Zelle® allows you to quickly send money between bank accounts in the United States.
Send money with Zelle
A fast, reliable and no-fee platform you can trust
What is Zelle?
Send or receive transfers in just a few clicks
Zelle is integrated with your online bank and the Natbank mobile app — no other downloads required. All you need is an email address to send money to your friends, family and other trusted contacts, no matter which U.S. bank they do business with.1 You can also transfer funds via text to recipients with a U.S. mobile phone number.
See the FAQ to better understand how Zelle works.
What are the benefits of Zelle?
How do I use Zelle?
- Sign in to your online bank or the Natbank mobile app
- Access the section Bill Payment
- Select Send money with Zelle
- Enter your email address or U.S. mobile phone number
- Follow the steps to send money with Zelle
1 min 3 secs Transcript
Frequently Asked Questions
To get started, sign in to the Natbank mobile app or online bank, navigate to the Bill Payment section and select Send money with Zelle®. Once you’ve accepted the Terms and Conditions and entered your email address or U.S. mobile phone number, you will receive a one-time verification code. Enter it and you're ready to start sending and receiving money with Zelle.
Kindly note that for any new Natbank account, a 48-hour delay may apply before having access to Zelle services.
To send money using Zelle
Simply add a trusted recipient's email address or U.S. mobile phone number and enter the amount you'd like to send. You also have the option of adding a personalized message. Review the information, then click Send. When your recipient is registered with Zelle, in most cases, the money is available to your recipient in minutes.2
To request money using Zelle
Click Request, then select the recipient from whom you'd like to request money. Enter the amount you'd like to request, include an optional message, review the information, then click Request.
To receive money using Zelle
Just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money through Zelle.
If you’ve already enrolled with Zelle, no need to take further action. The money will be deposited directly into your bank account and will typically be available within minutes.2
If you haven’t enrolled with Zelle yet, follow these simple steps:
- Click the link provided in the payment notification you received via email or text.
- Select Natbank.
- 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 the same email address or U.S. mobile number where you received the notification to ensure you receive your money.
Zelle is a great way to send money to family, friends and acquaintances.1 For example, you can use Zelle to pay your rent or condo fees, or to split a restaurant bill when you're out with friends.
Since money is sent directly from your bank account to theirs within minutes2, Zelle should only be used to send money to friends, family and others you trust.
Neither Natbank nor Zelle offer a protection program for any authorized payments made with Zelle – for example, there is no coverage available from us or Zelle if you do not receive the item you paid for, or the item is not as described or as you expected.
You can find a full list of participating banks and credit unions on the Zelle website.
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 app for Android or iOS.
To enroll with the Zelle app, your recipient will enter their basic contact information, an email address, 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.
To use Zelle, the sender's and recipient's bank accounts must be based in the United States.
Money sent with Zelle is typically available to an enrolled recipient within minutes.2
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 the recipient's account, typically within minutes.2
If your payment is pending
We recommend confirming that the person to whom you sent money 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. If you haven't received a payment notification, we recommend following up with the sender to confirm that they entered the correct email address or U.S. mobile phone number.
Still having trouble?
Please contact our customer service team at 1-800-205-9992. We'll be happy to answer your questions.
You can only cancel a payment if the recipient to whom you sent money hasn't yet enrolled with Zelle. To check whether the payment is still pending, visit your activity page, select the payment you want to cancel and then click 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 cancelled. 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 aren't able to get your money back, please call our customer service team at 1-800-205-9992. We'll be happy to 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 Natbank but are a separate service from Zelle and can take 1 to 3 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.
Yes. They will receive a notification via email or text.
Keeping your money and information safe is a top priority for Natbank. When you use Zelle within our mobile app or online bank, your information is protected with the same technology used to keep bank accounts safe.
Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Call our customer service team at 1-800-205-9992 and ask them to move your email address or U.S. mobile phone number to Natbank so you can use it for Zelle.
Once customer service moves your email address or U.S. mobile phone number, it will be connected to your Natbank bank account so you can start sending and receiving money with Zelle through your Natbank mobile app or online bank. Don’t hesitate to contact our customer service team at 1-800-205-9992 for more help.
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The little details that matter
Zelle® is a fast and easy way to send money, and getting started is simple! If you're already enrolled in our Online Banking simply log in and select Zelle® to get started. Then review and accept the terms and conditions. If there's a pending payment waiting for you, you can enroll the associated email or phone number, or choose another one. Just select one from the list. If you add a new one, you'll be asked to verify it. Simply enter the code sent to that address. If it's already enrolled at another financial institution, you'll have the option of redirecting payments to an account with us. Just select the account you'd like to use. That's it! If you had a pending payment, it'll be deposited, and you're all set to send, request, and receive money with Zelle®.
A Quick Tour
Welcome to Zelle®, a fast and easy way to send and receive money with the people you know and trust, for all sorts of things. Once logged in, you can send, request, and split expenses in just a matter of minutes. Say you want to send your friend Amy money for her birthday. Just select her from your contact list. Enter the amount to send and, if you'd like, a reason. If Amy is already enrolled with Zelle®, the money will arrive directly in her bank account, typically in minutes. If she’s not enrolled with Zelle®, she’ll get a message explaining how to enroll to receive her money. How simple is that? Requesting money and splitting expenses are just as easy. Use Request to request a payment from someone you know, like from your roommate, who owes you for their share of the rent. Use Split if the request needs to be divided among a group, like splitting the dinner bill among friends. Activity includes your pending items and past activity. And if a payment requires your attention, you’ll see an alert. Recipients is where you store your Zelle® contacts and add new ones. And Settings is where you manage your email addresses and U.S. mobile phone numbers you use to send and receive money. It's also where you store your Zelle® contacts and add new ones. Keep in mind that Zelle® can send money from your bank account to an enrolled account in minutes, so it’s important you know and trust the person you’re sending money to.
Send Money
Using Zelle® to send money to friends, family, and others you trust is fast and easy. To send money, select Send. Then select the recipient or add a new contact. For convenience, recently used recipients are grouped at the top. Below you'll find a list of all recipients. Followed by a list of Zelle® ready contacts. These are any contacts from your device that are already enrolled in Zelle. You can also search for a specific recipient. In this example we'll add a new one. Just select the recipient type and enter their information, including first name, last name, and if you'd like, a nickname. Then enter either their email or U.S. mobile phone number. When ready, Save. Since Zelle should only be used to send money to family, friends and businesses you trust, when you enter a new recipient, you’ll be asked to verify the information and that you trust this person. Since this person is trusted, we’ll continue to enter the payment information. Enter the amount and, if the payment should repeat, enter how often and when it should stop. Finally, if you have more than one eligible account, select which account the money should be drawn from. When ready, review the information and, if you'd like, add a reason. That's it. A message will appear to remind you to be wary of scams when using Zelle to send money. We will never ask you to send money to anyone, including yourself. Check the box when you’ve read the information, then Send. A confirmation will let you know the money is on its way. Selecting All Done returns you to the main menu, where you can select Activity to view the pending transaction. If they've already enrolled with Zelle®, the money will be sent directly into their account and be available, typically in minutes. If they're not already enrolled, they'll receive instructions via text or email on how to quickly enroll to receive their money. Keep in mind that Zelle® can send money from your bank account to an enrolled account in minutes, so it's important you know and trust the person you are sending money to.
Request Money
Using Zelle® to request money is easy. Begin by selecting Request, then select the contact you’re requesting money from. Once selected, enter the amount you are requesting, then review. And if it’s helpful, add the reason. That’s it. A confirmation will let you know your request has been sent. Your recipient will also receive a notification letting them know you are requesting money from them. Selecting All Done returns you to the main menu where you can select Activity to view the pending transaction. If the person you are requesting money from is not yet enrolled with Zelle®, the request notification will include an enrollment link to help get them started. Once enrolled, they have the option to accept, decline, or ignore your payment request. If they choose to accept, once the money is sent, it will go directly to your account and be available to you, typically in minutes. Once accepted and the money has been sent to your account, the transaction will move to your Past Activity and you’ll receive a message letting you know you’ve been paid.
Split Expenses
Using Zelle® to split expenses among a group of friends is simple. Begin by selecting Split. Then, add the contacts you’re looking to split the expenses with. Each contact you select is added to your list. Once everyone’s been added, enter the total amount to split, and if you have more than one account associated with Zelle®, select the account that you’d like these funds sent to. Then, Review to review the portion owed by each person. If necessary, you can adjust an amount to recalculate the amounts. When ready, add an optional reason, then Split the expense. That’s it. Your request will appear under Activity. And each of your contacts will receive a notification letting them know you’ve requested money. If any of your friends you are requesting money from are not yet enrolled with Zelle®, their notification will include an enrollment link to help them get started. Once enrolled, they have the option to accept, decline, or ignore your payment request. If they choose to accept, once the money is sent, it will go directly to your account, and you'll receive a notification that you have received money with Zelle®.
Activity
Activity is home to both your pending items and past activity. Pending displays your outstanding payments and requests. And if there are any new items that may require your attention, you'll see the number of items awaiting review. Pending items might include your Scheduled payments, which can be edited or canceled. Payments that have not yet been received because the recipient has not enrolled with Zelle®, which, if needed, are easily canceled. You also have the option of canceling pending Requests. And if the request is among a group, you can cancel the individual requests within it. It also includes your Incoming requests. From here, you have the option to decline it, send the requested money, or you could ignore the request, and it will expire in 14 days. Paying a request is simple. If the request is from a new contact you haven’t sent money to, you’ll be reminded that Zelle® should only be used to send money to people and businesses you trust. Since this person is trusted, select Next and review the payment information. If needed, you can change the amount, or if everything looks correct, continue. That’s it. A confirmation will let you know the money’s on its way, and the money will arrive directly in their bank account, typically in minutes. From here, you can add them to your contacts or select All Done to return you to the main menu. Keep in mind that Zelle can send money from your bank account to an enrolled account in minutes, so it’s important you know and trust the person you’re sending money to.
Settings
Settings is where you can manage your profile information and your recipients. Profile includes your default account you'd like to use for sending money. You can select a different account using the dropdown. Profile also displays your enrolled email addresses and U.S. mobile phone numbers, along with the associated deposit accounts. Your primary email is the email address stored within your online banking. You can change deposit accounts or delete the email or phone number at any time by selecting Manage. To add an email or phone number, just type it in. Once saved, a verification code is sent to the newly added address or phone number. Once received, simply enter the code, and if you have more than one eligible account, choose the account to use for receiving money. Once selected, it will be added to your profile. Recipients displays a list of your previously added recipients. You can search for recipients by name, add new ones. and select a recipient to update their information or remove them from your list. Adding a new contact is easy. Contacts can be added by manually entering their information. To add them manually, enter their first and last name and, if you'd like, a nickname. Then, enter either their email or U.S. mobile phone number. When ready, select Save, then Okay to add them to your list. Keep in mind that Zelle® can send money from your bank account to an enrolled account in minutes, so it’s important you know and trust each contact you add.
Pay It Safe with Zelle®
Zelle® is a great way to send and receive money with friends, family, and others you know and trust. But it’s important that you use Zelle® safely. Once you authorize a payment, if the recipient is already enrolled in Zelle®, it can’t be undone. Here are some tips to help you send money safely with Zelle®. Make sure you have the correct email or US mobile phone number for your recipient. If you aren’t sure, ask! It’s easy for people to change phone numbers, so double-check that your friend hasn’t updated theirs. Know the options you have for sending money. If you’re ordering something and don’t know the person or can’t guarantee you’ll get what you expect, you might want to consider an alternate payment method, like a credit card. Many credit card companies offer purchase protections. Zelle® does not. One common scam involves someone offering you a great deal, like front row seats at a concert, who then takes the money and runs. Because you authorized the payment, this transaction is not considered fraud and is generally not covered by financial institutions. You may not be able to get your money back. Think of Zelle® like cash. If you wouldn’t risk sending a stranger a $100 bill, don’t use Zelle® to do the same. Another common scam involves someone sending you an email, text, or even a call, claiming to be from your financial institution. While the phone number may look like it’s coming from us, be on the alert if they ask for personal information like usernames, passwords, or verification codes over the phone to “fix” a problem. We will also never instruct you to send money with Zelle®, to yourself or anyone else. If you receive one of these calls, remain calm. Scammers want you to feel nervous or alarmed because you’re more likely to do what they want. Hang up or delete the text, and call us directly from a number you know to be legitimate. If you follow these guidelines, Zelle® is a fast, safe, and easy way to send money to people you know and trust.
Know, verify and be aware before you send money
Make sure you are sending money to a person you know and trust.
Zelle® is a fast, safe and easy way to send money to people you know, and it is best to think of using Zelle® the same as you do when using cash. When sending money, always make sure you know that person and confirm their contact information before you hit “send”.
Remember these helpful tips to make sure your money is always sent safely.
Know
Only use Zelle® to send money to friends, family and other people you trust.
Verify
Make sure your recipient’s name, U.S. mobile phone number or email address are correct before sending money.
Be aware
If a payment situation feels off, it probably is. Trust your gut and investigate.
®NATBANK and the NATBANK logo are registered trademarks of National Bank of Canada.
®Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
®Apple and App Store are trademark of Apple Inc., registered in the U.S. and other countries and regions.
TM Google Play and the Google Play logo are trademarks of Google LLC.
®Mastercard is a registered trademark of Mastercard International Incorporated. Authorized user: National Bank.
®Visa is a registered trademark of Visa International Service Association.
1. You and your recipient must both have a U.S. bank account to use Zelle. Zelle should only be used to send money to friends, family or others you trust. Do not use Zelle to send money to persons that you do not know. Recipients have 14 days to enroll to receive money or the transfer will be cancelled. Payment requests to persons not already enrolled in Zelle must be sent to a U.S. mobile phone number. Message and data rates may apply.
2. Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle.
3. Message and data rates may apply.