Zelle® FAQs

What is Zelle?

Zelle is a fast, safe, and easy way to send money directly between almost any bank or credit union accounts 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 bank2.

Who can I send money to with Zelle?

You can send money to friends, family, and others you trust2.

Since money is sent directly from your account to another person’s bank or credit union 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 number.

How do I get started using Zelle?

You can send, request, or receive money with Zelle. To get started, log into Mission Fed Mobile or Online Banking and select “Send Money with Zelle®” from the Menu. Read and accept the Terms and Conditions, and then select either your email address or U.S. mobile phone number, receive and enter a one-time verification code, select your checking account, and you’re ready to start sending and receiving 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 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 Money,” 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.

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.

Can members enroll multiple bank accounts with Zelle?

Members may be part of Zelle with Mission Fed and other financial institutions simultaneously, if they use a separate email or U.S. mobile number for each institution.

As of May 2021, Mission Fed members with multiple master accounts may only enroll in Zelle from one account. This account will be the first master a member chooses to access the “Send Money with Zelle®” menu from within Mission Fed Mobile or Online Banking. Mission Fed is exploring ways to remove this restriction in the future.

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 move directly into your Mission Fed checking account, typically within minutes1.

If you have not yet enrolled with Zelle, follow these steps:

  1. Log into Mission Fed Mobile or Online Banking and select “Send Money with Zelle” from the Menu.
  2. Read and accept the Terms and Conditions.
  3. Select either your email address or U.S. mobile phone number.
  4. Receive and enter a one-time verification code
  5. Select your Mission Fed checking account

Now you’re ready to start sending and receiving with Zelle.

What types of payments can I make with Zelle?

Zelle is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter, or neighbor2.

Since money is sent directly from your Mission Fed checking account to another person’s bank or credit union account within minutes1, Zelle should only be used to send money to friends, family, and others you trust.

Mission Fed and Zelle do not offer 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.

If you are unable to get your money back, please can call us at 858.524.2850 or 800.500.6328 so we can help file a dispute. Note: Mission Fed will do its best but cannot guarantee funds will be returned.

Are there any fees to send money using Zelle?

Mission Fed does not charge any fees to use Zelle4.

What if I want to send money to someone whose bank doesn’t offer Zelle?

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 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.

How does Zelle work?

When you enroll with Zelle through Mission Fed Mobile or Online Banking, your name, the name of your bank or credit union, and the email address or U.S. mobile number you enrolled with, is shared with Zelle (no sensitive account details are shared with Zelle - those stay with Mission Fed). 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 Mission Fed of the incoming payment. Mission Fed then directs the payment into your checking account, all while keeping your sensitive account details private.

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 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 money to the wrong person, we recommend contacting the recipient and requesting the money back.If you are unable to get your money back, please can call us at 858.524.2850 or 800.500.6328 so we can help file a dispute. Note: Mission Fed will do its best but cannot guarantee funds will be returned.

How long does it take to receive money with Zelle?

Money sent with Zelle is typically available to an enrolled recipient within minutes1.

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 move directly to your recipient’s account, typically within minutes1.

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.

Still having trouble? Please give the Mission Fed Member Care team a call toll-free at 800.500.6328 or send us a secure message through Mobile or Online Banking.

Will the person I send money to be notified?

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

How can I tell if the person they sent money to, received it?

Log into Mobile or Online Banking, click “Send Money with Zelle ,” from the Menu and then click “Activity.” If the payment is listed as “pending,” the recipient has not yet enrolled with Zelle and has not received the money. If the payment is listed as “Completed,” the money moves directly into their account, typically in minutes.

Why did my payment fail?

Zelle transactions may be declined for the following reasons:

  • You have exceeded the spending limits
  • You have not successfully provided the OTP code that was sent via SMS / Email
  • You do not have a sufficient account balance to complete the transfer
  • Transaction(s) have been identified as suspicious and blocked by fraud mitigation rules

Is my information secure?

Keeping your money and information safe is a top priority for Mission Fed. When you use Zelle within Mission Fed Mobile or Online Banking, your information is protected with the same technology we use to keep your accounts safe.

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 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). Mission Fed and Zelle do not offer 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.

If you are unable to get your money back, please can call us at 858.524.2850 or 800.500.6328 so we can help file a dispute. Note: Mission Fed will do its best but cannot guarantee funds will be returned.

I get a message saying that my account is not currently eligible for Zelle. What should I do?

Zelle through Mission Fed is currently only available for Regular, Formal Trust, Informal Trust, and Youth accounts in good standing, that have an open checking account.

How can I prevent fraud using Zelle?

  • Don’t share your banking credentials or one-time-pin with anyone. Mission Fed will never call, email, or request this information from a member.
  • Don’t use common usernames or passwords that can be easily guessed. Keep banking credentials complex and make them unique from other web sites.
  • Use Zelle to pay friends, family, and others you trust.
  • Know when Zelle is a good payment option and when another payment method is better.
  • Always double check the recipient’s info before you hit “Send”.
  1. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.
  2. Must have a bank account in the U.S. to use Zelle.
  3. In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already enrolled with Zelle.
  4. Mobile carrier fees may apply.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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