Whether it's saving you a trip to the ATM or taking out the guesswork of divvying up the cost of the lunch tab, Zelle is a fast, safe and easy way to send and request money with friends, family and others you trust2. Money is sent directly to the recipient's account and is typically available in minutes1, and all you need to send money is the recipient's email address or U.S. mobile phone number.
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.
You can send, request, or receive money with Zelle.
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:
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 Panhandle 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.
It's easy — Zelle is already available within Panhandle Credit Union's mobile banking app and online banking within Bill Pay! Check our app or sign-in online and follow a few simple steps to enroll with Zelle today.
You can find a full list of participating banks and credit unions live with Zelle here.
If your recipient's financial institution 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.
When you enroll with Zelle through your online banking Bill Pay account, or mobile banking app, your name, the name of your credit union, and the email address or U.S. mobile number you enrolled is shared with Zelle (no sensitive account details are shared – those stay with Panhandle Credit Union).
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 Panhandle Credit Union of the incoming payment. Panhandle Credit Union then directs the payment into your bank account, all while keeping your sensitive account details private.
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 member services at 850-769-3306 so we can help you.
Scheduled or recurring payments sent directly to your recipient’s account number (instead of an email address or mobile number) are made available by Panhandle Credit Union but are a separate service from Zelle and can take 1 – 3 business days to process.
You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.
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 be available in your recipient's account, and will be available 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 contact member services at 850-769-3306.
Yes! They will receive a notification via email or text message.
Keeping your money and information safe is a top priority for Panhandle 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 bank account safe.
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 Panhandle 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.
Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Call our member support team at 850-769-3306 and ask them to move your email address or U.S. mobile phone number to Panhandle Credit Union so you can use it for Zelle.
Once member support moves your email address or U.S. mobile phone number, it will be connected to your Panhandle Credit Union account so you can start sending and receiving money with Zelle through the Panhandle Credit Union mobile banking app and online banking. Please call Panhandle Credit Union's member support toll-free at 850-769-3306 for help.
App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. Android, Google Play, and the Google Play logo are trademarks of Google Inc. Data charges may apply. Check with your mobile phone carrier for details. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
1 Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is 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 payment requests to a U.S. mobile number, the mobile number must already be enrolled with Zelle.
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