Whether it's saving you a trip to the ATM or taking out the guesswork
of divvying up the lunch tab, Zelle is a fast, safe and easy way to send and request money.
Funds are sent directly to the recipient's account in a matter
of minutes1, and all you need is the recipient's
email address or U.S. mobile phone number.
Money is sent directly to the recipient's account in a matter of minutes1—whether they’re a Bellco member or not2.
It’s easy to set up future and recurring payments4.
There’s no need to download a new app—you can send or receive money with Zelle right from your Bellco mobile app without fees from us.
Your account information stays protected—you won’t see the other person’s account information, and they won’t see yours.
Sending money is easy. Once you are enrolled, select "Zelle®" from the mobile app, add your recipient’s email address or U.S. mobile phone number, and send money directly to their checking account2.
Zelle is a fast, safe and easy way to send money directly between almost any bank 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.
You can send money to friends, family and others you trust2.
Since money is sent directly from your bank account to another person's bank 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.
You can send, request, or receive money with Zelle. To get started, log into online banking or your mobile banking app and select "Zelle®". Following the prompts, enter the information requested, accept the terms and conditions, 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," 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.
Zelle is available for Bellco Credit Union consumer checking accounts only. To enroll, you must be at least 18 years of age and have a valid U.S. mobile number or email address.
If you have already enrolled with Zelle, you do not need to take any further action. The money will move directly into your bank account, typically within minutes1.
If you have not yet enrolled with Zelle, follow these steps:
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 bank account to another person's bank account within minutes1, Zelle should only be used to send money to friends, family and others you trust.
Neither Bellco Credit Union, 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.
Bellco Credit Union does not charge any fees to use Zelle. However, mobile carrier fees may apply.
It's easy – Zelle is already available within your mobile banking app and online banking! Check your 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 bank 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.
When you enroll with Zelle through your app, your name, the name of your bank, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with your bank or credit union).
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 your financial institution of the incoming payment. Your bank or credit union then directs the payment into your bank account, all while keeping your sensitive account details private.
In order to use Zelle, the sender and recipient's bank 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 you do not see this option available, please contact member services at 1-800-BELLCO1 (235-5261) for assistance with canceling the pending 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.
Neither Bellco Credit Union 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.
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 call member services at 1-800-BELLCO1 (235-5261) so we can help you.
Yes! They will receive a notification via email or text message.
Keeping your money and information safe is our top priority. When you use Zelle within our mobile app or online banking, we protect your information 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 (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). Neither Bellco Credit Union 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.
Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Call member services at 1-800-BELLCO1 (235-5261) and ask them to move your email address or U.S. mobile phone number from the financial institution where you initially enrolled to your Bellco Credit Union account so you can use it for Zelle.
Once member services moves your email address or U.S. mobile phone number, it will be connected to your account at Bellco Credit Union, so you can start sending and receiving money with Zelle.
Yes! Bellco Credit Union offers Zelle to members aged 18 and older with an eligible checking account.
Enrollment with Zelle® through Bellco, and an eligible Bellco account are required.
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 Payment requests to persons not already enrolled with Zelle must be sent to an email address.
4 Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by Bellco Credit Union but are a separate service from Zelle and can take 1 - 3 business days to process.
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