Send money with Zelle®

Using Zelle through OnPoint allows you to send or receive money from within Digital Banking, making it easy to quickly access all of your account and transaction information in one place.

If you are currently enrolled with Zelle at another bank or credit union, you will have the option to transfer your email or U.S. mobile phone number to OnPoint when you access Zelle for the first time from Digital Banking or the OnPoint Mobile app.

If this option is not presented or you receive an error message, please call us at 503.228.7077 or 800.527.3932 for help with moving your email address or U.S. mobile phone number enrolled with Zelle from your other bank or credit union to OnPoint.

Once our Contact Center moves your email address or U.S. mobile phone number, it will be connected to your OnPoint Community Credit Union account so you can start sending and receiving money with Zelle through Digital Banking and the OnPoint Mobile app.

If you have previously enrolled in Zelle with another bank or credit union, you will have the option to transfer your email or U.S. mobile phone number to OnPoint when you access Zelle for the first time from Digital Banking or the OnPoint Mobile app.

If this option is not presented or you receive an error message, please call us at 503.228.7077 or 800.527.3932 for help with moving your email address or U.S. mobile phone number enrolled with Zelle from your other bank or credit union to OnPoint.

Once our Contact Center moves your email address or U.S. mobile phone number, it will be connected to your OnPoint Community Credit Union account so you can start sending and receiving money with Zelle through Digital Banking and the OnPoint Mobile app.

Keeping your money and information safe is a top priority for OnPoint Community 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 account and online transactions safe.

Avoid scams and protect your accounts by making sure you know and trust the people you send money to. Don't use Zelle to pay for goods or services from an unknown seller, such as items bought from an online bidding or sales site.

Neither OnPoint Community 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.

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

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

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 minutes.*

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.

Please contact us at 503.228.7077 or 800.527.3932 if you have additional questions or concerns regarding payments made with Zelle.

*Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle.

You can 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 or credit union 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.

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

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

OnPoint Community Credit Union does not charge any fees to use Zelle (however, mobile carrier fees may apply).

If you have already enrolled with Zelle, you do not need to take any further action. The money will move directly into your checking account, typically within minutes.*

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 OnPoint Community Credit Union.
3. Follow the instructions provided on the page to enroll and receive your payment. To ensure you receive your money, you must enroll with Zelle using the email address or U.S. mobile number where you received the notification.

*Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle.

Getting Started

1. Log into Digital Banking or your OnPoint Mobile app.
2. Choose Payments & Transfers from the menu and select Send Money with Zelle^®.
3. Accept the terms and conditions and enter your email address or U.S. mobile phone number.
4. A one-time verification code will be sent to your email or phone number.
5. Enter the verification code and you're ready to start sending and receiving money with Zelle.

To send money using Zelle

1. Choose Payments & Transfers from the menu in Digital Banking and select Send Money with Zelle^®.
2. Add a trusted recipient's email address or U.S. mobile phone number.
3. Enter the amount you'd like to send.
4. Add an optional note, review your transaction and then hit "Send." In most cases, the money is available to your recipient in minutes.*

To request money using Zelle

1. Choose Payments & Transfers from the menu in Digital Banking and select Send Money with Zelle^®.
2. Choose "Request."
3. Select the individual(s) from whom you'd like to request money.
4. Enter the amount you'd like to request.
5. Add an optional note, review your request 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.

*Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle.
**In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already enrolled with Zelle.

When you enroll with Zelle through online banking or on your OnPoint Mobile app, your name, the name of your credit union (OnPoint), and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared).

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 OnPoint Community Credit Union of the incoming payment. OnPoint then directs the payment into your checking account, all while keeping your sensitive account details private.

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 bank account to another person's bank account within minutes,² Zelle should only be used to send money to friends, family and others you trust.

Neither OnPoint Community 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.

1. Must have a bank account in the U.S. to use Zelle.
2. Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle.

You can find a full list of participating banks and credit unions with Zelle.

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.

You can use Zelle to send money to friends, family and others you trust.¹

Since money is sent directly from your OnPoint checking account to another person's bank or credit union account within minutes,² 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.

Neither OnPoint Community 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.

1. Must have a checking account in the U.S. to use Zelle.
2. Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled 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 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.²

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.