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,² you can send money to people you trust, regardless of where they bank.¹

You can send money to friends, family and others you trust.¹

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.²

The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine your send limits, call our Contact Center at (888) 255-3637.

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.

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

• To get started, log in to online banking or our mobile banking app and navigate to the "Send Money with Zelle^®." To enroll, accept terms and conditions, tell us your email address or U.S. mobile number² 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 number², 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 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 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 number² 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.¹

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 enrolled with Zelle^®, click on the link provided in the payment notification you received via email or text message. Then follow the instructions provided on the page to enroll and receive your payment.

Pay attention to the email address or U.S. mobile number² where you received the payment notification — you should enroll with Zelle^®using that email address or U.S. mobile number² where you received the notification to ensure you receive your money.

Your email address or U.S. mobile phone number² may already be enrolled with Zelle^® at another bank or credit union. Call our support team and ask them to move your email address or U.S. mobile phone number² to so you can use it for Zelle^®.

Once support moves your email address or U.S. mobile phone number², it will be connected to your account so you can start sending and receiving money with Zelle^® through the mobile banking app and online banking. Please call our Contact Center at (888) 255-3637 for help.

Keeping your money and information safe is a top priority for KeyPoint. 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.

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, ¹ Zelle^® should only be used to send money to friends, family and others you trust.

Neither KeyPoint 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.

You can find a full list of participating banks and credit unions live 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 number² 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.

It's easy – Zelle^® is already available within our mobile banking app and online banking! Check our app or sign in online and follow a few simple steps to enroll with Zelle^® today.

When you enroll with Zelle^® through your online banking account or mobile banking app, your name, the name of your financial institution and the email address or U.S. mobile number² you enrolled is shared with Zelle^® (no sensitive account details are shared – those stay with KeyPoint).

When someone sends money to your enrolled email address or U.S. mobile number,² Zelle^® looks up the email address or mobile number² in its "directory" and notifies KeyPoint of the incoming payment. KeyPoint then directs the payment into your bank account, all while keeping your sensitive account details private. 

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 know and trust, and always ensure you've used the correct email address or U.S. mobile number² when sending money.

If you sent money to the wrong person, please immediately call our Contact Center at (888) 255-3637 so we can help you.

Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by KeyPoint 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.

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 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.²

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.²

Still having trouble? Please contact our Contact Center at (888) 255-3637.

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

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.

Zelle^® does not charge fees to send or receive money with it, 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.

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 KeyPoint 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.

Unfortunately, Business accounts cannot process Zelle^® transactions at this time.

A Zelle^® QR code provides peace of mind knowing you can send money to the right person, without typing an email address or U.S. mobile number.

• Select “Pay with Zelle^®” in Mobile or Online Banking and click “Settings” to see your QR code icon
• To send money using a Zelle^® QR code, 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.

Select “Pay with Zelle^®” in Mobile or Online Banking and click “Settings” to view your QR code. You can also print or share your code via text or email.

NOTE: The QR code is not available within the Zelle^® app.

Easily manage your Zelle^® recipients at any time.

To sync your contact list:

• Open the KeyPoint Mobile app.
• Select “Pay with Zelle^®” and click “Add or Select a Recipient” under “Quick Send.”
• Tap “Select from phone contacts,” allow access to your contacts and then select the individual you wish to send or receive money via Zelle^®.

We apologize for the inconvenience but are unable to increase the Zelle® sending limits at this time. We hope to have this resolved soon.

Internal and External Transfers:

You can transfer money immediately between your KeyPoint accounts, accounts at other financial institutions or other individuals using their email or cell phone number.

Click on menu option “Make a Transfer” in Online Banking or “Transfer” in the Mobile app. For external transfers, the initial set-up of the external account is very simple and easy – it does however require additional verification steps and can take up to three business days to be completed.

For additional information please contact us at (888) 255-3637 or via live chat and our Contact Center Agents will be happy to assist you.

We apologize for the inconvenience but are unable to increase the Zelle^® sending limits at this time. We hope to have this resolved soon.

Internal and External Transfers:

You can transfer money immediately between your KeyPoint accounts, accounts at other financial institutions or other individuals using their email or cell phone number.

Click on menu option “Make a Transfer” in Online Banking or “Transfer” in the Mobile app. For external transfers, the initial set-up of the external account is very simple and easy – it does however require additional verification steps and can take up to three business days to be completed.

For additional information please contact us at (888) 255-3637 or via live chat and our Contact Center Agents will be happy to assist you.