Send, receive and request money with Zelle®.
No cash. No checks. No hassle. It’s all in the U.S.Bank Mobile App and online banking.
Get the app Sign up for online banking
Or text GET APP to 872265 to receive a download link.
Why use Zelle®?
It’s fast.
Send or receive money in minutes.1
It’s safe.
No personal information or account details are shared.
It’s easy.
All you need is the recipient’s email or United States mobile phone number.
It’s free.
Use Zelle®for free in the U.S.Bank Mobile App or online banking.
How to enroll with Zelle®at U.S.Bank
Go to your U.S.Bank Mobile App or online banking.
There’s no need for a separate Zelle®login to get started.
Provide your contact information.
Choose the United States mobile phone number or email associated with your U.S.Bank account. Follow the simple directions.
Connect your account to Zelle®.
Choose your account and start sending money to friends, family and others you know and trust.
How to send and receive money with Zelle®
Treat Zelle®payments like you would cash. Only send money to people you know and trust.
How to send money with Zelle®
Select Send money from your dashboard, then select Send money once more. Choose your recipient or add a new one.
Send money tutorial
How to receive money with Zelle®
Share the United States mobile phone number or email address associated with your bank account.
Request money tutorial
How to use Zelle®safely
With Zelle®, money is safely sent directly between accounts with no stops in between. You can further safeguard your money and data with these security tips.
Only send money with Zelle®to people you know and trust.
Once a transaction is complete, it can’t be canceled. Make sure to only send money with Zelle® to trusted recipients.
Protect yourself from online scams.
Never give out your login credentials, treat Zelle®like cash and don’t respond to unsolicited requests.
Learn more about payment scams
How does Zelle®work for you?
Use Zelle®to share the cost of a vacation or gift.
It’s easy to split the cost of a large purchase or activity with up to 10 people.2
Send money with Zelle®for shared household bills.
Stay on top of your household bills, like rent, and other shared costs with Zelle® by setting up recurring payments.
Split the tab with friends.2
Tired of asking a restaurant to split the bill multiple ways? Just pay the bill on your card and receive Zelle®payments from friends and family for their portions.
Frequently asked questions.
Zelle® is a fast, safe and easy way to send money directly between almost any bank account in the United States, typically within minutes.1 With just an email address or United States mobile phone number, you can send money to people you trust, regardless of where they bank.1
You can send, request or receive money with Zelle®. To get started, log in to the U.S.Bank Mobile App or online banking and navigate to Send money with Zelle®. Select an email address or United States mobile number that friends will use to send you money, enter a verification code if you receive one, select the receiving account and select Enroll. You’re ready to start sending and receiving money with Zelle®.
You can send money to friends, family and others you trust.1 Always ensure you’ve used the correct email address or United States mobile number. That’s easy to do when you select your recipient from the Zelle® ready contacts list on your Select a recipient screen within Zelle®.
Money you send with Zelle® can be in your recipient’s account in minutes,1 making Zelle®an ideal way to share the cost of expenses between friends or send the gift of money.
If they sent the money to an email address or United States mobile number that you have already enrolled with Zelle®, you don’t need to take any further action. The money will move directly into your bank account, typically within minutes.1
If someone sends money to an email address or United States mobile number you have not yet enrolled with Zelle®, follow these steps:
- Follow the link provided in the payment notification you received via email or text message.
- Select U.S.Bank.
- Follow the instructions provided on the page to enroll and receive your payment. Make sure to enroll with Zelle®using that email address or United States mobile number to ensure you receive your money.
Your email address or United States mobile phone number may already be enrolled with Zelle®at another bank or credit union. If that’s the case, we’ll alert you when you try to enroll and move your Zelle®enrollment to your account with U.S.Bank. As soon as you make the switch, you’ll be able to start sending and receiving money with Zelle®through the U.S.Bank Mobile App and online banking.
If you like, you can enroll your United States mobile number at U.S.Bank and your email address at another bank or credit union (or vice versa). By giving people one or the other, you can choose where you receive money from each individual.
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. If you want to pay a small business, just ask if they’re enrolled with Zelle®.
You can find a full list of participating banks and credit unions enrolled with Zelle®on the Zelle® website.
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 United States mobile number) and a Visa® or Mastercard® debit card with a United States-based account (does not include U.S. territories).Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.
Zelle®is only available for customers with an account held at a United States bank and United States registered mobile number and can’t be used to send money overseas.
When modifying a Zelle®payment, it needs to be in a pending status. Otherwise, it cannot be cancelled.
To change the payment, re-schedule a new one with the updated information. Your recipient will receive notice of the activity as well.
Sending, requesting and receiving money with Zelle®is always free for U.S.Bank clients.
Keeping your money and information safe is a top priority for U.S.Bank. When you use Zelle®within our mobile app or online banking, your information is protected with the same technology we use to keep your U.S.Bank account safe.
Once a request to send money using Zelle®has been processed, it cannot be modified or canceled.
Neither U.S.Bank nor Zelle®offers a protection program for any issues with authorized payments made using Zelle®, such as not receiving an item you paid for or the item not being as described or expected.
U.S.Bank is only responsible for resolving unauthorized transactions and errors as required by applicable law and rules. If you notice something’s not right with your account, contact U.S.Bank immediately at our Fraud Liaison Center (877-595-6256).
To find more information related to reporting errors and unauthorized transactions visit Your Deposit Account Agreement (PDF) and the Digital Services Agreement.
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Footnote
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Disclosures
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To send and receive money in minutes with Zelle®, you must have an eligible United States bank account and have a U.S. mobile number registered in your online and mobile banking profile for at least three calendar days. Transactions between enrolled consumers typically occur in minutes.
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Payment requests to persons not already enrolled with Zelle® must be sent to an email address.
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Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Deposit products are offered by U.S.Bank National Association. Member FDIC.
