Someone sent me money with Zelle®, how do I receive it?
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 associated with your profile, typically within minutes1.
If you have not yet enrolled your Zelle profile, follow these simple steps:
- Click on the link provided in the payment notification.
- Select your bank or credit union.
- Follow the instructions provided on the page to enroll and receive your payment.
If your bank or credit union is NOT listed, then download the Zelle app and enroll your Visa® or Mastercard® debit card.
Brand new accounts are especially risky for banks. If your account is less than 30 days old, expect to have checks held for up to nine days. However, electronic payments and official checks should have at least partial next-day availability.3
These regulations also apply to federally insured credit unions.
Watch the Cut-Off Time
It’s always important to define your terms. When you deposit a check, you probably think you did it “today,” but you may have missed the cut-off for starting the deposit process on that calendar day. When making an important deposit, ask the teller which day your deposit counts toward and whether any holds apply. Your receipt should have that information as well, but it never hurts to verify the details.