Send money with Zelle®

Zelle is a convenient way to send money using your mobile banking app or online banking account. Whether it's saving you a tArbor Financial's logo with Zelle's logo.rip to the ATM or taking out the guesswork of divvying up the lunch tab, Zelle is a fast, safe and easy way to send and request money. Funds are sent directly to the recipient's account in a matter of minutes1, and all you need is the recipient's email address or U.S. mobile phone number.
 

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Mobilize Your Money
With Zelle

 
Send icon

SEND

Send money fast in just a few steps.

Receive icon

REQUEST

Settle up with roommates, friends and more, regardless of where they bank2.

Split icon

SPLIT

Easily divide the check for dinner, coffee and more.



Frequently Asked Questions

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, regardless of where they bank2.
 
You can send money to friends, family and others you trust2.

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 number.
When Zelle is used within our mobile app or online banking, the same security protections that we use to protect your accounts are in place.
 
Arbor Financial does not charge a fee to use Zelle. Data rates may apply from your mobile carrier if used on your mobile device.
Spending limits: For security reasons, Arbor Financial sets limits on the amount of money that can be sent with Zelle.

Receiving limits: Arbor Financial does not limit the amount of money you can receive with Zelle.
 
Zelle is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor2. 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 friends, family and others you trust.

Neither Arbor Financial or Zelle offer 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.
In order to use Zelle, the sender and recipient’s bank accounts must be based in the U.S.
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, please call us at 269.375.6702 so we can help you.
When you enroll with Zelle through the Arbor Financial app, your name, the name of your bank, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with Arbor Financial). 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 Arbor Financial of the incoming payment. Arbor Financial then directs the payment into your bank account, all while keeping your sensitive account details private.
 
It’s easy — Zelle is already available within Arbor Financial's mobile banking app and within Bill Pay! Check our app or sign-in online and follow a few simple steps to enroll with Zelle today.
 
To send money, click Send, select a trusted recipient from your contact list or add one, enter the amount, an optional note, and click Send.
 
Yes! They will receive a notification via email or text message.
To request money for things like your share of the rent or concert tickets, simply click Request, select a contact from your contact list or add one, enter the amount, an optional note and click Request3. Your contact will receive a notification that you have requested money from them.
If you are already enrolled with Zelle, no action is needed. The money will move directly into your account. If you are not already enrolled, simply click on the link provided within the email or text notification you received.  Select your Financial Institution’s name and follow the provided instructions to enroll with Zelle to receive your payment.

Note: it is important to enroll with Zelle using the email address or U.S. mobile phone number that you received the payment notification at. 
 
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? Please give the Arbor Financial customer support team at 269.375.6702.
 
You can find a full list of participating banks and credit unions live with Zelle at https://www.zellepay.com/participating-banks-and-credit-unions.

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.
 
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? Please give the Arbor Financial customer support team at 269.375.6702.
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 and ask them to move your email address or U.S. mobile phone number to Arbor Financial 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 Arbor Financial account so you can start sending and receiving money with Zelle through the Arbor Financial mobile banking app and online banking. Please call us at 269.375.6702 for help.
 
You can send, request, or receive money with Zelle.

1. To get started, log into Arbor Financial Credit Union's online banking or mobile app, navigate to Bill Pay and select "Send Money with Zelle®". Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you're ready to start sending and receiving with Zelle.

2. To send money using Zelle, simply add a trusted recipient's email address or U.S. mobile phone number, enter 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.

3. To request money using Zelle, choose "Request," select the individual(s) from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit "Request"3.

4. 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.
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 Arbor Financial 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.
After sending money with Zelle, take a good look at your own finances. Is it time to step up to an Arbor Financial free Momentum Checking account? You get free access to more than 37,000 ATMs throughout Michigan and across the nation, plus fee-free access to Online Banking, Mobile Banking, Web Bill Pay and more. It's easy to open your Momentum Checking account online or switch your account to become an Arbor Financial member.
*Must have a bank account in the US to use Zelle.
1. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile phone number are already enrolled with Zelle.
2. Must have a bank account in the U.S. to use Zelle.
3. In order to send payment requests or split payments 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.
Visa is a registered trademark of Visa International Service Association.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
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