Send Money in the
Moment with Zelle®
Send money directly from your account to theirs — typically in minutes.1
Send or receive money right from your Peoples Bank app.
Send money to almost anyone you know and trust with a bank account in the U.S. using an email address or U.S. mobile phone number.
Download the Peoples Bank App:
GETTING STARTED IS EASY.
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Zelle® FAQs
1. 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 minutes1. With just an email address or U.S. mobile phone number, you can send money to people you trust with a bank account in the U.S., regardless of where they bank.
2. Who can I send money to with Zelle?
You can send money to friends, family and others you trust who have a bank account in the U.S.
Since money is sent directly from your bank account to another person’s bank account within minutes1, 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 phone number.
3. How do I use Zelle?
You can send, request, or receive money with Zelle. To get started, log into your mobile banking app and tap “+” at the bottom of the screen, then select the Zelle® icon. Following the prompts, enter the information requested, accept the terms and conditions, and you’re ready to start sending and receiving with Zelle.
To send money using Zelle, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile phone number), add 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 minutes1.
To request money using Zelle, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request”2.
To request money from multiple people using Zelle, choose “Split,” then select at least two individuals from your mobile device’s contact list. Click on “enter amount” after adding your contacts, enter the total amount of the bill, hit review, and then “Split”2. If you would like to edit an individual’s amount, you must click the “Adjust” button after each change.
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.
4. 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 minutes1.
If you have not yet enrolled with Zelle, follow these steps:
- Click on the link provided in the payment notification you received via email or text message.
- Select “Peoples Bank.”
- Follow the instructions provided on the page to enroll and receive your money. Pay attention to the email address or U.S. mobile phone number where you received the payment notification – you should enroll with Zelle using that email address or U.S. mobile phone number to ensure you receive your money.
5. What types of payments can I make with Zelle?
Zelle is a great way to send money to friends, family and people you are familiar with who have a bank account in the U.S., such as your personal trainer, babysitter or neighbor.
Since money is sent directly from your bank account to another person’s bank account within minutes1, Zelle should only be used to send money to people you trust.
Neither Peoples Bank 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.
6. How do I get started?
Zelle is available to all Peoples Bank consumer accounts. Getting started is easy — Zelle is already available in our mobile banking app! Either download or sign in to the Peoples Bank mobile app and follow a few simple steps to enroll with Zelle today.
Please note that current Peoples Bank customers who transition from People Pay to Zelle will retain recipient information, however detailed payment history cannot be retained. In addition, Zelle is only available in the Peoples Bank mobile banking app at this time and cannot be accessed from the Peoples Bank online banking platform.
7. What if I want to send money to someone whose bank or credit union doesn’t offer Zelle?
You can find a full list of participating banks and credit unions live with Zelle here.
If your recipient’s bank or credit union 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.
8. How does Zelle work?
When you enroll with Zelle through your banking app, your name, your financial institution’s name, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with Peoples Bank). When someone sends money to your enrolled email address or U.S. mobile phone number, Zelle looks up the email address or mobile number in its “directory” and notifies your financial institution of the incoming payment. Your bank or credit union then directs the payment into your bank account, all while keeping your sensitive account details private.
9. Can I use Zelle internationally?
In order to use Zelle, the sender and recipient’s bank accounts must be based in the U.S. The Peoples Bank mobile app is not available for download via non-US app stores.
10. 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, call our customer support team at (800) 584-8859 team so we can help you.
11. How long does it take to receive money with Zelle?
Money sent with Zelle is typically available to an enrolled recipient within minutes1.
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 minutes1.
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? Call our customer support team at (800) 584-8859, so we can help you.
12. Are there any transaction limits?
Peoples Bank sets your limits. If you are an existing customer currently using People Pay and transitioning to Zelle, you will retain the standard $2,000 transaction limit and a $4,000 daily limit. New enrollments will be allowed a $1,000 transaction limit and a $2,000 daily limit until certain criteria have been met based on length of time using the service and successful transactions processed.
13. How do notifications work?
The person you send money to will receive a notification via email or text message. If you are having trouble receiving text alerts, please call our customer support team at (800) 584-8859, so we can help you.
14. Is my information secure?
Keeping your money and information safe is a top priority. When you use Zelle within your mobile app, your information is protected with the same technology we use to keep your bank account safe.
15. 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 Peoples Bank 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.
16. 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 at (800) 584-8859 and ask us to move your email address or U.S. mobile phone number from the financial institution where you initially enrolled to your desired bank account 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 account at the financial institution you requested so you can start sending and receiving money with Zelle.
17. I already use Zelle, how do I use it through Peoples Bank?
If you are currently using Zelle at another financial institution or using the Zelle app with a debit card not issued by Peoples Bank, you will be required to enroll with Zelle through the Peoples Bank mobile app using a different email address or U.S. mobile number than you currently have enrolled. You also have the option to discontinue Zelle at the other financial institution and utilize it solely through the Peoples Bank mobile app.
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1 Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle.
2 In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
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