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Zelle®

Send and receive money with Zelle®

We have partnered with Zelle® to bring you a fast and easy way to send money, receive money, and schedule recurring payments with friends, family, and other people you trust.1 Don't forget that you can use your Zelle® account for your small business too, making it easier to pay vendors and employees alike!1

Zelle® is available on the First Service Credit Union online digital banking and in the mobile banking app so you don't need to download anything new to start sending and receiving money!

Using Zelle® is

  • Fast

    Send money directly from your account to theirs, typically in minutes1
  • Secure

    Send and request money using Zelle® in digital banking
  • Easy

    Send money using just their U.S. mobile number or email address1

Personal

With Zelle® you can skip the ATM, send the gift of money, split the cost of the dinner bill with friends – even request half the rent from your roommate.

Personal FAQ

Zelle® is a fast and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes.1 With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.1
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 First Service Credit Union account to another person’s bank account within minutes.1 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 First Service Credit Union nor Zelle® offers purchase protection for 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. Please click here for more information regarding our Zelle® service agreement.
You can send, request or receive money with Zelle®.

To get started, log in to First Service Credit Union's digital banking and navigate to "Send Money With Zelle®." Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter the code, and you're ready to start sending and receiving with Zelle®.

To send money using Zelle®, simply add a trusted recipient's email address or U.S. mobile phone number, enter 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 minutes.1 The recipient will receive an email or text message notification via the method they used to enroll 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 to request, 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 U.S. mobile number, then you can send the request using their mobile 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 First Service Credit Union account, typically within minutes.
If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your bank account and will be available typically within minutes.1

If 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 First Service Credit Union.
  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 that email address or U.S. mobile number where you received the notification to ensure you receive your money.
At this time, First Service does not have a service charge to send or receive money with Zelle®. Service charges are subject to change at any time upon notice to you as may be required by law. If a Zelle® transaction that is still pending because the recipient hasn’t yet enrolled, they must enroll within 14 days. If the recipient doesn’t enroll with Zelle® within 14 days, the payment will naturally expire, the funds will be returned to your account and no service charges will be assessed.Your mobile carrier’s messaging and data rates may apply. Please click here for more information regarding our Zelle® service agreement.
It's easy – Zelle® is already available within First Service Credit Union's digital banking! Check out our app or sign in online and follow a few simple steps to enroll with Zelle® today.
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.
In order to use Zelle®, the sender's and recipient's bank or credit union accounts must be based in the U.S.
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, please immediately call our customer support team at 713-676-7777 so we can help you.
Money sent with Zelle® is typically available to an enrolled recipient within minutes.1

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 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 contact our support team at 713-676-7777.
Yes! They will receive a notification via email or text message.
Keeping your money and information safe is a top priority for First Service Credit Union. When you use Zelle® within our mobile app or digital banking, your information is protected with the same technology we use to keep your bank account safe.
If you don't know the person, or aren't sure you will get what you paid for, if you do not receive the item you paid for, or the item is not as described or as you expected, 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). Neither First Service Credit Union nor Zelle® offers purchase protection for 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. Please click here for more information regarding our Zelle® service agreement.
Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call our support team at 713-676-7777 and ask them to move your email address or U.S. mobile phone number to your financial institution so you can use it for Zelle®.

Once support moves your email address or U.S. mobile phone number, it will be connected to your bank account so you can start sending and receiving money with Zelle® through your mobile app and digital banking. Please call our support team at 713-676-7777 for help.

Small Business

Zelle® is a fast and easy way for many small businesses to get paid! Eligible businesses can now use Zelle® to request and accept payments from their customers.

Small Business FAQ

Zelle® is a fast, safe and easy way for small businesses to send, receive, and request money typically within minutes1 with customers and eligible vendors they trust. If your customers use Zelle® within their mobile banking app, they can send payments directly to your bank account with just your email address or U.S. mobile phone number. With Zelle®, payments typically arrive within minutes.1
Eligible small business accounts can send, receive, or request money with Zelle®. To get started, log into First Service Credit Union’s digital banking and select “Send Money with Zelle®”.

You can send, request or receive money with Zelle®.

To get started, log in to First Service Credit Union's digital banking and navigate to "Send Money With Zelle®." Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter the code, and you're ready to start sending and receiving with Zelle®.

To send money using Zelle®, simply add a trusted recipient's email address or U.S. mobile phone number, enter 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. The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. If the small business or consumer you send money to has already enrolled with Zelle® through their banking app, the money is sent directly to their bank account and cannot be canceled. 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.

To request money using Zelle® with a small business account, click “Send Money with Zelle®,” select “Request,” enter the individual’s email address or U.S. mobile number, confirm the recipient is correct and tap “Request". If your customer is using Zelle® through their banking app, they’ll be able to pay you with Zelle®. You’ll receive a payment notification once your customer has sent you money in response to your request. If your customer is enrolled in the Zelle® app, they will not be able to send you money with Zelle®, and you should arrange for a different payment method.

To receive money using Zelle® with a small business account, share your enrolled email address or U.S. mobile number with your customers and ask them to send you payment with Zelle® right from their banking app. No need to share any sensitive account details. After the consumer sends you payment with Zelle®, you will receive your money directly into your enrolled bank account.
Keeping your money and information safe is a top priority for First Service Credit Union. When you use Zelle® within our online banking or mobile app, your information is protected with the same technology we use to keep your First Service Credit Union account safe.
Please call First Service Credit Union at 713-676-7777 so we can help you.
In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.
Once you're enrolled with Zelle®, money you receive is typically available within minutes.1
There are a few ways you can encourage your customers to pay you with Zelle®.
  • Tell customers verbally that you accept payments with Zelle®, and that they can easily send you money right from their banking app.
  • Include it on an invoice. We recommend adding "I accept payments with Zelle®."
  • Use Zelle® to request money from your customers (which will send them a notification telling them you've requested payment with Zelle®).2
  • Download Zelle® marketing assets for free from zellepay.com and add them to your website, social media and more!
Please note, you'll only be able to receive payments from consumers using Zelle® through their financial institution's mobile banking app. You will not be able to receive payments from consumers enrolled in the Zelle® app.
Neither First Service Credit Union nor Zelle® offers purchase protection for 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. Please click here for more information regarding our Zelle® service agreement.
No, First Service Credit Union does not take a service charge to use Zelle® with a small business account.
Whether you use Zelle® with a business account or a consumer account, Zelle® uses the same network to initiate payments to small businesses and consumers. Consumers who are already enrolled with Zelle® through their mobile banking app don't need to do anything different to send money to a small business. However, the experience is slightly different for small businesses, as small businesses cannot currently receive payments from consumers who are only enrolled in the Zelle® app1.
As a current Zelle® user, once you log in and accept new Terms of Service, any of your email addresses or U.S. mobile numbers associated with your business account will be recognized as businesses with Zelle®. There's no need to re-enroll or take additional action to continue using Zelle®. Your current activity, pending payments and recurring payments will not be affected.
To get started, log in to First Service Credit Union's Digital Banking via desktop or mobile app. To enroll a small business bank account with Zelle®, you must use a different U.S. mobile number or email address than the one you used to enroll your personal bank account with Zelle®. For example, [email protected] would be connected to your personal checking account, and 555-555-1234 would be connected to your small business bank account.
No, Zelle® does not integrate directly with accounting software at this time. However, since Zelle® is connected to your bank account, you are able to see all Zelle® transactions in your digital banking transaction records. If your bank account transactions feed into accounting software, you will see the Zelle® transactions.
To determine whether your small business is eligible to use Zelle®, log in to your mobile banking app and look for Zelle®. If you're able to enroll with Zelle® using your small business checking account, then you are eligible to use Zelle®.
You can only cancel a payment if the small business or consumer 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 713-676-7777 for assistance with canceling the pending payment.

If you send money to a small business or consumer that has already enrolled with Zelle® through their bank'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 trust, and always ensure you've used the correct email address or U.S. mobile number when sending money.

If you try to send money to a consumer who is only enrolled in the Zelle® app, the payment won't go through, and a message will pop up to let you know the payment cannot be completed. With small business accounts, Zelle® does not currently support sending money to enrolled users in the Zelle® app.

If you sent money to the wrong person, please immediately call our customer support team at 713-676-7777 so we can help you.

Enroll Now to Get Started

  1. Log in to First Service Credit Union Digital Banking via mobile phone or desktop 
  2. Select "Send Money With Zelle®"
  3. Enroll your U.S. mobile number or email address
  4. Start sending money to friends and family

Watch the video to learn more about Zelle®!

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