Send and receive money with Zelle®

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 know and trust, regardless of where they bank². Ask your recipient to enroll with Zelle^® before you send them money – this will help them get your payment more quickly.

You can send, request, or receive money with Zelle^®. To get started, register for Personal Online Banking if you are not already enrolled, and download American Bank's Personal Mobile Banking app. Log into the mobile app and select the Zelle^® option. Enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, accept terms and conditions, and you’re finished.

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 memo, 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(s) from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request.”**

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^®.

** In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled in Zelle^®.

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 not be used to send money to people you don’t know or trust.

Neither American Bank nor Zelle^® offers a protection program for any authorized purchase made with Zelle^® – for example, if you do not receive what you paid for or the item you receive is not described or as you expected.

American Bank does not charge any fees to use Zelle^®4.

It’s easy — Zelle^® is already available within American Bank’s Personal Mobile Banking app! Log into the app and follow a few simple steps to enroll with Zelle^® today. We recommend you enroll before someone sends you money – this will help you get your first payment faster.

You can find a full list of participating banks and credit unions live with Zelle^® at zellepay.com.

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 or 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 the American Bank Personal Mobile Banking 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 American Bank). 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 American Bank of the incoming payment. American Bank 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.

If your recipient has not yet enrolled with Zelle^®, the payment will remain pending and the money will not move from your account. If the recipient does not enroll within 14 days, the payment will expire, and the transaction will need to be made again.

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 know and 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 us at 800-257-8316 so we can try to help you.

Money sent with Zelle^® is typically available to an enrolled person within minutes¹. Ask your friends and family to enroll with Zelle^® before you send them money – this will help them get your payment more quickly.

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 into your recipient’s account. Once their first payment completes, your recipient will be able to receive future payments faster, typically within minutes¹.

If your payment is still 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 American Bank’s Client Services team toll-free at 800-257-8316 or get in touch through our support page at www.americanbank.com/contact-us.

Yes! They will receive a notification via email or text message.

Keeping your money and information safe is a top priority for American Bank. When you use Zelle^® within our Personal Mobile Banking app, 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 (for example, items bought from an on-line 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 American Bank nor Zelle^® offers a protection program for any authorized purchase made with Zelle^® – for example, if you do not receive what you paid for or the item you receive is not 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. You will need to transfer your email address or U.S. mobile phone number to American Bank so you can use it for Zelle^® or change to a different mobile phone number.

Once you complete the change or transfer process, your email address or U.S. mobile phone number will be connected to your American Bank account so you can start sending and receiving money with Zelle^®. Please call the American Bank Client Services team toll-free at 800-257-8316 for help.