our member support team at 713-497-1381 for assistance with canceling the pending 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 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 our member support team at 713-497-1381 so we can help you.
Are there any fees to send money using Zelle®?
No, Texas Bay does not charge any fees to use Zelle® in their online banking and mobile banking app.
Your mobile carrier's messaging and data rates may apply.
What if I want to send money to someone whose bank or credit union doesn't offer Zelle®?
You can find a full list of participating banks and credit unions live with Zelle® here.
If your recipient's bank or credit union 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.
What is Zelle®?
Zelle® is a fast, safe, and easy way for small businesses to send, receive and request money typically within minutes1 with customers and eligible vendors they trust. If your customers use Zelle® within their financial institution's banking app, they can send payments directly to your bank account with just your email address or U.S. mobile number.
How do I use Zelle® with a small business account?
Eligible small business accounts can send, receive, or request money with Zelle®. To get started, log into Texas Bay's online banking or mobile app and select "Send Money with Zelle®".
Enter your email address or U.S. mobile number, receive a one-time verification code, enter it, accept the terms and conditions, and you're ready to start sending and receiving money with Zelle®.
To send money with 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." In most cases, the money is available to your recipient in minutes.1
If the small business or consumer you send money to has already enrolled with Zelle® through their banking app, the money is sent directly to their bank account and cannot be canceled.
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 number when sending money.
To receive money using Zelle® with a small business account, share your enrolled email address or U.S. mobile number with your customers and ask them to send you payment with Zelle® right from their banking app. No need to share any sensitive account details. After the consumer sends you payment with Zelle®, you will receive your money directly into your enrolled bank account.
To request money using Zelle® with a small business account, click "Send Money with Zelle®," select "Request," enter the individual's email address or U.S. mobile number, confirm the recipient is correct, and tap "Request."
If your customer is using Zelle® through their banking app, they'll be able to pay you with Zelle®. You'll receive a payment notification once your customer has sent you money in response to your request. If your customer is enrolled in the Zelle® app, they will not be able to send you money with Zelle®, and you should arrange for a different payment method.
How do I tell my customers that they can pay me with Zelle®?
There are a few ways you can encourage your customers to pay you with Zelle®:
- Tell customers verbally that you accept payments with Zelle®, and that they can easily send you money right from their banking app.
- Include it on an invoice. We recommend adding “I accept payments with Zelle®” or “Pay me with Zelle®”.
- Use Zelle® to request money from your customers (which will send them a notification telling them you’ve requested payment with Zelle®)3.
- Download Zelle® marketing assets for free from zellepay.com and add them to your website, social media, and more!
Please note, you'll only be able to receive payments from consumers using Zelle® through their financial institution's banking app. You will not be able to receive payments from consumers enrolled in the Zelle® app.
Does Zelle® or Texas Bay offer purchase protection?
Neither Texas Bay nor Zelle® offers purchase protection for payments made with Zelle®.
Are there any fees to use Zelle® with a small business?
No, Texas Bay does not charge a fee to use Zelle® with a small business account.
Is my information secure?
Keeping your money and information safe is a top priority for Texas Bay. When you use Zelle® within our online banking or mobile app, your information is protected with the same technology we use to keep your account safe.
Are there any differences in the experience between using Zelle® with my personal bank account versus my small business account?
Whether you use Zelle® with a business account or a consumer account, Zelle® uses the same network to initiate payments to small businesses and consumers. Consumers who are already enrolled with Zelle® through their banking app don't need to do anything different to send money to a small business. The experience is slightly different for small businesses, as small businesses cannot currently send payments to or receive payments from consumers who are only enrolled in the Zelle® app.2
If I already use Zelle® for my small business, do I need to do something different to continue using Zelle®?
Read the updated terms and conditions that were provided by Texas Bay Credit Union.
I already use Zelle® through my personal bank account. How do I enroll to use Zelle® with my small business bank account?
Simply log into Texas Bay's online banking or mobile app and select "Send Money with Zelle®." Then, enter an email address or U.S. mobile number to connect to your small business bank account.
Important note: If you already use Zelle® for personal use, you must use a different email address or U.S. mobile number than the one you used to enroll your personal bank account. For example, name@email.com would be connected to your personal checking account, and 555-555-1234 would be connected to your small business bank account.
How do I know if my small business is eligible to use Zelle®?
Log into the Texas Bay mobile app using your business banking user ID, select Zelle® from the quick-action menu and choose Update my enrollment. All eligible accounts will be available to select within the enrollment flow. If you do not have any eligible accounts, you will see a message when you try to access Zelle®.
Who should I call if I have questions or need help?
Please call our member support team at 713-497-1381 so we can help you.
Can I use Zelle® internationally?
In order to use Zelle®, the sender and recipient's bank or credit union accounts must be based in the U.S.
Can I cancel as payment if I sent money using Zelle®?
You can only cancel a payment if the small business or consumer 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 support team at 713-497-1381 for assistance with canceling the pending payment.
If you send money to a small business or consumer that 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 try to send money to a consumer who is enrolled in Zelle® through the Zelle® app and not their financial institution’s banking app, the payment won’t go through and a message will pop up to let you know the payment cannot be completed. With small business accounts, Zelle® does not currently support sending or receiving money to users enrolled in the Zelle® app. For small business accounts, sending and receiving money is only supported if your financial institution's banking app supports this feature.
If you sent money to the wrong person, please immediately call our member support team at 713-497-1381 so we can help you.
How do I use a Zelle® QR Code with my small business account?
Zelle® QR code provides peace of mind knowing you can send and receive money, without typing an email address or US mobile number. Find Zelle® in the Texas Bay mobile banking app, click "Send", then click on the QR code icon displayed at the top of the "Select Recipient" screen. Your phone's camera will open up. To send money, 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.
To locate your own Zelle® QR code, click the "My Code" tab. From here you can view your QR code and use the print and share icons to text, email, or print your Zelle® QR code.
1 U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes.
2 To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution's online or mobile banking experience.
3 In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
