You can send, request or receive money with Zelle^®. To get started, log in to the KeyPoint app or online banking. In the main menu, select "Pay 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 U.S. 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:

1. Click on the link provided in the payment notification you received via email or text message.
2. Select “Pay with Zelle^®”.
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 that email address or U.S. mobile number to ensure you receive your money.

When you enroll with Zelle^® through your online banking account or mobile banking app, your name, KeyPoint Credit Union and the email address or U.S. mobile number 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, Zelle^® looks up the email address or mobile number 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. 

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 account to another person’s bank account within minutes,¹ Zelle^® should only be used to send money to family, friends 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).
 

As of March 31, 2025, all users must be enrolled through one of the more than 2,200 banks and credit unions that offer Zelle^® in order to send and receive money. The list of participating financial institutions is always growing. You can find the updated list of participating banks and credit unions live with Zelle^® at Zellepay.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.

Money sent with Zelle^® is typically available to an enrolled recipient within minutes.

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.

Neither KeyPoint nor Zelle^® offers purchase protection for 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. Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

To use Zelle^®, the sender and recipient's bank accounts must be based in the U.S.

No, Zelle^® payments cannot be reversed. 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 you do not see this option available, please contact our Contact Center at (888) 255-3637 for assistance with canceling the pending payment.

If the person you sent money to has already enrolled with Zelle^® through their bank or credit union’s mobile app or online banking, 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 sent money to the wrong person, please immediately call our Contact Center at (888) 255-3637 to determine what options are available.

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.

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.

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

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^®.

Please contact our Contact Center at (888) 255-3637. Qualifying imposter scams may be eligible for reimbursement.

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.

When you enroll with Zelle^® through your online banking account or mobile banking app, your name, KeyPoint Credit Union and the email address or U.S. mobile number 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, Zelle^® looks up the email address or mobile number 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. 

Eligible small business accounts can send, receive or request money with Zelle^®. To get started, log in to online banking or our mobile banking app and navigate to "Pay with Zelle^®". To enroll, accept the 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. Enter it, 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

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 “Pay with Zelle^®,” select “Request,” enter the individual’s email address or U.S. mobile number, confirm the recipient is correct and tap “Request.” You’ll receive a payment notification once your customer has sent the money in response to your request.

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^®).²

Money sent with Zelle^® is typically available to an enrolled recipient within minutes.

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.

Neither KeyPoint nor Zelle^® offers purchase protection for 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. Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

No, KeyPoint does not charge any fees to use Zelle^® with a small business account. Your mobile carrier’s messaging and data rates may apply.

Eligible small business accounts can send, receive or request money with Zelle^®. To get started, log in to KeyPoint’s online banking or mobile app. In the main menu, select "Pay with Zelle^®". If you don’t see Zelle^®, please call our Contact Center at (888) 255-3637.

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

To use Zelle^®, the sender and recipient's bank accounts must be based in the U.S.

No, Zelle^® payments cannot be reversed. 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 you do not see this option available, please contact our Contact Center at (888) 255-3637 for assistance with canceling the pending payment.

If the person you sent money to has already enrolled with Zelle^® through their bank or credit union’s mobile app or online banking, 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 sent money to the wrong person, please immediately call our Contact Center at (888) 255-3637 to determine what options are available.

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

Zelle^® QR code provides peace of mind, knowing you can send and receive 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^®.

Please contact our Contact Center at (888) 255-3637. Qualifying imposter scams may be eligible for reimbursement.

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.