Zelle®

Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes¹. With just an email address or U.S. mobile phone number, you can conveniently send money to people you trust, regardless of where they bank².

It’s quick and easy to send, request or receive money with Zelle. Here’s how it works:

1. To get started, log in to Online Banking or our Mobile App, navigate to Money Transfers and select “Send Money with Zelle®.” Once you accept the terms and conditions, you’ll be asked to enter your email address or U.S. mobile phone number. Then, you’ll receive a one-time verification code. Enter your code, and you’ll be 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 hit “Send.” In most cases, the money is available to your recipient in minutes¹.
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 then hit “Request”³.
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.

To get started, log in to CommunityAmerica's online banking or mobile app and navigate to Money Transfers, then "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.

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.¹

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."³

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 to your bank account and will typically be available 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 CommunityAmerica Credit Union as your financial institution.
3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the specific email address or U.S. mobile phone number where you received the payment notification – you should enroll with Zelle using that email address or U.S. mobile phone number to ensure you receive your money.

Zelle is a great way to send money to family, friends and other people you are familiar with, such as your personal trainer, babysitter or neighbor².  

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 people you know and trust.

 

Neither CommunityAmerica Credit Union 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.

It’s easy – Zelle is already available within Money Transfers in Online Banking or our Mobile App! Check our app or sign in to Online Banking and follow a few simple steps to enroll with Zelle today.

You can find a full list of participating banks and credit unions with Zelle here.

 

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 phone number, and a Visa® or Mastercard® debit card or ACH 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.

When you enroll with Zelle through your Online Banking Money Transfers account or our Mobile App, the name of your financial institution and the email address or U.S. mobile phone number you enrolled with is shared with Zelle (no sensitive account details are shared – those stay with us).

 

When someone sends you money to your enrolled email address or U.S. mobile phone number, Zelle looks up the email address or mobile phone number in its “directory” and notifies us of the incoming payment. We then direct the payment into your bank account, all while keeping your sensitive account details private.

No. In order to use Zelle, the sender and recipient’s bank 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 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 phone 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, please contact us at 913.905.7000 so we can help.

 

Scheduled and recurring payments are not sent with Zelle. You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account. Please contact us with any questions concerning scheduling or recurring payments.

 

You can cancel a payment that is scheduled in advance if the money has not already been deducted form your account.

Money sent with Zelle is typically available to an enrolled participant within minutes¹.

 

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 available in your recipient’s account, typically within minutes¹.

 

If your payment is pending, we recommend confirming 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? Give us a call at 913.905.7000.

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

Keeping your money and information safe is a top priority. When you use Zelle within our Mobile App or Online Banking, your information is protected with the same technology we use to keep your bank account safe.

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 CommunityAmerica Credit Union 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.

Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. If this is the case, you will be required to transfer the information if you’d like to use it for your CommunityAmerica accounts. You can do so by confirming you’d like payments to go to your CommunityAmerica account during registration or by accessing your profile settings within Online Banking or our Mobile App.

 

If you have any questions or issues, you can give us a call at 913.905.7000 and ask us to move your email address or U.S. mobile phone number to CommunityAmerica for you to set up your Zelle account.

 

Once your email address or U.S. mobile phone number has been moved, it will be connected to your CommunityAmerica bank account, and you can start sending and receiving money with Zelle through our Mobile App and Online Banking.