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Zelle®

Start sending money with Zelle

It’s a fast, safe, and  easy way to send money.Zelle logo

Zelle is a convenient way to send money using your mobile banking app or online banking account. Whether it’s saving you a trip to the ATM or taking out the guesswork of divvying up the lunch tab, Zelle is a fast, safe, and easy way to send and request money. Funds are sent directly to the recipient’s account in a matter of minutes,1 and all you need is the recipient’s email address or U.S. mobile phone number.

 

Mobilize your money with Zelle.

Send money

SEND

Send money fast in just a few steps.

Request money

REQUEST

Settle up with roommates, friends, and more regardless of where they bank.2

split payments

SPLIT

Easily divide the check for dinner, coffee, and more.

 

Frequently Asked Questions

How does Zelle work?

When you enroll with Zelle through Fidelity Bank online banking or mobile banking, your name, the name of your bank, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with Fidelity Bank. 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 Fidelity Bank of the incoming payment. Fidelity Bank then directs the payment into your bank account, all while keeping your sensitive account details private.

Who can I send money to with Zelle?

You can send money to friends, family and others you trust.2

Since money is sent directly from your bank account to another person’s bank account within minutes,1 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.

What types of payments can I make 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.2

Since money is sent directly from your bank account to another person’s bank account within minutes1 Zelle should only be used to send money to friends, family and others you trust.

Neither Fidelity Bank 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.

Are there any fees to send money using Zelle?

Fidelity Bank does not charge any fees to use Zelle.3

Can I use Zelle internationally?

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

How do I get started?

It’s easy — Zelle is already available within Fidelity Bank mobile banking and online banking! Log into mobile banking or online banking, navigate to Bill Payment and select “Send Money with Zelle®” and follow a few simple steps to enroll with Zelle today.

How do I use Zelle?

You can send, request, or receive money with Zelle.

  1. To get started, log into Fidelity Bank online banking or mobile banking, navigate to Bill Payment and select “Send Money with Zelle®” Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you’re ready to start sending and receiving money with Zelle.
  2. 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 click “Send.” In most cases, the money is available to your recipient in minutes.1
  3. To request money using Zelle, choose “Request,” select the individual(s) from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request”.4
  4. 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.

Someone sent me money with Zelle, how do I receive it?

If you have already enrolled with Zelle, you do not need to take any further action. The money will move directly into your bank account, typically within minutes1.

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 The Fidelity Bank.
  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 the email address or U.S. mobile number where you received the notification to ensure you receive your money.

What if I want to send money to someone whose bank 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 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.

Will the person I send money to be notified?

Yes! They will receive a notification via email or text message.

What if I get an error message when I try to enroll an email address or U.S. mobile number?

Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Call our Customer Care Center at 1-855-547-1385 and select option 2 (two). Ask them to move your email address or U.S. mobile phone number to Fidelity Bank so you can use it for Zelle.

Once our Customer Care team moves your email address or U.S. mobile phone number, it will be connected to your Fidelity Bank account so you can start sending and receiving money with Zelle through Fidelity Bank mobile banking and online banking. Please call Fidelity Bank’s Customer Care Center at toll-free at 1-855-547-1385 and select option 2 (two) for help.

Can I cancel a payment?

You can cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle. To check whether a payment is still pending, go to your activity page. To cancel a pending payment, choose the payment you want to cancel and then 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 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.

How long does it take to receive money with Zelle?

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 will receive a notification prompting them to enroll. After enrollment, the money will move directly to 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 contact the Fidelity Bank Customer Care Center at 1-855-547-1385, and select option 2. We will be glad to assist you.

Is my information secure?

Keeping your money and information safe is a top priority for Fidelity Bank. When you use Zelle within mobile banking or online banking, your information is protected with the same technology we use to keep your bank account safe.

I’m unsure about using Zelle to pay someone I don’t know. What should I do?

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 for these types of transactions.

These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk). Neither Fidelity Bank 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.

 

Don’t have our mobile banking app?
Download it for free:

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1 Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.
2 Must have a bank account in the U.S. to use Zelle.
3 Mobile carrier fees may apply.
4 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.