How does Zelle work?

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.