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.