Send money 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.

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.

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

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.

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.