To use Zelle for sending and receiving money, follow these steps:

1. Enroll with Zelle
   • Access Zelle through your bank’s mobile app or online banking platform. Most major U.S. banks support Zelle.
   • Enroll by linking your U.S. mobile phone number or email address to your bank account. You may need to verify this contact information via a code sent to you.
   • Choose the bank account you want to use for sending and receiving money

2. Send Money
   • Open your bank’s app and go to the Zelle section.
   • Enter the recipient’s enrolled email address or U.S. mobile phone number (they must be someone you trust).
   • Enter the amount you want to send.
   • Review and confirm the payment. The money typically transfers within minutes directly to their bank account if they are already enrolled with Zelle. If not, they will receive instructions on how to enroll and receive the money

3. Receive Money
   • Share your enrolled email or U.S. mobile number with the sender.
   • Once someone sends you money through Zelle, it will be deposited directly into your linked bank account, usually within minutes.
   • If you are not yet enrolled, you will receive a notification with instructions to enroll and claim the money

4. Request Money or Split Expenses (optional)
   • You can also request money from others by entering the amount and their contact info.
   • For splitting expenses, Zelle can calculate each person’s share and send requests accordingly. Recipients have 14 days to respond before the request expires

5. Cancel Payments
   • Payments can only be canceled if the recipient has not yet enrolled with Zelle. You can check the status and cancel pending payments in your Zelle activity page

Zelle is designed for quick, secure transfers between people who know and trust each other and is integrated into many U.S. banking apps, making it convenient without fees

. In summary, using Zelle involves enrolling your contact info with your bank, then sending or receiving money using the recipient’s email or phone number linked to their bank account. The process is fast, often instant, and does not require sharing bank account details