Sending money with Zelle® is fast, safe, and easy
Zelle® is a convenient way to pay people you know from your CAFCU accounts in our digital banking app.
Send money directly to friends, family, and other people you know2 by using Zelle to transfer funds between almost any bank accounts in the U.S., typically within minutes1.
Save yourself a trip to the ATM or take the guesswork out of divvying up the lunch tab! Zelle is a fast, safe, and easy way to send and request money.
Move your money in minutes with Zelle®
- SEND: Send money fast in just a few steps. 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, and hit "Send." In most cases, the
money is available to your recipient in minutes1.
- REQUEST: Settle up with roommates, friends, and more, regardless of where they bank2. 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. 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.
- SPLIT: Easily divide the check for dinner, coffee and more.
For your security, only send money to people you trust and always ensure you've used the correct email address or U.S. mobile number.
Get started
Try Zelle today:
- Log into CAFCU's digital banking app.
- Navigate to Bill Pay and select "Send Money with Zelle.
- Accept the terms and conditions.
- Enter your email address or U.S. mobile phone number to receive a one-time verification code.
- Enter the code.
- Start sending and receiving money with Zelle!
Don't have our mobile banking app? Download it for free:
FREQUENTLY ASKED QUESTIONS
Someone sent me money with Zelle. How do I receive it?
If you already enrolled with Zelle, you don't 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 CAFCU.
- Follow the instructions 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 where you received the notification to ensure you receive your money.
What types of payments can I make 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 CAFCU nor Zelle offer a protection program for any authorized payments made with Zelle, e.g. if you do not receive the item you paid for or the item is not as described or as you expected.
How do I start using Zelle?
It's easy! Zelle is already available within CAFCU's digital banking app within Bill Pay! Check our app or sign in online and follow a few simple steps to enroll with Zelle.
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? Please contact our Member Center at (800) 359-1939.
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 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.
Will the person I sent money to be notified?
Yes! They will receive a notification via email or text message.
Why did I get an error message when I enrolled in Zelle?
Your email address or U.S. mobile phone number may already be enrolled with Zelle at another bank or credit union. Call our Member Center at (800) 359-1939) and ask to move your email address or U.S. mobile phone number to CAFCU so you can use it for Zelle.
Once we move your email address or U.S. mobile phone number, it will be connected to your CAFCU account so you can start sending and receiving money with Zelle through the CAFCU's digital banking app.
Is my information secure when using Zelle?
Keeping your money and information safe is a top priority for CAFCU. When you use Zelle within digital banking app, your information is protected with the same technology we use to keep your accounts safe.
Can I pay someone I don't know 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 CAFCU nor Zelle offer a protection program for any authorized payments made with Zelle, e.g. if you do not receive the item you paid for or the item is not as described or as you expected.
Can I cancel a Zelle 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, please call our Member Center at (800) 359-1939 so we can help you.
Note that scheduled and recurring payments are not sent with Zelle. You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.
How does Zelle work?
When you enroll with Zelle through Bill Pay in CAFCU's digital banking platform, your name, the name of your credit union, and the email address or U.S. mobile number you enrolled are shared with Zelle (no sensitive account details are shared – those stay with CAFCU).
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 CAFCU of the incoming payment. CAFCU then directs the payment into your bank account, all while keeping your sensitive account details private.
Can I use Zelle internationally?
In order to use Zelle, the sender's and recipient's bank accounts must be based in the U.S.
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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 . 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.
