Introducing Zelle® – a fast, safe and easy way to send money to friends, family and other people you trust, regardless of where they bank1. Whether you’re paying rent, gifting money, or splitting the cost of a bill, Zelle® has you covered.
Send money directly from your account to theirs — typically in minutes1.
Use Zelle® within the app you already trust. No account numbers are shared.
Send money using just an email address or U.S. mobile number.
What is Zelle®?
Enroll today to send money to friends and family:
Payment transfer platforms can often be the target of fraud and scam attempts. For tips on how to protect yourself and your account, please visit our Security Center.
Zelle® Frequently Asked Questions
What is Zelle®?
Zelle® is a fast, safe and easy way to send money directly between almost any bank or credit union account in the U.S., typically within minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank1.
How do I use 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 phone 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 minutes1.
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”3. 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 phone number.
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 into your Amalgamated Bank account, typically within minutes1.
How do I get started?
It’s easy — Zelle® is already available within the Amalgamated Bank mobile app! Check our app and follow a few simple steps to enroll with Zelle® today.
What if I get an error message when I try to enroll an email address or U.S. mobile number?
Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union.
If you would like to move your email address or U.S. mobile phone number from the financial institution where you initially enrolled with Zelle®, simply click "Transfer" when prompted during the Zelle® enrollment process and confirm your desired changes.
Once you transfer your email address or U.S. mobile phone number, it will be connected to your bank account at the financial institution you selected and you can start sending and receiving money with Zelle® right away.
How does Zelle® work?
When you enroll with Zelle® through your Amalgamated Bank app, your name, the name of your bank/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 Amalgamated Bank). When someone sends money to your enrolled email address or U.S. mobile phone number, Zelle® looks up the email address or mobile number in its “directory” and notifies Amalgamated Bank of the incoming payment. Amalgamated Bank then directs the payment into your Amalgamated Bank account, all while keeping your sensitive account details private.
Is my information secure?
Keeping your money and information safe is a top priority for Amalgamated Bank. When you use Zelle® within our mobile app, your information is protected with the same technology we use to keep your Amalgamated Bank account safe.
Who can I send money to with Zelle®?
You can send money to friends, family and others you trust even if they have a different bank or credit union1.
Since money is sent directly from your Amalgamated Bank account to another person’s bank account within minutes1, 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.
I’m unsure about using Zelle® to pay someone I don’t know. What should I do?
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). Neither Amalgamated Bank 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.
What types of payments can I make with Zelle®?
Zelle® is a great way to send money to friends, family and people you are familiar with such as your personal trainer, babysitter or neighbor1.
Since money is sent directly from your Amalgamated Bank account to another person’s bank account within minutes1, Zelle® should only be used to send money to friends, family and others you trust.
Neither Amalgamated Bank 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.
Can I pay a small business with Zelle®?
Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from your Amalgamated Bank mobile app using just their email address or U.S. mobile number.
Neither Amalgamated Bank nor Zelle® offers a protection program for any authorized payments made with Zelle®, so you should only send money to people (and small businesses) you trust. Also, always ensure you’ve used the correct email address or U.S. mobile number when sending money.
Can I use Zelle® internationally?
In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.
Can I cancel a payment?
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 customer support team at 800-662-0860 for assistance with canceling the pending 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 number when sending money.
If you sent the money to the wrong person, please call us at 800-662-0860 to see if we are able to help you.
What if I want to send money to someone whose bank or credit union doesn’t offer Zelle®?
You can find a full list of participating banks and credit unions live with Zelle® here.
If your recipient’s bank or credit union 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 number, 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.
Will the person I send money to be notified?
Yes! They will receive an email or text message notification via the email or U.S. mobile number they used to enroll with Zelle®.
Someone sent me money with Zelle®, how do I receive it?
If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Amalgamated Bank account, typically within minutes1.
If you have not yet enrolled with Zelle®, follow these steps:
- Click on the link provided in the payment notification you received via email or text message.
- Select Amalgamated Bank.
- Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the 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.
How long does it take to receive money with Zelle®?
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 sent directly to your recipient’s account, typically within minutes.
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.
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. If the sender’s bank is not part of the Zelle network or does not support real-time payment, the money will be available in 1 to 3 business days.
Still having trouble? Please give the Amalgamated Bank customer support team a call toll-free at 800-662-0860 or contact us here.
Are there Zelle® Limits on how much I can send and receive funds?
There is no limit on receiving funds to your Amalgamated Bank account. However, the sender may be subject of Zelle® limits with their own bank.
For your protection, we limit the amount of funds you can send to a recipient. You can send up to $1000 in a single transaction or multiple transactions and up to $1000 daily.
Zelle® Transaction Limits
Single transaction maximum limit: $1,000
Daily transaction maximum limit: $1,000
What is a Split transaction?
Split allows you to request funds from multiple people simultaneously. When using Split, you can easily divide the cost with up to 10 people and request payment using Zelle®.
How do I use Split with Zelle®?
Easily split expenses and request payment using Zelle®on the mobile app. Here’s how:
- Login to the Amalgamated mobile app.
- Select the plus sign (+) on the app.
- Choose Zelle®as a payment option.
- Select Split and add existing or new contacts you’d like to split an expense with.
- Tap Enter Amount and insert the total amount. You can select the account you would like the money to be sent to. Then select Review.
- The amount will be divided equally amongst all the contacts.
- You can make adjustments by selecting a different dollar amount for each contact. Once adjustments are made, tap adjust. (Notes: Reset will set the amounts back to a default split).
- If needed, add a memo for the requests. Then select Split.
Once completed, you will receive a notification that the request was sent. Recipients will have 14 days to accept and send money or decline the request. After 14 days the request expires.
1 U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes and generally do not incur transaction fees.
1 U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes.
2 Your mobile carrier’s message and data rates may apply.
3 In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle®.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.