Send money fast with Zelle^®

You can send, request, or receive money with Zelle^®.
 
To get started, log in to the Patelco Mobile App (tap on Zelle^®) or in Patelco Online^™, select Transfer & Pay and then Zelle^®.
 
To send money using Zelle^®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or US 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 US mobile number, then you can send the request using their US mobile number.
 
To receive money, just share your enrolled email address or US 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 Patelco 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 Patelco Credit Union.
3. Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or US mobile number where you received the payment notification – you should enroll with Zelle^® using that email address or US mobile number to ensure you receive your money.

For your security, we restrict the number of transactions and the dollar amount you can send to recipients in any 24-hour and 30-day period. There is no limit on the amount of money you can receive using Zelle^®.
 
In Patelco Online^™ or the Mobile App, you can select the question icon next to limits to see your remaining available daily limit.

No, Patelco does not charge any fees to use Zelle^® in the Patelco Mobile App or Patelco Online.^™
 
Your mobile carrier’s messaging and data rates may apply.

Yes. If you’re an existing Zelle^® user and you want to continue receiving and sending money at your other bank or credit union, you should use a different US mobile number or email address to enroll with Zelle^® at Patelco. For instance, if you already use Zelle^® at another institution using your email address, you could enroll with Zelle^® at Patelco using your US mobile number. If you only want to use Zelle^® with Patelco, and you’re already enrolled with Zelle^® at another bank, when you enroll with Zelle^® at Patelco, you will have the option to transfer your existing mobile number or email from that bank.

Yes. Members must be 18 or older to use Zelle^®.

When you enroll with Zelle^® through Patelco, your name, the name of your bank (or credit union), and the email address or US mobile number you enrolled is shared with Zelle^®. No sensitive account details are ever shared.
 
When someone sends money to your enrolled email address or US mobile number, Zelle^® looks up the email address or mobile number in its directory and notifies Patelco of the incoming payment. Patelco then directs the payment into your checking or savings account, all while keeping your sensitive account details private.

You can use Zelle^® to send money gifts or your share of expenses to family, friends and other 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 people you know and trust. If someone you don’t know asks you to send money to them for particular things to be received in the future, Zelle^® may not be the best option.
 
Neither Patelco nor Zelle^® offers a protection program for any authorized payments made with Zelle^®; for example, if you send money with Zelle^® but do not receive the item you paid for, or if the item is not as you expected.

Regular Savings, Checking and Money Market (non-IRA) accounts can be used with Zelle^®. At Patelco, business and corporate accounts are not eligible to use Zelle^® as it is intended to be used to send or receive money with family or friends. Funds must be available in the account in order to send money with Zelle^®.

Keeping your money and information safe is a top priority for Patelco. When you use Zelle^® within our Mobile App or in online banking, your information is protected by the same technology we use to keep your credit union account safe.

In order to use Zelle^®, the sender’s and recipient’s bank accounts must be based in the US.

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 Patelco account to another person’s bank account within minutes¹, Zelle^® should only be used to send money to friends, family 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).

Neither Patelco 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. Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or US mobile number when sending money.

You can find a full list of participating banks and credit unions that Zelle^® here. If the person’s bank is not on the list, we recommend you use another payment method at this time. The list of participating financial institutions is always growing.

No, Zelle^® payments cannot be reversed.
 
You can 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^® through their bank or credit union’s mobile app, 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 US 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 aren’t able to get your money back, please call us at 800.358.8228 so we can try to help you.

If you’ve already enrolled with Zelle^®: you do not need to take any further action. The money will move directly into your bank or credit union account, typically within minutes¹. You will receive a notification via text or email to inform you that money was sent to you.
 
If you’re not enrolled with Zelle^®: You will receive an email or text notifying you that money was sent to you. Review this message and then select the link in the payment notification you received.
Select Patelco as your financial institution.
 
Follow the instructions provided on the page to enroll and receive your payment. You should enroll with Zelle^® using the email address or US mobile number where you received the notification to ensure you receive your money.

Zelle^® QR code provides peace of mind knowing you can send and receive money to the right person, without typing an email address or US mobile number.
 
To locate your Zelle^® QR code, log into the Patelco Mobile App and select Zelle^®. Next, go to your Zelle^® settings and select Zelle^® QR code. Your QR code will be displayed under My Code. From here you can view your QR code and use the print or share icons to text, email or print your Zelle^® QR code. To receive money, share your Zelle^® QR code.
 
To send money, log into the Patelco Mobile App and select Zelle^®, then Send, and tap on the QR code icon displayed at the top of the Select Recipient screen. Once you allow access to your camera, 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.

Please contact us at 800.358.8228. Qualifying imposter scams may be eligible for reimbursement.