Zelle® is a convenient way to send and receive money with friends, family and others you trust, even if they bank somewhere different than you.1 Use Zelle® to gift money, pay the sitter, or split the cost of a night out.
Why use Zelle®
EASY
Send your friends money right from the Bellco mobile app, no matter where they bank.1
FAST
Money gets sent straight from your account to theirs and is available to spend in minutes.1
SAFE
All you need is an email address or U.S. mobile number. No account numbers are shared.
Send and receive money with Zelle®
Download the Bellco Credit Union mobile app:
Enroll with Zelle® now
Log into the Bellco
mobile app.
In the main menu, select “Zelle”. Then “Send money with Zelle®“.
Enroll your email address or U.S. mobile number.
You’re ready to start sending and receiving money with Zelle®. See who else is using Zelle®. Their name appears in your Zelle® contact list with a “Z” logo on their profile picture. Next time you need to be paid back, ask for Zelle®!
Zelle® FAQs*
Zelle® is a convenient way to send and receive money with friends, family and others you trust through your bank or credit union’s mobile app or online banking. All you need is your recipient’s email address or U.S. mobile number, and money will be available to use in minutes if they’re already enrolled with Zelle®. Your account information and activity stay private. Zelle® is available in over 2,200 bank and credit union apps, so you can send money to friends and family even if they don’t bank at Bellco Credit Union.1
You can send, request, or receive money with Zelle®. To get started, log into the Bellco mobile app or online banking. In the main menu, select “Zelle”. Then “Send money 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 number), add the amount you’d like to send and an optional note, review, then hit “Send.” The recipient will receive an email or text message notification via the method they used to enroll with Zelle®. Money is available to your recipient in minutes if they are already enrolled with Zelle®.
To request money using Zelle®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like, include an optional note, review and hit “Request”. If the person you are requesting money from is not yet enrolled with Zelle®, you must use their email address to request money. If the person has enrolled their U.S. mobile number, then you can send the request using their mobile number.
To receive money, just share your enrolled email address or U.S. mobile number with a friend and ask them to send you money with Zelle®. If you have already enrolled with Zelle®, you do not need to take any further action. The money will be sent directly into your Bellco Credit Union account, typically within minutes.
If someone sent you money with Zelle® and you have not yet enrolled with Zelle®, follow these steps:
A) Click on the link provided in the payment notification you received via email or text message.
B) Select Bellco Credit Union.
C) Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification – you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money.
Keeping your money and information safe is a top priority for Bellco Credit Union. When you use Zelle® within our mobile app or online banking, your information is protected with the same technology we use to keep your Bellco Credit Union account safe.
Zelle® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor. 1
Since money is sent directly from your Bellco Credit Union account to another person’s bank account within minutes1, Zelle® should only be used to send money to friends, family and others you trust.
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®. These transactions are potentially high risk (just like sending cash to a person you don’t know is high risk).
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.
Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from your Bellco mobile app or online banking using just their email address or U.S. mobile number.
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.
In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.
No, Zelle® payments cannot be reversed.
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 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 the person you sent money to has already enrolled with Zelle® thorough their bank or credit union’s mobile app or online banking, 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, please immediately call our customer support team at 1-800-235-5261 to determine what options are available.
As of March 31, 2025, all users must be enrolled through one of the more than 2,200 banks and credit unions that offer Zelle® in order to send and receive money. The list of participating financial institutions is always growing. You can find the updated list of participating banks and credit unions live with Zelle® at Zellepay.com. If their bank or credit union is not listed, we recommend you use another payment method at this time.
No, Bellco Credit Union does not charge any fees to use Zelle® in our mobile app.
Your mobile carrier’s messaging and data rates may apply.
Please contact our customer support team at 1-800-235-5261. Qualifying imposter scams may be eligible for reimbursement.
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.
Zelle® QR code provides peace of mind knowing you can send and receive money to the right person, without typing an email address or U.S. mobile number.
To locate your Zelle® QR code, log into the Bellco mobile app, click “Send Money with Zelle®”. Next, go to your “Zelle® settings” and click “Zelle® QR code” and your QR code will be displayed under “My Code”. From here you can view your QR code and use the print or share icons to text, email or print your Zelle® QR code. To receive money, share your Zelle® QR code. To send money, log into the Bellco mobile app, click “Send money with Zelle®”, 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 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.
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.
