Zelle^® is a fast, safe and easy way for small businesses to send, receive, and request money typically within minutes¹ with customers and eligible vendors they trust. If your customers use Zelle^® within their financial institution’s banking app, they can send payments directly to your Bellco Credit Union account with just your email address or U.S. mobile number.

Eligible small business accounts can send, receive, or request money with Zelle^®. To get started, log into Bellco’s online banking or mobile app and select Transfers & Payments > Zelle^® or mobile app and select “Zelle^®” from the bottom navigation bar.

To send money with Zelle^®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile 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 minutes.¹

To receive money using Zelle^® with a small business account, share your enrolled email address or U.S. mobile number with your customers and ask them to send you payment with Zelle^®right from their banking app. No need to share any sensitive account details. After the consumer sends you payment with Zelle^®, you will receive your money directly into your enrolled bank account.

To request money using Zelle^® with a small business account, choose “Request,” enter the individual’s email address or U.S. mobile number, confirm the recipient is correct and tap “Request.” You’ll receive a payment notification once your customer has sent you money in response to your request.

Eligible small business accounts can send, receive, or request money with Zelle^®. To get started, log into Bellco Credit Union’s online banking or mobile app select “Zelle^®” from the bottom navigation bar. If you don’t see Zelle^®, please call our customer support team at 1-800-235-5261.

No, Bellco Credit Union does not charge a fee to use Zelle^® with a small business account.

Your mobile carrier’s messaging and data rates may apply.

Neither Bellco Credit Union nor Zelle® offer protection for authorized payments through the Zelle® Payments Service (for example, coverage for nonreceipt, damaged, or not-as-described claims related to the purchase of goods and/or services), except for reimbursements for certain imposter scams or certain misdirected payments. “Authorized Payments” generally means payments that are initiated by you or by someone with actual authority to initiate the payment on your behalf.

Neither Bellco Credit Union nor Zelle® offers purchase protection for 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. Only send money to people and small businesses you trust and always ensure you’ve used the correct email address or U.S. mobile number when sending money.

No, Zelle^® payments cannot be reversed.

You can only cancel a payment if the small business or consumer 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 you do not see this option available, please contact our customer support team at 1-800-235-5261 for assistance with canceling the pending payment.

If you send money to a small business or consumer that has already enrolled with Zelle^®through their bank or credit union’s mobile app, 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 know and trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money. 

If you try to send money to a consumer who is enrolled in the Zelle^® app, the payment won’t go through, and a message will pop up to let you know the payment cannot be completed. With small business accounts, Zelle^® does not currently support sending or receiving money to users enrolled in the Zelle^® app.  

If you sent money to the wrong person, please immediately call our customer support team at 1-800-235-5261 to determine what options are available.

Please contact our customer support team at 1-800-235-5261. Qualifying imposter scams may be eligible for reimbursement.

Keeping your money and information secure is a top priority for Bellco Credit Union. When you use Zelle^® within our online banking or mobile app, your information is protected with the same technology we use to keep your Bellco Credit Union account safe.

In order to use Zelle^®, the sender and recipient’s bank or credit union accounts must be based in the U.S.

Whether you use Zelle^® with a business account or a consumer account, Zelle^® uses the same network to initiate payments to small businesses and consumers. Consumers who are already enrolled with Zelle^® through their banking app don’t need to do anything different to send money to a small business. The experience is slightly different for small businesses, as small businesses cannot currently send payments to or receive payments from consumers who are only enrolled in the Zelle^® app.¹

Please call Bellco Credit Union at 1-800-235-5261 so we can help you.

The amount of money you can send, as well as the frequency, is set by each participating financial institution. To determine Bellco Credit Union send limits, call our customer service at 1-800-235-5261.

At Bellco Credit Union, there are no limits to the amount of money you can receive with Zelle^®. However, remember that the person sending you money will most likely have limits set by their own financial institution on the amount of money they can send you.

There are a few ways you can encourage your customers to pay you with Zelle^®.

• • Tell customers verbally that you accept payments with Zelle^®, and that they can easily send you money right from their banking app.
• • Include it on an invoice. We recommend adding “I accept payments with Zelle^®” or “Pay me with Zelle^®”.
• • Use Zelle^® to request money from your customers (which will send them a notification telling them you’ve requested payment with Zelle^®).²

To get started, log into Bellco’s online banking and select Transfers & Payments > Zelle^® or mobile app and select “Zelle^®” from the bottom navigation bar.

Important note: If you already use Zelle^® for personal use, you must use a different email address or U.S. mobile number than the one you used to enroll your personal bank account. For example, name@email.com would be connected to your personal checking account, and 555-555-1234 would be connected to your small business bank account.

No, Zelle^® does not integrate directly with accounting software at this time. However, since Zelle^® is connected to your bank account, you are able to see all Zelle^® transactions in your online banking transaction records. If your bank account transactions feed into accounting software, you will see the Zelle^® transactions.  

If you are enrolled with Zelle^® through Bellco Credit Union, you do not need to take any action. You can continue using Zelle^® to send and receive money with people or small businesses who use Zelle^® through their bank or credit union. If you previously sent money to, or received money from, someone who used the standalone Zelle^® app, they’ll need to re-enroll with Zelle^® through a bank or credit union that offers Zelle^® to continue using the service after March 31, 2025. Until they re-enroll, you will no longer be able to send or receive payment from these users.

Zelle^® QR code provides peace of mind knowing you can send and receive money, without typing or providing an email address or U.S. mobile number.

To locate your Zelle^® QR code, log into the Bellco mobile app. Select “Zelle^®” from the bottom navigation bar. Click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Navigate to “My Code.” From here you can view and use the print or share icons to text or email your Zelle^® QR code.

To send money, log into the Bellco mobile app. Select “Zelle^®” from the bottom navigation bar. Click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you allow access to your camera, simply point your camera at the recipient’s Zelle^® QR code, enter the amount, hit “Send,” and the money is on the way! When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the displayed name before sending money. 

If the person you’re sending money to hasn’t enrolled with Zelle^® yet, they’ll receive an email or text notification letting them know you’ve sent them money. They’ll be guided through a few simple steps to get enrolled. If the recipient doesn’t enroll in Zelle^® within 14 days, the payment will expire and the funds will be returned to your account. Starting January 8, 2025, if the person does not bank at one of the more than 2,200 banks and credit unions that offer Zelle^®, the person will not be able to enroll in Zelle^® and the pending payment will expire.

If your small business account is enrolled with Zelle^® through Bellco Credit Union, your experience is not changing! You can continue to send and receive money with those who have access to Zelle^® through their bank or credit union.