The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine 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.

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.

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.

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