What is ZELLE?

Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes³. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank².

Who can I send money to with ZELLE?

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 minutes³, 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.

HOW DO I ENROLL IN ZELLE?

To start using Zelle at First National Bank of Waterloo, you must be enrolled in Bill Pay. If you are not already enrolled in Bill Pay, you can enroll by accessing our website and logging in to online banking. Locate the Payment Center tab and follow the instructions to complete the Bill Pay enrollment steps. Once enrolled in Bill Pay, you can access “Send Money with Zelle^®” tab in Bill Pay to complete a brief one-time enrollment to tell us which email address or U.S. mobile number and deposit account you would like to use to send and receive money with Zelle^®.

Note: Zelle enrollment is not currently available through the mobile app; however. you will be able to access Zelle^® with the mobile app once enrolled.

HOW DO I USE ZELLE?

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

1. To get started, log into First National Bank of Waterloo’s online banking or mobile app, navigate to Bill Pay and select “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 it, and you’re ready to start sending and receiving with Zelle.
2. 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 minutes³.
3. 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”⁴.
4. 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.

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, typically within minutes³.

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 National Bank of Waterloo.
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.

What types of payments can I make with 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 minutes³, Zelle should only be used to send money to friends, family and others you trust.

Neither First National Bank of Waterloo 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.

How do I get started?

It’s easy — Zelle is already available within First National Bank of Waterloo’s mobile banking app and online banking within Bill Pay! Check our app or sign-in online and follow a few simple steps to enroll with Zelle today.

What if I want to send money to someone whose financial institution doesn’t offer Zelle?

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.

How does Zelle work?

When you enroll with Zelle through your online banking Bill Pay account, or 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 First National Bank of Waterloo).

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 First National Bank of Waterloo of the incoming payment. First National Bank of Waterloo then directs the payment into your bank account, all while keeping your sensitive account details private.

Can I use Zelle internationally?

In order to use Zelle, the sender and recipient’s bank accounts must be based in the U.S.

Can I cancel a payment?

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, we recommend contacting the recipient and requesting the money back. If you aren’t able to get your money back, please call customer services at 618-939-6194 so we can help you.

Scheduled and recurring payments are features provided by First National Bank of Waterloo in our online banking and mobile banking app and are not features of Zelle. Please contact customer services with any questions concerning scheduling or recurring payments.

You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.

How long does it take to receive money with Zelle?

Money sent with Zelle is typically available to an enrolled recipient within minutes³.

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 minutes³.

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 customer services at 618-939-6194.

Will the person I send money to be notified?

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

Is my information secure?

Keeping your money and information safe is a top priority for First National Bank of Waterloo. When you use Zelle within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe.

I’m unsure about using Zelle to pay someone I don’t know. What should I do?

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 First National Bank of Waterloo 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.

What if I get an error message when I try to enroll an email address or U.S. mobile number?

Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Call our customer support team (618-939-6194) and ask them to move your email address or U.S. mobile phone number to First National Bank of Waterloo so you can use it for Zelle.

Once customer support moves your email address or U.S. mobile phone number, it will be connected to your First National Bank of Waterloo account so you can start sending and receiving money with Zelle through the First National Bank of Waterloo mobile banking app and online banking. Please call First National Bank of Waterloo’s customer support toll-free at 618-939-6194 for help.