Send money with Zelle

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 & 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:

1. Click the link provided in the payment notification you received via email or text.

2. Select Natbank.

3. 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 pleased 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.

^®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.